Highest rated loans

Company

Citibank in Australia is part of Citigroup, one of the world's largest financial services organisations. Citibank commenced consumer operations in Australia in 1985 when it was the first foreign bank to be granted a banking licence.

By combining local expertise with the strength of Citibank's worldwide consumer banking network, we are able to offer some of the world's leading range of financial services including deposit accounts, foreign currency deposits and investments as well as credit cards, mortgages, insurance and charge cards.

Representative example

Representative example: Loan amount: $ 10 000, Loan term: 2 years, Total amount repayable: $ 11368.35 , APR: 7.9 % per annum
NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.

Age restriction

You must be at least 18 years old

Requirements

you must be at least 18;

you must be Australian resident;

your minimum annual income must be at least $ 40,000;

you must have a good credit rating.

Important information

Ready Credit is a line of credit which means that you can use the credit up to your limit at any time and it will continue after any offer period expires.

The interest rate applicable to any offer is fixed for the offer period. However, any spend or cash advance outside of any specific offer is charged at the standard variable rate which may change from time to time.

Flexible Payment Option

You can choose your own repayments each month but a minimum payment will apply.

If you only pay minimum payments you will not repay the loan in full within the promotional period.

To find out the monthly repayment you would need to make to pay off your loan in full within the promotional period, please refer to our Loan Repayment calculator on www.citibank.com.au/aus/lending/loans_calculatorstools.htm

When you make payments and additional payments, these will be allocated to any offer interest rate balance before any higher interest rate balance.

Fees

Establishment fee: $149

Monthly fee: $0

Annual fee: $0

No early payout fees, if you want to accelerate payments

Office hours

Mon - Fri: 9am - 5pm

Address

Visit the CitiFinancial branch locator (https://www.citibank.com.au/aus/static/contactus_findus.htm) to find your local CitiFinancial branch.

Additional information

Tel. 1800 722 879