Citibank Personal Credit

Moneybuddy says

Personal Credit is a flexible personal loan by Citibank combining the features of a personal loan with the flexibility of a credit card. Replacing the Citibank Personal Loans product, Personal Credit improves on its predecessor, with more features and more benefits.

The Basics

Car type Used

Security Unsecured

Car loan type Conventional Car Loan

Start rate 7.90%

Interest Variable

Max. loan $25,000

The cool stuff: features

Loan insurance available? Yes

Repayment schedule Weekly

Online application Yes

Redraw facility Yes

Early repayment allowed Yes

Additional repayments allowed Yes

The Facts & Figures

Comparison rate -

Min. loan $5,000

Min. term -

Max. term -

The ugly stuff: fees

Signup fee -

Exit fee $0

Monthly fee -

* Important note: All information provided by advertiser or taken from advertiser website and correct at time of publishing. If this information is incorrect, please contact us.

Citibank says

Personal Credit lets you consolidate your debts with a great balance transfer offer AND have the option to spend at an equally attractive rate. SAVE with 7.9% on Purchases and Balance Transfers for the first 12 Months, SAVE with a low ongoing rate 15.59% p.a. on ANY purchases and cash advances. Use it for everyday purchases and cash withdrawals, and save even more, SAVE with none of the everyday transactional fees NO transaction, ATM/EFTPOS or cash advance fees so even more money stays in your pocket, Have the freedom to buy what you want With $5,000 to $25,000 to use on whatever you want, Personal Credit gives you the flexibility to repay and re-borrow funds, Convenient access with a Visa Debit CiticardUse at ATMs, and to purchase in store, online and over the phone. A chequebook is also available on request.

Key features

No transaction fees, no cash advance fees and no ATM fees at over 1,200 ATMs throughout Australia
Only pay interest on what you spend
Make purchases in-store with a Visa debit card, online or over the phone
Apply for a chequebook with no cheque fees, because sometimes only a cheque will do
Monthly Direct Debit flexibility
No need to re-apply for credit