Citibank Personal Credit

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Start rate
0%

Interest
Variable

Max. loan
$25,000

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

Security Unsecured

Personal loan type Personal Loan

Start rate 0%

Interest Variable

Max. loan $25,000

The cool stuff: features

Loan insurance available? Yes

Repayment schedule -

Online application Yes

Redraw facility -

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 $0

Exit fee $0

Monthly fee $0

* 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 a low balance transfer rate 7.9% p.a. for LIFE on balances you transfer† from non-Citibank credit cards, store cards and personal loans, SAVE with a low ongoing rate 14.99% 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

Variable interest rate of 14.99% p.a. on purchases and cash withdrawals
Convenient access with a VISA debit card
No ATM fees on any cash withdrawals up to your approved limit
No Monthly account fees
Borrow up to $25000
Cheque book available
Low annual fee of only $69
Fully flexible to redraw money at any time up to the amount of your approved limit