Rating based on 13 reviews


  • Personal loans up to $75,000
  • Low-interest starting from 8.76%
  • Repayment up to 7 years

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Citibank homepage
Author Citibank. Screenshot of Citibank website.
[Accessed June 10, 2018]

About Citibank

Citibank is a financial services provider that has been operating in Australia for over 33 years and is part of one of the world’s largest financial companies, the Citigroup.

Most large banks will have a focus area when it comes to corporate social and economic investment and for Citibank, these are primarily environmental and educational causes.

Tailored solutions

Apart from being one of the largest and most respected banks in the country, Citibank prides itself on being able to offer Australians tailored solutions for everything from their stocks and bonds to their personal loans.

Assisting individuals and businesses

Citibank offers both individuals and businesses a range of fantastic lending solutions include personal loans, car loans, home loans, business loans, overdrafts and a range of credit cards.

Citibank is without a doubt one of the country’s most competitive and comprehensive financial services providers since they offer everything from an everyday bank account to a corporate business overdraft facility. If you’re looking for a competitive bank that will give you everything you could possibly need than this provider is a good option.

Citibank Services

Citibank offers unsecured personal loans that can be used to consolidate debt, pay for a large purchase, fund an event or even refurbish your kitchen.

These personal loans carry an interest rate of 11.99% per annum and offer borrowers anything from $5,000 to $75,000. Citi also allows customers to repay their loans early without incurring any penalty fees. This extra feature is always important because it gives you the peace of mind you need to know you can settle without having to pay a fortune in penalties.

Credit cards

Another financial product that Citi is very well known for is their incredible range of credit cards which offer everything for 24 month interest free periods on balance transfers to some of the most sought after rewards programs and deals on the market.

Need some help planning?

When it comes to personal finance it always helps to have a sound plan worked out and Citibank offers Australians a range of online resources and tools to help work out a plan that will serve them well.

This includes a range of articles designed to work as a guide as well as term deposit and loan calculators to help customers find out how much they can save or how much they will pay for a quick loan.

Citibank – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 8.76%
  • Loan Amount up to $75,000
  • Repayment 24 months to 7 years

Benefits of Citibank

  • Personal loans up to $75,000
  • Quick and easy online loan applications
  • Affordable loan term up to 7 years
  • Competitive interest from 8.76%

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

We are dedicated to providing the best possible financial products and services to Australian

Citibank is one of the only credit providers that have a dedicated page to help make it easier for their customers to apply for credit.

Citi has a list of all the basic requirements for a personal cash loan which includes Australian citizenship or residency, that the applicant be over 18 and that the applicant or applicants have good credit.

Applying online

Citi has made it possible for both new and existing customer to get credit online by filling in an online loan application form. This means you get to save a whole lot of time by removing the need to make your way to a branch, stand in a queue or fill in any paperwork.

Track your application

If you’ve applied for a loan with this bank you will be able to track your application with a reference number that they provide you with upon application. This makes it easy for customers to find out what the status of their short term loan applications is and query the progress that has been made at any time.

We make life easier for you

We strive to promote sustainable finance practices in the business and the community. One of such pursuits is our movement to online applications to allow for paperless finance thus reducing the impact on the environment. Every individual is unique so your finances should be too. This is why we do not practice ‘one-size-fits-all’ deals and instead design a financial package to fit the individual needs of our customers. 

Our online calculator will help you to determine the most affordable borrowing amount, loan term and monthly repayments that you can afford. Take your finances into your own hands with our nifty online calculator.

man holding thumbs up

Citibank is a trusted & reliable provider of personal loans

In our review, Citibank adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

Citibank is a registered credit provider in Australia: ACL 238098

Customer Reviews & Testimonials

October 2018

Thanks to Citibank’s tracker application I was able to stay well-informed about the progress of my application. This meant that I did not have to wait by the phone for it to ring but could contin...

Russell C
— Whyalla —

February 2019

Unsecured loans to the rescue! As I do not own a vehicle or home I was afraid that I would be unable to apply for the finance that I needed but Citibank saved the day!

Owen H
— Port Pirie —

Citibank Contact

Contact Number


  • not available


Physical Address

  • Park Street Ground Floor, Citigroup Centre 2 Park Street Sydney NSW 2000 Australia
  • Get Directions

Postal Address

  • Citi, GPO Box 40, Sydney, 2001, Australia

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed