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 May 24, 2023]

About Citibank

Citibank is a financial services provider that's been operating in Australia for over 33 years and is part of one of the world’s largest financial companies, 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's comprehensive lending solutions for you and your business

Citibank offers both individuals and businesses a range of fantastic lending solutions including the Citibank personal loan, 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'll give you everything you could possibly need then this provider is a good option.

Empower your dreams with a Citibank personal loan

With an unsecured Citibank personal loan, you can 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 you anything from $5 000 to $75 000. Citibank also allows you to repay your loan 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 Citibank is very well known for is its incredible range of credit cards which offer everything from 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?

Citibank's online resources for personal financial 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 you find out how much you can save or how much you'll 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

  • Citibank personal loan of up to $75,000
  • Quick and easy online loan applications
  • Affordable loan term of 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 personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

They're dedicated to providing the best possible financial products and services to you

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

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

Applying online

Citibank has made it possible for both new and existing customers 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

Stay in the loop with the convenient Citibank personal loan application tracking system

If you’ve applied for a Citibank personal loan you'll be able to track your application with a reference number that they provide you with upon application. This makes it easy for you to find out the status of your short-term loan applications and query the progress that's been made at any time.

They make life easier for you

They strive to promote sustainable finance practices in the business and the community. One such pursuit is their 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 they don't practice ‘one-size-fits-all’ deals and instead design a financial package to fit your individual needs. 

Their 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 their 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 Protection Act, 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