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Citi Ready Credit 7.9% fixed for 2 Years

The Citi Ready Credit Fixed Payment Option is an unsecured line of credit with an introductory variable rate of just 7.9% p.a. for a term of 2 years. The funds can be used for pretty much any purpose you wish from buying a new or used car, renovating your home, taking a dream holiday or planning your forthcoming wedding. The funds are repaid as fixed monthly repayments, so you'll know exactly what your repayments are for the full term of the loan.

Introductory Offer: Establishment fee of $149 waived for applications made by 31st August 2017

Citi Ready Credit also features complimentary insurance policies such as Guaranteed Pricing Cover, Warranty Extension of up to 12 months and Purchase Protection Cover.

Citi Ready Credit can also use this product to consolidate your other high-interest debts together in one account. The loan has no monthly or redraw fees, and you can even access your funds with a Citi Visa Debit Card.

Features of Citibank Ready Credit - Fixed Payment Option

  • Introductory rate - fixed payment option of 7.9% p.a. 
  • Loan amount - minimum loan amount of $5,000 and a maximum loan amount of $75,000. Once your loan amount has been approved, Citi will issue a cheque in your name.
  • Competitive rate on balance transfers - Get 7.9% p.a. on any credit card, store card, charge card, personal loan or line of credit balance you transfer to the Citi Ready Credit.
  • Balance transfer or cheque-to-self - Instead of transferring a balance, you can elect to receive a "cheque to self". The money is made available to you and are available to be used for anything you need.
  • Balance transfer your personal loan - Citi is one of the few providers that lets you balance transfer any personal loan debts.
  • Competitive Loan Fees - application fee of $149 but has no annual or monthly service fees.
  • Repayments - Your repayment amounts are calculated monthly. 
  • Early repayment without penalty - Pay off your loan early without incurring any fees.
  • Visa guarantee - As this is a Visa card, it comes with a no liability guarantee from Visa if you’re a victim of credit card fraud using the Visa payment network
Credit Card Details
Provider Citi
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Fees & Terms
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Travel & Insurance
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What happens when I click "Go to site"?

  • 1

    Clicking Go to site will direct you to the providers web site

  • 2

    Complete the online application on the providers web site

  • 3

    Once approved the provider will issue your new product, delivery times will vary by provider.