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  1. Learn more. Check out what you could do with our personal lending products. Loan refinancing. If you have a personal loan or a balance on a credit card consider loan refinancing. With the right loan you could save on interest costs and pay off your balance sooner. Car loan. Time to help the kids out with a run around?

  2. Know exactly where you stand with our low rate lending options. Learn more about rates, fees & charges for Citi Personal Loan Plus, Citi Ready Credit and more.

  3. Citi Personal Loan Plus can provide the funds you need to improve your home, go on holiday or deal with unexpected expenses. Find out more about our competitive personal loan rates and apply online.

  4. To pay your credit card or lending account online or over the phone from a non-Citi account, use your account number as your customer reference number and use the relevant BPAY Biller Code for your product.

  5. Setting up your Citi Lending account. 1. Digital Wallets. Experience a faster, more convenient way to pay by turning your smartphone into a mobile wallet.. 2. Citi Mobile ® App. The Citi Mobile ® App provides a convenient way of managing your Citi Lending account. Check account balances, set up your card PIN, transfer funds, view statements or take advantage of offers you may be eligible for.

  6. Our Fixed Payment Options. Citi Quick Cash. Our Quick Cash allows you to request cash from $500 up to 90% of your available credit. Quick cash funds are made available the same day if you have a Citi transaction account. If your account is with another financial institution you will receive your funds within 3 working days.

  7. Apply online for the best credit cards from Citi Australia. Choose from balance transfer, rewards, low-interest rate & no-annual-fee credit cards.