$250 Gift Voucher with a Citi Personal Loan @ Citibank

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LchrisNeo on 13/01/2020 - 12:19 www1.citibank.com.au (289 clicks)
Last edited 13/01/2020 - 12:56 by 1 other user

Citi are giving away $250 gift vouchers for getting a personal loan. Does not look like any catches other than getting the loan approved.

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Citibank Australia

• 

  strangeloops66 on 13/01/2020 - 12:21

  No penalty for paying out early?

  EDIT: No, no penalty.

  • 

    igoforthebest on 13/01/2020 - 12:24

    Website says $0 early payout. 9.9% min is a bit strep though

    • 

      strangeloops66 on 13/01/2020 - 12:25

      +2

      Variable Interest Rate
      Interest rates from 9.99% p.a. to 17.99% p.a. We factor in your personal circumstances - including employment details, living expenses, rent/mortgage costs and credit history - to tailor a rate that’s right just for you.
      Comparison Rate
      Ranges from 9.99% p.a. to 17.99% p.a.3
      Establishment fee
      $0
      Monthly service fee
      $0
      Early pay out fee
      $0
      Additional repayments fee
      $0
      Minimum loan amount
      $5,000
      Maximum loan amount
      $75,000

    • 

      wetsandwich on 13/01/2020 - 13:30

      Without any other fees, it's reasonable for an unsecured personal loan.

      However by the sounds of it you'd actually pay a bit more unless you meet their definition of a perfect borrower.

• 

  c64 on 13/01/2020 - 12:35

  +1

  Does not look like any catches other than getting the loan approved.

  hardly a "freebie" then is it?

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  takemymoney on 13/01/2020 - 14:03

  Only worth it if you actually need the loan. I would say you end up with 200 if paying after signing to it. It's likely they would charge you the first month interest…

  • 

    Thypeople on 13/01/2020 - 15:39

    +1

    Isn't that still a free $200?

  • 

    vikvance on 13/01/2020 - 23:51

    I think you might end up getting hit with more interest, if your timing is off.

    From the terms & conditions:

    To be eligible to receive a $250 e-voucher, you must apply for a Citi Personal Loan Plus from 13 January 2020 to 3 February 2020 and activate your Account before 30 April 2020. Your e-voucher will be available for redemption by you on 7 May 2020 providing your Account is open and in good standing. We will send you a unique code and instructions on how to redeem your e-voucher via email. You must redeem your e-voucher within 6 months from the date you receive the voucher. Vouchers are non-reloadable or redeemable for cash.

    So, if someone activates their account immediately, say on 20 Jan, then I think they'll have to keep paying interest until 7 May, to be eligible to get the $250 voucher.