Terms & Conditions
* A majority of flybuys members will receive this variable rate.
The interest rate offered to approved applicants who are flybuys members at the time of application will be between 9.99%p.a and 17.99%p.a (Comparison rate 10.95%p.a and 18.91%p.a.) based on the information in your application and available to us at the time of assessment. Credit criteria, fees & charges, T&CS apply.
~ A majority of non-flybuys members will receive this variable rate.
The interest rate offered to approved applicants who are non-flybuys members at the time of application will be between 12.99%p.a. and 19.99%p.a. (Comparison rate 13.93%p.a. and 20.90%p.a.) based on the information in your application and available to us at the time of assessment. Credit criteria, fees & charges, T&CS apply.
+ Comparison rates are calculated for an unsecured loan amount of $30,000 over 5 years. WARNING:
This comparison rate is true only for the examples given and may not include all fees and charges.
Different terms, fees or other loan amounts might result in a different comparison rate.
^ flybuys members currently collect 1 flybuys point for every dollar spent at Coles when they scan their flybuys barcode. flybuys members who hold a Coles Personal Loan and have linked their loan to their flybuys membership will collect +1 EXTRA POINT on every dollar spent at Coles, whenever they scan their flybuys barcode, for each Coles Personal Loan they hold, up to a maximum 1,000 EXTRA POINTS per loan per month. flybuys EXTRA POINTS are collected from the date you activate your Coles Personal Loan Debit Mastercard and it is linked to your flybuys membership. You do not need to spend on your Coles Personal Loan Debit Mastercard to qualify for EXTRA POINTS. No flybuys EXTRA POINTS will be collected for the month in which your loan ends. This offer can be withdrawn at any time. Standard flybuys Terms and Conditions apply. flybuys EXTRA POINTS are collected on transaction balance after savings and discounts and exclude gift cards, iTunes cards, tobacco and tobacco-related purchases. Coles means Coles Supermarkets and Coles Online only.
2 2,000 flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express, Coles Local and Coles online. Minimum spend is $10.05 after savings and discounts in one transaction at Coles Supermarkets (excluding smoking/tobacco related product purchases and all gift cards).
3 Credit criteria, fees & charges, T&CS apply.
Payment of the monthly instalment enables you to pay off your Coles Personal Loan within your initial chosen loan term.
You can choose to reuse credit up to your approved credit limit.
Any use of the reusable credit facility will require additional monthly repayments on your loan. There will be no end date of your personal loan whilst you continue to use your reusable line of credit.
For the full terms and conditions of your instalment loan, please refer to the
Coles Personal Loans Unsecured Credit Terms and Conditions and Other Important Information.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Product Issuer and Credit Provider Citigroup Pty Ltd
ABN 88 004 325 080 AFSL No. 238098 Australian credit licence 238098 (Citigroup) and distributed by
Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708 (Coles). Coles receives commission for
the introduction of credit business to Citigroup.