Citibank offers personal loan for as low as 3.9% per annum

Here's good news to Citibank patrons! Citibank offers a flexible personal loan rate that gives you a great VedaScore band. If your rating with the bank is excellent, you can enjoy a loan rate of 3.9% per annum for 3 years. And, if your rating is good, your loan rate is 4.9%. And the benefits that you will get include: * You are eligible to apply for a credit limit of up to $60,000. * You can access cash or transfer a balance of up to 80% of your credit limit at the promotional rate. * You are privileged to have a low $129 establishment fee. * You are not obliged to pay the monthly or annual fees. * If you decide to accelerate your payment, you will enjoy a no-early payout fees. * A standard variable rate of 19.49% per annum applies to balances outside of the promotional offer Isn't this an encouraging Citibank deal?