• Get a loan straight from your available credit

  • No credit inquiry and
    no application

  • No origination fee

  • Fixed rate with terms up
    to 60 monthly payments

How a Citi® Flex Loan works

 

  1. STEP ONE

    Select the amount you need from your available credit

  2. STEP TWO

    Choose a payment schedule that works for you

  3. STEP THREE

    Get your money fast in as little as one business day

For illustrative purposes only. Actual offer terms will vary.

Get a loan quickly from your available credit

Check for Citi® Flex Loan options now

Check for offer

Put your available
credit to use today

Terms and Conditions

Eligibility for Citi® Flex Loan is based on the amount of your available credit, creditworthiness, and other factors. If this information changes, you may no longer be eligible for Citi Flex Loan.

Your Citi Flex Loan monthly payment will be added to the Minimum Payment Due each billing cycle until paid in full.

As required by law, payments above your Minimum Payment Due generally go toward balances with higher APRs first. If your Citi Flex Loan has a higher APR than another balance on your account (such as a balance transfer), you may need to pay off your Citi Flex Loan before you can pay down the lower APR balance. Please review your Card Agreement for additional terms and conditions related to your Citi Flex Loan.