Citi® Flex Loan
Fast funds, right from
your Citi Card

See if your Citi credit card has an offer to help you handle life's expected and unexpected expenses. No application or credit inquiry if you're a Citi cardmember.

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No-fuss loans for when life gets complicated

Life moves fast. A loan process should, too. Now there's a simple way to access fast funds with your Citi credit card.

Check out our short video to learn more.
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Why choose Citi Flex Loan?

Fixed APR

The interest rate of this offer will remain fixed for the duration of the loan.

No Application

A Citi Flex Loan leverages the existing credit line on your Citi credit card, so there's no application, credit inquiry or origination fee.

Choose Payment Timeline

Select a loan amount and payment terms both based on your eligibility.

Customize your loan your way

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For illustrative purposes only. Actual Offer Terms will vary.

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Choose your eligible loan amount leveraging your available credit line.


Choose your timeline: pay a fixed amount over time with a fixed term of up to 60 months, depending on your eligibility.


Choose bank transfer to receive your funds in as little as 1-2 business days, or a check by mail.

Once you've completed the loan process and received your funds, you can view the details of your Flex Loan on your next statement summary under Citi Flex Plan.

Estimate your payments.

Get an idea of what you'd pay based on your eligible loan amount.

Loan Amount 12 Months 24 Months 36 Months 48 Months 60 Months
$500 $44 $23 $16 $13 $11
$1,000 $88 $46 $32 $25 $21
$2,000 $176 $92 $65 $51 $42
$3,000 $264 $138 $97 $76 $64
$4,000 $352 $185 $129 $101 $85
$5,000 $440 $231 $161 $127 $106

For illustrative purposes only based on a 9.99% APR. Actual offer terms will vary.

Now that's fast funds without the fuss

Sign on now to see if you have an available Citi Flex Loan offer.

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