CITI® FLEX LOAN

A Citi® Flex Loan comes from your available credit, which provides several advantages over traditional loans: no application required, no credit inquiry, and your monthly payment will be added to the Minimum Payment Due each billing cycle until paid in full. 

Since a Citi® Flex Loan comes from your card’s available credit, the loan amount will be added to your credit card’s current balance. Your Citi® Flex Loan monthly payment will be added to the Minimum Payment Due each billing cycle until paid in full.

Yes. You can continue to use your Citi® credit card as you normally would as long as you have the available credit to do so.

You can choose to have funds directly deposited into your bank account. In most cases, your Citi® Flex Loan funds should be deposited into your bank account within 1-2 business days. You can also request to receive a check by mail to the address we have on file.

Your Citi® Flex Loan monthly payment will be added to the Minimum Payment Due each billing cycle until paid in full.  When you pay above your Minimum Payment Due, the payment amount above your Minimum Payment Due will generally go toward balances with higher APRs first. For example, 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.

No. Your Citi® Flex Loan monthly payment will be added to the Minimum Payment Due each billing cycle until paid in full. You do not need to make any separate payments for your Citi® Flex Loan.

There is no pre-payment penalty for Citi® Flex Loan. You can always pay off your Citi® Flex Loan early by paying your account balance in full.

You can view the details of your Citi® Flex Loan in your Citi® Flex Plan Summary located in your Citi® online account, the Citi® mobile app or by reviewing your billing statement.