Citi Flex Loan Access money from your Citi card’s current personal line of credit.

Every so often, Citi can offer you the chance to develop a Citi Flex intend to make fixed spendments that are monthly pay off acquisitions or that loan against your card’s line of credit. There are 2 techniques to produce a Citi Flex Arrange. With Citi Flex Pay, you can easily pay money for qualified deals under a Citi Flex Arrange. With Citi Flex Loan you need to use your credit line to gain access to funds and pay for those funds under a Citi Flex Arrange.

A Citi Flex Loan is a Citi Flex Arrange choice that enables one to borrow funds from your own current Citi bank card account’s borrowing limit and repay it at a hard and fast apr, in fixed monthly premiums over a group extent. No split application is required.

Citi Flex Pay is just a Citi Flex Arrange choice enabling you to definitely simply just take a person charge card purchase and pay it back over a collection timeframe with fixed re payments and A apr that is fixed.

Yes, the Citi Flex Arrange quantity is dependant on the credit that is available your Citi bank card during the time you request your Citi Flex Arrange.

A Citi Flex Loan is paid back in fixed re re payments, over a collection timeframe. It’ll have A apr that is fixed lasts before the Loan balance is compensated in full. In comparison, a stability transfer typically features a marketing APR for the certain duration of the time and becomes section of your credit card revolving stability.

A Citi Flex Loan doesn’t need a split application or credit bureau check. Funds are lent from your own Citi that is existing credit’s available line of credit. You’ll have one combined statement and another minimum payment that is monthly your bank card account. A conventional individual installment loan is a different account and line of credit, and certainly will typically need a software and credit bureau check.

Obtaining a Citi Flex Loan

  • How do you understand if i’m qualified to receive a Citi Flex Loan?

We might, from time and energy to time, give you the chance to get yourself a Citi Flex Loan. You can view if your Citi Flex Loan offer can be acquired for your requirements via your Citi on the web account. Citi Flex Loan provides might be presented on your own Account Overview web web page or perhaps you may see available provides by picking the “Services/Credit Card Services” option through the menu bar that is top. You might additionally call Citi customer care to check on for available provides.

First determine when you yourself have any available provides via Citi Online or phone Citi customer care. If so, choose your offer and select the payment per month choice that most useful matches your needs. Your payment per month choices are according to your available repayment terms and asked for loan amount (up to the optimum amount open to you whenever you request your loan).

No, there’s no cost charged for requesting a Citi Flex Loan. Other account charges, such as for example belated re re re payment costs, may nevertheless use.

The minimum amount you borrow using a Citi Flex Loan is $500. The utmost loan quantity you are able to borrow using a Citi Flex Loan will be different according to your credit that is available limit creditworthiness as well as other facets at that time you request a Citi Flex Loan.

You can travel to the Citi Flex Plan reputation web Page or Citi mobile phone software to look at the status of one’s Citi Flex Loan, your re re payment history and also the staying stability on your Citi Flex Loan.

In the event that you choose direct deposit, in most cases your Citi Flex Loan funds must be deposited into the bank-account in 1-2 company times. If you opt to receive a check, you really need to get a check payable for you within 10 times.

Citi Flex Loans aren’t qualified to make benefits points or cash return.

Citi Flex Arrange Servicing

  • How exactly does a Citi Flex Loan show up on my declaration?

Whenever we accept your request a Citi Flex Loan, your loan will be as a brand new citi flex arrange in your next declaration being a deal published on the declaration for the complete level of the mortgage. There is factual statements about your Citi Flex Loan, as well as your initial and balance that is current as of the statement closing date) and necessary payment due each billing period (your Citi Flex Plan Payment Amount), under “Citi Flex Arrange details” on your own statement. The Citi Flex Plan Payment Amount that you will examine the site be needed to spend each payment duration will show up on your declaration in the Minimum Payment Due.

The Citi Flex Arrange Payment Amount that you’re needed to spend each billing period is roofed in your Minimum Payment Due, and it is due in the re payment deadline disclosed on your own declaration. For brand new Citi Flex Plans, very first Citi Flex Arrange Payment Amount will include major only, then from then on, the Citi Flex Arrange Payment Amount should include interest fees regarding the Citi Flex Plan balance for the billing period and also a portion for the major quantity.

No. You need to make just one payment that is minimum month on your own account, including your Citi Flex Arrange Payment Amount. Nonetheless, you may possibly decide to pay a lot more than the mandatory minimal Payment Due, and you may make payments that are additional your bank account whenever you want.

There’s absolutely no prepayment penalty to cover a Citi Flex Plan off balance early. You might spend down your Citi Flex Plan balance early whenever you want, however, re re re payments built in more than the Minimum Payment Due will likely to be used first to your stability in your account because of the greatest APR, then towards the stability using the next highest APR, an such like. Because of this, to be able to spend your Citi Flex Plan off balance in complete, you need to create a re payment that covers most of the following quantities: the Minimum Payment Due for the billing duration, the total number of any charge card balances with an APR greater than or add up to the APR for the Citi Flex Arrange and also the staying stability on your own Citi Flex Arrange.

Yes. When you’ve got a Citi Flex Loan or Citi Flex Pay in your account, you’ll nevertheless avoid repaying interest on acquisitions in the event that you spend your Citi Flex Arrange Payment Amount along with your declaration stability (maybe not as well as your Citi Flex Arrange stability) in complete by the repayment deadline shown in your declaration each payment duration. Observe that your declaration stability range from transfers of balance, when you have any.

ESSENTIAL NOTE. In the event your Citi Flex Arrange APR is more than the APR on another stability in your account, you are able to nevertheless avoid repaying interest on acquisitions if you are paying your Citi Flex Arrange Payment along with your declaration stability ( maybe maybe not together with your Citi Flex Plan stability) in complete by the re re payment deadline. Nevertheless, the quantity above your Minimum Payment Due is supposed to be placed on your Citi Flex Arrange stability before the other stability using the reduced APR. Because of this, in the next billing statement, you might note that area of the other stability nevertheless stays due, and you’ll need to pay that quantity in your declaration stability to prevent paying rates of interest on acquisitions into the billing period that is next.

Unless you first pay the Citi Flex Plan balance in full if you have a balance with a promotional APR that is lower than your Citi Flex Plan APR, such as a balance transfer, you cannot pay off that other balance. For instance, if you need to spend a balance transfer off ahead of the stability transfer marketing period expires, you are able to just do this in the event that you first spend your Citi Flex Plan balance in complete, then spend your stability transfer in complete, ahead of the stability transfer marketing duration ends.


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