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

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

A Citi Flex Loan is a Citi Flex Arrange choice that allows one to borrow funds from your own current Citi charge card account’s borrowing limit and repay it at a set apr, in fixed monthly obligations over a group period. No application that is separate required.

Citi Flex Pay is just a Citi Flex Arrange choice that enables you to definitely simply just take a person charge card purchase and repay it over a group timeframe with fixed payments and a hard and fast apr.

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

A Citi Flex Loan is paid back in fixed re payments, over a collection timeframe. It has a fixed apr that lasts before the Loan balance is compensated in complete. On the other hand, a stability transfer typically features a marketing APR for the certain duration of the time and becomes section of your credit card balance that is revolving.

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

Getting a Citi Flex Loan

  • How can I determine if i’m qualified to receive a Citi Flex Loan?

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

First determine for those who have any available provides via Citi Online or phone Citi customer support. If therefore, choose your offer and select the payment per month option that most useful matches your requirements. Your monthly payment choices are according to your available payment terms and asked for loan amount (up to the maximum amount accessible to you once you request your loan).

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

The minimum amount you borrow using a Citi Flex Loan is $500. The most loan quantity you can easily borrow via a Citi Flex Loan will be different according to your available borrowing limit, creditworthiness along with other facets during the time you request a Citi Flex Loan.

You can visit the Citi Flex Arrange reputation web web Page or Citi mobile phone application to look at the status of one’s Citi Flex Loan, your re re payment history while the balance that is remaining your Citi Flex Loan.

In the event that you choose direct deposit, more often than not your Citi Flex Loan funds should really be deposited to your bank-account in 1-2 business times. Within 10 days if you choose to receive a check, you should receive a check payable to you.

Citi Flex Loans aren’t entitled to make benefits points or money back.

Citi Flex Arrange Servicing

  • So 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 being a brand new citi flex arrange in your next statement as a deal published on the declaration when it comes to complete number of the mortgage. There is information regarding your Citi Flex Loan, together with your initial and present stability ( at the time of the declaration closing date) and needed payment due each payment period (your Citi Flex Plan re Payment Amount), under “Citi Flex Arrange details” on your own statement. The Citi Flex Arrange Payment Amount that you’re necessary to pay each payment duration will show up on your declaration in the Minimum Payment Due.

The Citi Flex Arrange Payment Amount that you’re necessary to spend each billing duration is included in your Minimum Payment Due, and it is due from the re payment deadline disclosed in your declaration. For brand new Citi Flex Plans, very first Citi Flex Arrange Payment Amount will contain major only, then from then on, the Citi Flex Arrange Payment Amount should include interest fees from the Citi Flex Plan balance for that billing period along with a portion of this amount that is principal.

No. You need to make just one payment that is minimum month on your own account, which include your Citi Flex Arrange Payment Amount. Nonetheless, you may possibly choose to spend a lot more than the desired minimal Payment Due, and you may make payments that are additional your bank account at any time.

There’s no prepayment penalty to cover a Citi Flex Plan off balance early. You could spend your Citi Flex Plan off balance early whenever you want, nonetheless, re re payments produced in more than the Minimum Payment Due will soon be applied first towards the stability on your own account utilizing the highest APR, then to your balance aided by the next highest APR, and so forth. Because of this, to be able to spend down your Citi Flex Plan balance in complete, you have to produce a re re re payment that covers all the following quantities: the Minimum Payment Due for the payment duration, the total quantity of any charge card balances with an APR greater than or add up to the APR for the Citi Flex Arrange together with staying stability in your Citi Flex Arrange.

Yes. You can still avoid paying interest on purchases if you pay your Citi Flex Plan Payment Amount plus your statement balance (not including your Citi Flex Plan balance) in full by the payment due date shown on your statement each billing period when you have a Citi Flex Loan or Citi Flex Pay on your account. Remember that your declaration stability may include transfers of balance, when you yourself have any.

IMPORTANT NOTE. Should your Citi Flex Arrange APR is more than the APR on another stability in your account, it is possible to nevertheless avoid repaying interest on acquisitions if you are paying your Citi Flex Arrange Payment as well as your declaration stability ( perhaps perhaps not together with your Citi Flex Arrange stability) in full because of the re re payment deadline. Nonetheless, the quantity above your Minimum Payment Due will likely be put on your Citi Flex Arrange stability before the other stability using the reduced APR. Because of this, in the next payment declaration, you could note that area of the other stability nevertheless continues to be due, and you may need to pay that quantity in the declaration stability in order to prevent paying rates of interest on acquisitions when you look at the next payment duration.

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 wish to spend down a stability transfer prior to the stability transfer marketing duration expires, it is possible to just achieve 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 promotional duration ends.


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