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

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

Every so often, Citi can offer you the chance to produce a Citi Flex intend to make fixed spendments which are month-to-month pay off acquisitions or that loan against your card’s line of credit. There’s two approaches to develop a Citi Flex Arrange. With Citi Flex Pay, you can easily purchase qualified transactions under a Citi Flex Arrange. With Citi Flex Loan you need to use your credit line to get into funds and pay for those of you funds under a Citi Flex Arrange.

A Citi Flex Loan is a Citi Flex Plan choice that enables you to definitely borrow funds from your own current Citi bank card account’s borrowing limit and repay it at A apr that is fixed in fixed monthly obligations over a group timeframe. No application that is separate required.

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

Yes, the Citi Flex Arrange quantity will be based upon the available credit on your Citi charge 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 extent. It’ll have a fixed apr that lasts before the Loan balance is compensated in complete. In comparison, a stability transfer typically includes a marketing APR for a specified duration of the time and becomes element of your credit card balance that is revolving.

A Citi Flex Loan will not need an application that is separate credit bureau check. Funds are lent from your own current Citi charge card’s available line of credit. You should have one combined declaration plus one minimum payment that is monthly your charge card account. A normal individual installment loan is a different account and personal line of credit, and can typically need a software and credit bureau check.

Obtaining a Citi Flex Loan

  • How can I understand if i will be entitled to a Citi Flex Loan?

We may, from time and energy to time, give you the chance to obtain a Citi Flex Loan. You can view in cases where a Citi Flex Loan offer can be obtained for you via your Citi on the web account. Citi Flex Loan provides might be presented in your Account Overview web web page or perhaps you may see available provides by picking the “Services/Credit Card solutions” option through the menu bar that is top. You might additionally phone Citi customer support to check always for available provides.

First determine when you yourself have any available provides via Citi Online or phone Citi customer care. If therefore, choose your offer and select the payment per month choice that most useful matches your requirements. Your payment per month choices are predicated on your available payment terms and asked for loan amount (up in to the optimum amount accessible to you once you request your loan).

No, there’s no charge charged for requesting a Citi Flex Loan. Other account costs, such as for example belated payment charges, may apply still.

The minimum amount you borrow with a Citi Flex Loan is $500. The utmost loan quantity it is possible to borrow via a Citi Flex Loan will change predicated on your available borrowing limit, creditworthiness as well as other facets during the time you request a Citi Flex Loan.

You can travel to the Citi Flex Arrange reputation web Page or Citi Cellphone software to see the status of the Citi Flex Loan, your re payment history additionally the staying stability on 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 company 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 rewards points or money back.

Citi Flex Arrange Servicing

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

When we accept your ask for a Citi Flex Loan, your loan can look as being a brand new citi flex arrange on your own next declaration as a deal published in your statement for the full level of the mortgage. You will find information regarding your Citi Flex Loan, as well as your initial and present stability ( as of the declaration closing date) and needed payment due each payment period (your Citi Flex Plan re re Payment Amount), under “Citi Flex Arrange details” in your declaration. The Citi Flex Arrange Payment Amount that you will be necessary to spend each payment period will show up on your declaration in the Minimum Payment Due.

The Citi Flex Arrange Payment Amount that you’re required to spend each payment duration is roofed in your Minimum Payment Due, and it is due regarding the payment date that is due on your own statement. For brand new Citi Flex Plans, very first Citi Flex Arrange Payment Amount will include major only, then after that, 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 thirty days on the account, which include your Citi Flex Arrange Payment Amount. Nevertheless, you could decide to spend a lot more than the mandatory minimal Payment Due, and you may make payments that are additional your account whenever you want.

There isn’t any prepayment penalty to cover down a Citi Flex Plan balance early. You’ll pay down your Citi Flex Plan balance early whenever you want, nonetheless, payments built in more than the Minimum Payment Due is going to be used first towards the stability in your account using the greatest APR, then to your stability because of the next highest APR, and so forth. Because of this, so that you can spend down your Citi Flex Plan balance in complete, you need to create re payment that covers all the following quantities: the Minimum Payment Due for the payment duration, the entire quantity of any charge card balances with an APR greater than or add up to the APR for the Citi Flex Arrange in addition to staying stability in your Citi Flex Arrange.

Yes. When you yourself have a Citi Flex Loan or Citi Flex Pay on your own account, you can easily still avoid repaying interest on purchases in the event that you spend your Citi Flex Plan Payment Amount as well as your statement stability (perhaps not together with your Citi Flex Arrange stability) in complete because of the repayment deadline shown in your declaration each payment duration. Keep in mind that your declaration stability may include transfers of balance, when you have any.

ESSENTIAL NOTE. In the event the Citi Flex Plan APR is greater than the APR on another stability on the account, you Minnesota payday loans near me can easily still avoid repaying interest on acquisitions if you are paying your Citi Flex Arrange Payment along with your declaration stability ( maybe not together with your Citi Flex Arrange stability) in complete by the re re payment deadline. But, the quantity above your Minimum Payment Due will likely to be put on your Citi Flex Arrange stability before the other stability aided by the reduced APR. Because of this, in your following payment statement, you might observe that area of the other balance nevertheless stays due, and you’ll need certainly to spend that quantity in your declaration stability to prevent repaying interest on purchases when you look at 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. As an example, if you wish to spend off a stability transfer prior to the stability transfer marketing duration expires, it is possible 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.

Important Info

You might be making a Citi web site and planning to a party site that is third. That web site might have online privacy policy not the same as Citi and may even offer less protection than this Citi web site. Citi as well as its affiliates aren’t in charge of the merchandise, solutions, and content regarding the alternative party internet site. Do you wish to go right to the party site that is third?

Citi is certainly not accountable for these products, services or facilities provided and/or owned by other programs.

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