What is Citi Flex Pay? "What is a Hard Inquiry?" If I have a balance with a promotional APR, can I pay it off before the promotional rate expires. Citi Flex Plan. For illustrative purposes only. It has always been trustworthy for me. Plus, there is no origination fee, and you can choose from several repayment term lengths. Accessed Oct. 7, 2020. "Consumer Credit." You could reach the end of a promotional 0% balance transfer period without having reduced the transferred balance at all. How is a Citi Flex Loan different from a balance transfer? Citi Flex Pay, on the other hand, is a flexible payment plan for Citi cardmembers that allows eligible credit card purchases to be paid off over time with a fixed APR. Citi Flex Plan offers are made available at Citi's discretion. Citi and its affiliates are not responsible for the products, services, and content on the third party website. Dawn Papandrea is a frequent contributor to The Balance, specializing in personal finance and credit card content. Citi Flex Pay lets you choose a specific purchase made with your credit card and pay it off over a set period of time at a fixed interest rate. Should You Open a Card With a 0% APR Offer? Experian. For example, if you want to pay off a balance transfer before the balance transfer promotional period expires, you can only do so if you first pay your Citi Flex Plan balance in full, then pay your balance transfer in full, before the balance transfer promotional period ends. For those who have strong credit and don’t mind exploring new products, there may be better ways to spread out the cost of a purchase. From time to time, Citi may offer you the opportunity to create a Citi Flex Plan to make fixed monthly payments to pay off purchases or a loan against your card's credit line. If you need a higher credit limit, you can Easily Request a Credit Limit Increase (No Hard Pull) via the Citi App. Accessed Oct. 7, 2020. This is called the Citi Flex Pay plan.Purchases made during your current or prior billing cycle that are greater than $100 can be included in your Citi Flex plan. Citi Flex Loans are a unique offering from Citi, allowing credit cardholders to take out a loan with a fixed APR up to the amount of their credit limit. You may also call Citi customer service to check for available offers. "Citi Flex Loan." You can find details about your Citi Flex Loan, including your initial and current balance (as of the statement closing date) and required payment due each billing period (your Citi Flex Plan Payment Amount), under "Citi Flex Plan details" on your statement. You may also end up with a lower interest rate than you would by going other routes, such as taking out a personal loan or carrying a regular purchase balance on your card. Note that the full amount will be deducted from your available credit, but you will have to pay only a monthly due payment at the end of each billing cycle. Citi Flex Pay lets you make a credit card purchase, and then pay it back over a period of time with a fixed, Citi Flex Loan allows you to borrow from your card’s available credit and repay it using a fixed monthly. However, you may choose to pay more than the required Minimum Payment Due, and you can make additional payments on your account at any time. You’d pay it off with no interest if you clear the balance within the promotional period. Accessed Oct. 7, 2020. Borrowing or purchasing items beyond your means will just add to your monthly minimum payment burden, and that can cause trouble down the line. Your monthly payment options are based on your available repayment terms and requested loan amount (up to the maximum amount available to you when you request your loan). Average Credit Card APR Was 20.23% in October 2020, Citi Double Cash Card Review: Cash Back with No Annual Fee, Best Personal Loans for Debt Consolidation: Pay Less and Save, The Balance Money Kit: Eliminating Credit Card Debt, Average Credit Card Interest Rate is 20.24%. When you have a Citi Flex Loan or Citi Flex Pay on your account, 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. The interest rate of this offer will remain Visit www.citi.com/flexloan for additional details. See Citi® / AAdvantage® Executive World Elite Mastercard® details More Citi Flex Loan offers may be presented on your Account Overview page or you may view available offers by selecting the "Services/Credit Card Services" option from the top menu bar. Is the Citi Flex Plan amount part of my existing credit limit? The Citi Flex Plan Payment Amount that you are required to pay each billing period is included in your Minimum Payment Due, and is due on the payment due date disclosed on your statement. Citi Flex Plan is a new optional feature that allows you to make a purchase or take a loan against your card's credit limit and pay it off over a set number of monthly payments. A Citi Flex Loan is a Citi Flex Plan option that allows you to borrow money from your existing Citi credit card account's credit limit and pay it back at a fixed APR, in fixed monthly payments over a set duration. A traditional personal installment loan is a separate account and credit line, and will typically require an application and credit bureau check. For illustrative purposes only based on a 9.99% APR. Accessed Oct. 7, 2020. That means your entire Flex Loan balance must be paid off before your balance transfer will have payments applied to it. Do I earn credit card rewards on a Citi Flex Loan? How do I know if I am eligible for a Citi Flex Loan? Citi® Flex Loan Fast funds, right from your Citi Card. City Flex Pay allows you to pay off a purchase over time with a potentially lower APR than your normal purchase APR. and its affiliates in the United States and its territories. How do I receive my Citi Flex Loan funds? inquiry or origination fee. The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. The longer the time period you choose, the smaller your payments will be — but the more interest the balance will accrue, and the more you’ll spend in total. Can I pay my ongoing credit card purchases off in full and avoid paying interest on purchases, after Loan getting a Citi Flex Loan or Citi Flex Pay? No. When will my Citi Flex Plan Payment be due? Your ability to create a Citi Flex Plan will depend on the amount of your available credit, creditworthiness, and other factors. You will have one combined statement and one minimum monthly payment on your credit card account. How Are Card Payments Applied When You Use Citi Flex Pay? Sign on now to see if you have an available Citi Flex Loan offer. Hi, XYZ, We're writing to introduce Citi Flex Plan - a new feature on your Citi® account. With no-hassle funding like that, it's ideal for those planned-or unplanned-expenses in life. Once your loan is processed, your loan amount will be added to your card's total balance, and your monthly payments will be included in your card's Minimum Payment Due. The Federal Reserve. A Citi Flex Loan leverages the Your APR is fixed for the duration of your Flex Loan. Actual Offer Terms will vary. How Are Card Payments Applied When You Use A Citi Flex Loan? As a result, in your next billing statement, you may see that part of the other balance still remains due, and you will have to pay that amount as part of your statement balance to avoid paying interest on purchases in the next billing period. While you can’t apply for a Citi Flex Plan, a direct offer might be sent to you via mail or email, or be listed on your Account Overview page online. If you choose direct deposit, in most cases your Citi Flex Loan funds should be deposited into your bank account in 1-2 business days. Citi is offering some cardholders ‘Citi Flex Plan’. See additional details for Citi ® Double Cash Card – 18 month BT offer With Citi Flex Loan, you may be eligible to turn a portion of your Citi card's available credit line into a fixed-interest loan. No separate application is needed. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. However, they’re only available to select customers. Subject to Citibank's approval, you may at anytime cancel your Citi PayLite plan or opt for early settlement of the PayLite amount. You choose how much you want according to your eligible loan amount and available credit. Do you want to go to the third party site? "Can I pay my ongoing credit card purchases off in full and avoid paying interest on purchases, after Loan getting a Citi Flex Loan or Citi Flex Pay?" Is there a fee for getting a Citi Flex Loan? How does a Citi Flex Loan appear on my statement? Just a simple call or login to Online Banking, enjoy the flexible repayment for up to 24 months. How is a Citi Flex Loan different from a personal installment loan? The standard variable APR for Citi Flex Plan is 13.49% – 23.49%, based on your creditworthiness. If you make a payment that is higher than the minimum amount due, the extra amount will be applied to the account balance that has the highest APR. So for example, say you have a regular purchase balance of $5,000 (with an APR of 14.99%), and then you have a Citi Flex Pay purchase that requires you to pay $75 per month (and has an APR of 7.99%). The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. That site may have a privacy policy different from Citi and may provide less security than this Citi site. For instance, you may be able to get a lower rate with a personal loan. If we accept your request for a Citi Flex Loan, your loan will appear as a new Citi Flex Plan on your next statement as a transaction posted on your statement for the full amount of the loan. The minimum amount you borrow via a Citi Flex Loan is $500. An interesting Citi Flex feature is that you can move eligible purchases after you have made them, shifting them from your regular CitiCard account to Citi Flex. Yes. Citi Flex Pay also recently partnered with Amazon so that you can choose to use the payment plan right in the Amazon checkout window when using your Citi card. We may, from time to time, offer you the opportunity to get a Citi Flex Loan. If your minimum balance due is $125, that would include your fixed $75 Citi Flex Pay payment and an additional $50 toward your $5,000 balance. You can visit the Citi Flex Plan Status Page or Citi Mobile app to view the status of your Citi Flex Loan, your payment history and the remaining balance on your Citi Flex Loan. If you choose to receive a check, you should receive a check payable to you within 10 days. Select the purchase you wish to convert to Citi PayLite and decide on the repayment tenure. Choose the shortest duration you can afford. If your Citi Flex Plan APR is higher than the APR on another balance on your account, you can still avoid paying interest on purchases by paying your Citi Flex Plan Payment plus your statement balance (not including your Citi Flex Plan balance) in full by the payment due date. You can also contact Citi customer service to ask if you are eligible for Citi Flex Plan or other offers. With Citi Flex Loan you can use your credit line to access funds and pay for those funds under a Citi Flex Plan. existing credit line on your Citi credit Your balances, Minimum Payment Due, and all the details of your Citi Flex Loan will be shown in your statement summary under Citi Flex Plan. Citi Flex Plan offers are made available at Citi’s discretion. The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Customers will also be notified if they have the opportunity to … fixed for the duration of the loan. The way it works is that your fixed monthly payment amount will be added to your regular credit card minimum payment due. There are two ways to create a Citi Flex Plan – Citi Flex Pay and Citi Flex Loan. Citi Flex Plan offers are made available at Citi's discretion. I just got seven pages of changes to the terms of my Citi Costco card that go into effect September 23. Citi Mobile® App Flexi-Installment Program provide flexible repayment methods. There is no prepayment penalty to pay off a Citi Flex Plan balance early. Just keep in mind that once the promotional period ends on either of those kinds of offers, you’ll pay a regular credit card interest rate, which may be higher than what you’d pay on a Citi Flex Plan. Should You Use a Credit Card 0% Deal for Holiday Expenses? card, so there's no application, credit Discussion. The monthly payment will then be included in the minimum amount due each month on the credit card. Citibank Credit Card offers you an interest-free Easy Payment Plan. First check to see if you have any available offers via Citi Online or call Citi Customer Service. Can I pay my ongoing credit card purchases off in full and avoid paying interest on purchases, after Loan getting a Citi Flex Loan or Citi Flex Pay? Just like Citi Flex Pay, your Citi Flex Loan fixed payment will be added to your minimum payment each month. Citi Flex Pay is a Citi Flex Plan option that allows you to take an individual credit card purchase and pay it off over a set duration with fixed payments and a fixed APR. Select a loan amount and payment Citi Flex Loans are not eligible to earn rewards points or cash back. Sign on to see if you have a Citi Flex Loan offer and get more out of your card today. You may pay off your Citi Flex Plan balance early at any time, however, payments made in excess of the Minimum Payment Due will be applied first to the balance on your account with the highest APR, then to the balance with the next highest APR, and so on. If you pay more than the minimum owed, the additional payment will be applied first to the balance with the highest interest. While a longer payment duration may lower your monthly payment and give your budget breathing room, it will also cost you more interest over time than a shorter term. However, if you decide to pay $250, that additional $125 would be applied to your regular purchase balance since that APR is higher. This gives cardholders the ability to make fixed monthly payments to pay off purchases or a loan against your card’s credit line. Steps to Take When You've Maxed Out Your Credit Cards. The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion. Funds are borrowed from your existing Citi credit card's available credit line. Your monthly payment is instantly calculated. Citi is not responsible for the products, services or facilities provided and/or owned by other companies. There are basically two ways to use this: Pay for eligible transactions under a Citi Flex Plan However, the amount above your Minimum Payment Due will be applied to your Citi Flex Plan balance before the other balance with the lower APR. You also choose your payment timeline depending on eligibility and pay it back in fixed monthly installments. Taking a Citi Flex Loan is a simple process if you’re qualified. What’s the Difference Between 0% Balance Transfers and 0% Purchases? You are required to make only one minimum payment each month on your account, which includes your Citi Flex Plan Payment Amount. Citi. Direct deposits may arrive in as little as one business day. In contrast, a balance transfer typically features a promotional APR for a specified period of time and becomes part of your credit card revolving balance. Log on to Citibank Online now or give us a call today and enjoy a flexible credit card payment plan of up to 24 months. There are two ways to create a Citi Flex Plan. The Citi Flex Plan Payment Amount that you are required to pay each billing period will appear on your statement as part of your Minimum Payment Due. No application or credit inquiry if you're a Citi cardmember. Amazon purchases financed with equal monthly payments using a Citi credit card are processed as a Citi Flex Plan at the end of the billing period in which your items ship. The Balance uses cookies to provide you with a great user experience. Citi introduced a new feature called Citi Flex Loan (learn more here) where you can basically get a cash advance up to your available credit limit. Choose your eligible loan amount leveraging your available credit line. Where can I learn more about Citi Flex Plans? Another option might be getting a new credit card with a 0% introductory purchase rate, and using that card to make your big purchase. Both can be helpful for borrowers who need some wiggle room but don’t want to go through a new loan or credit card application. Why is the Citi Flex Plan amount different than the monthly payment amount shown at checkout? terms both based on your eligibility. Your Citi Flex Loan provides options. Citi Flex Plan. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States. You are leaving a Citi Website and going to a third party site. A Citi Flex Plan will present you with two financial paths: a Citi Flex Loan or Citi Flex Pay plan. Eligible Citi cardholders can access Citi Flex Plan to either borrow cash from their available credit, or pay off a large purchase with a fixed monthly payment plan. Actual Offer Terms will vary. The Citi Flex Plan is a credit card feature that allows some Citi cardholders to leverage their line of credit in two ways: Citi Flex Pay lets you make a credit card purchase, and then pay it back over a period of time with a fixed rate. As a result, in order to pay off your Citi Flex Plan balance in full, you must make a payment that covers all of the following amounts: the Minimum Payment Due for that billing period, the full amount of any credit card balances with an APR higher than or equal to the APR for your Citi Flex Plan and the remaining balance on your Citi Flex Plan. Those who do qualify will either receive a direct offer from Citi, or they can log in to their account to check if an offer is available.. No separate application is needed. You get to choose the duration (which will vary from 3 to 48 months depending on the amount of the purchase), and you will know the fixed amount and APR ahead of time so that you can plan your budget accordingly. Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. Citi. No, there is no fee charged for requesting a Citi Flex Loan. Citi will list the monthly payment options and repayment terms (including the APR and the monthly payment you would owe), depending on the loan amount you intend to borrow. Once you have an offer (more on that below), you can see details in your account online. For example, you could apply for a personal loan or open up a new credit card with a 0% introductory APR. The Citi Flex Plan is a credit card feature that allows some Citi cardholders to leverage their line of credit in two ways: The idea with both options is to give you a way to make a large purchase or borrow money without having to apply for a new line of credit. Using a Citi Flex Plan can be a helpful tool in some situations, but only if used wisely. There is no special application, no fee, and no hard inquiry made on your credit report. Make a purchase of at least RM500 with your Citibank credit card anywhere around the world and manage your finances better. By using The Balance, you accept our. You have your Citi card when you need it, and now there's more you can do with it. IMPORTANT NOTE. Where can I find the status of my Citi Flex Loan? After that the variable APR … Will I have separate payments to make each month? A fixed-rate loan could make budgeting easier, You may be tying up your available credit for longer, You will not earn rewards with a Citi Flex Loan, Before you commit to a Citi Flex Plan, check out some other options. Citi Flex Pay. A Citi Flex Loan does not require a separate application or credit bureau check. More Highlights. Here, we break down both Citi Flex Plan options and its features to help you decide if it’s a credit card benefit worth exploring. Citibank is a long-standing bank. A Citi Flex Loan is a Citi Flex Plan option that allows you to borrow money from your existing Citi credit card account's credit limit and pay it back at a fixed APR, in fixed monthly payments over a set duration. What Is a Citi Flex Plan and How Does It Work? A Citi Flex Loan is repaid in fixed payments, over a set duration. With Citi Flex Pay, you can pay for eligible transactions under a Citi Flex Plan. If so, select your offer and choose the monthly payment option that best suits your needs. Citi Flex Pay on Amazon allows you to split your purchase into equal monthly payments over a period of time ranging from three to 48 monthly payments, depending on your purchase size. What Are Citi Flex Plans? You can see if a Citi Flex Loan offer is available to you via your Citi Online account. The fixed monthly payment will be added to your card’s minimum amount due each month until you reach the full payoff. See if your Citi credit card has an offer to help you handle life's expected and unexpected expenses. 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. Citi Flex Plan offers are made available at Citi's discretion. We may limit the number of active Citi Flex Plans you can have and we may change this number at any time. Then, anything beyond that could be applied to your Citi Flex Plan balance. Choose from the available term options. Flex Loans are available only with an existing Citi credit card. The average personal loan rate in the second quarter of 2020 was 9.5% for a 24-month loan, according to the Federal Reserve.. Such cancellation or early termination requires an early termination penalty of 5% on the remaining outstanding principal under the Citi PayLite instalment plan. The loan comes from a card that's already in your wallet, so there's no need to apply, no credit inquiry, and no origination fee. Therefore, if it’s your goal to pay extra toward your Citi Flex Plan balance, you would have to first cover the entire minimum payment for that billing period and the full amount of your regular purchase balance. Can I prepay my Citi Flex Plan balance? For new Citi Flex Plans, your first Citi Flex Plan Payment Amount will consist of principal only, then after that, the Citi Flex Plan Payment Amount will include interest charges on the Citi Flex Plan balance for that billing period plus a portion of the principal amount. And City Flex Loan provides fast access to cash without having to apply for new credit. Use ThankYou Points or other eligible Citi Rewards currency to shop at Amazon.com. Citi offers a wide array of credit card options so you can choose the features that matter most to you, including travel benefits, rewards points, and more. On Aug. 3, Citi announced a new Citi Flex Pay feature that will allow cardholders to finance Amazon purchases. Citi Flex Loan FAQ. The Citi Flex Plan will be available to cardholders based on creditworthiness and credit limit availability. Citi Flex Pay purchases do not have to be paid separately from your regular credit card bill. Once you choose a loan amount, you can request a check by mail or bank deposit in that amount. footnote 1 Promotional offers, available in-store at CVS Pharmacy or online at CVS.com for eligible PayFlex HSA/FSA members.. footnote 2 You’ll want to add up your total health care expenses per year. What is the minimum and maximum amount I can borrow with a Citi Flex Loan? Citi cardholders that have made a recent purchase on Amazon using a Citi card and have a cart of $100 or more are now eligible for a number of financing options with an APR of 6.74%. Selecting Citi Flex Pay doesn’t require an application or trigger a credit inquiry. Using the new option, cardholders will be able to pay large purchases over time using their credit card and save on interest. As the rollout occurs, more information will be available as to exactly how the notification will be provided. Choose direct deposit to receive funds in as little as one business day, or check by mail. Not every Citi cardholder will be eligible to use a Citi Flex Plan because offers are based on creditworthiness. If your account has both a Flex Loan balance and a balance transfer balance (with an APR less than that of the Flex Loan), payments will be applied to your Flex Loan balance before they will be applied to the transferred balance. It will have a fixed APR that lasts until the Loan balance is paid in full. Get an idea of what you'd pay based on your eligible loan amount. Is there a pre-payment penalty? Note that your statement balance can include balance transfers, if you have any. For both, you’ll have a fixed APR and get to choose the duration of payments. Apply Now. How To Apply for Citibank Flexi Payment Plan Get help with making your expensive shopping habits affordable. The bottom line: City Flex Plan can be good in a pinch, but use it sparingly. 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 unless you first pay the Citi Flex Plan balance in full. Yes, the Citi Flex Plan amount is based on the available credit on your Citi credit card at the time you request your Citi Flex Plan. The claim is that these changes are associated with a new "feature" called Citi Flex Plan which looks like a way for them to entice you into interest-bearing debt. Or, if you’ve already made the purchase on a Citi card, you may be able to open a balance transfer card and pay off that balance with a 0% APR. Other account fees, such as late payment fees, may still apply. 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