If you’re a Citi cardmember, you may be eligible for an installment plan with Citi® Flex Pay or Citi® Flex Loan. Citi® Flex Pay is a form of pay-over-time for eligible Citi credit card customers for eligible purchases of $75. Citi® Flex Pay is a benefit that allows you to split purchases into fixed monthly payments to pay over a designated period of time for purchases greater than $75 that have posted to your Citi credit card account. With Citi® Flex Loan, you have the ability to access funds from your Citi credit card’s available credit and pay back the borrowed amount at a fixed interest rate for the duration of your loan. In each case, as an existing cardholder, you will not need to submit an application or even undergo a credit check, but it's important to understand how each one works if you want to make the most of it.
Let’s explore how each program; Citi® Flex Pay and Citi® Flex Loan work, and when each option may make sense depending on your financial needs.
What are Citi Flex Pay and Citi Flex Loan and how do they differ?
In general, Citi® Flex Pay may be good for instances where you want to break up purchases of $75 or more into fixed monthly payments over a set period of time. Citi Flex Pay plans generally have a fixed fee and no interest . The purchase will be initially charged in full against your available credit The Citi Flex Pay monthly payment will be added to the Minimum Payment Due each billing cycle until paid in full. On the other hand, Citi® Flex Loan allows you to access funds from your available credit that are repaid in fixed monthly payments at a fixed APR. Here’s a more in-depth look at each option.
Citi® Flex Loan
Citi® Flex Loan lets you access funds from your Citi card’s available credit. Keep in mind that your available credit, creditworthiness and other factors help determine if you’re eligible for a Citi® Flex Loan
If you qualify, interest rates on a Citi® Flex Loan are fixed for the duration of your loan. There’s no application and no credit check.
Once you select the loan amount from your available credit, you can select a repayment term that best suits your needs. Funds are deposited into your Citi or external bank account in as little as 1-2 business days with direct deposit. Your Citi® Flex Loan monthly payment will be added to the Minimum Payment Due each billing cycle until paid in full. If you want to pay more than the Minimum Payment Due, payments above your Minimum Payment Due generally go toward balances with higher APRs first. 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. There is no penalty for paying off your Citi® Flex Loan early.
Citi® Flex Pay
The Citi® Flex Pay benefit on your card lets you split an eligible purchase into fixed monthly payments to be repaid over time. To be eligible for this pay-over-time benefit, your credit card account must be in good standing and under your credit limit. Citi® Flex Pay is an after purchase program that applies to eligible purchases of $75 or more that have posted to your Citi credit card account. As a current cardholder, you can select the repayment plan that works best for you. In addition, if your Citi credit card earns points, miles or cash back, you will continue to earn on card purchases just as you normally would. For most Citi® Flex Pay plans, cardmembers will pay a fixed monthly fee and no interest.
Once you set up your Flex Pay Plan, your Citi® Flex Pay monthly payment will be added to the Minimum Payment Due each billing cycle until paid in full. If you choose to pay off your Flex Pay Plan ahead of schedule, there is no penalty for early pay off.
Citi Flex Pay is also available at checkout in certain circumstances for eligible cardmembers.
- If you have added your Citi® credit card to Apple Pay, your eligible purchase may qualify for a $0 fee and no interest when you select a 3-month payment plan while using an eligible Citi® credit card. This offer expires 6/30/2026 and is available when you use your iPhone or iPad at checkout (for online or in-app merchants).
- Eligible Citi® credit card customers with access to the Citi® Travel Portal can enjoy $0 fee and no interest on eligible Citi Travel bookings when they select a 12 month payment plan at checkout with Citi Flex Pay.
- Eligible Citi®/ AAdvantage® credit card customers may also have the option to select Citi® Flex Pay to pay over time at checkout on aa.com or in the American app for eligible flight purchases
Citi® Flex Pay vs. Citi® Flex Loan: What's the difference?
Both Citi® Flex Pay and Citi® Flex Loan are on-card lending benefits that may be available to eligible Citi cardmembers. However, the key difference is Citi® Flex Pay lets you pay for a purchase of $75 or more over time in fixed monthly payments while charging a set monthly fee. A Citi® Flex Loan allows cardmembers to take a loan from their Citi credit card’s available credit and pay it back at a fixed-interest rate for the duration of the loan.
This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should consult a qualified professional.
