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    Citi Flex Line of Credit
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APPLY for a Citi® Flex Line of Credit
Get a response in as little as 60 seconds

Use it anytime, anywhere, for anything.

Citi® Flex is a line of credit that you can use for anything you choose—pay off high-interest loans or credit cards, take a vacation or make a major purchase. You select the term with the monthly payment amount that works best for you.
What you get

Flexibility

Citi Flex lets you choose your own repayment term from 24 to 72 months and you can change it anytime. For instance, you can lower your monthly payment by extending the term. See example. Significant credit lines available.

Write checks up to your available credit line for anything you choose.

Competitive rates

Low variable APR with flexible monthly payments (rate info)

Costs

No application fees

No annual fees

No prepayment penalties

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How it works

When you first use your Citi Flex Line of Credit, the repayment term is set to 60 months. To change the term—simply call customer service.

You access your Citi Flex credit line by writing checks. You'll get 5 checks initially, and can request more by calling customer service.

You will be mailed a monthly statement that reflects all activity on your line of credit.

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