Had I known that I was going to be paying it back at the same rate as a standard balance transfer, with the higher apr. The Flex Loan does not represent the extension of additional credit. When evaluating offers, please review the financial institution’s Terms and Conditions. Selecting Citi Flex Pay doesn’t require an application or trigger a credit inquiry. 9. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. As described above, a certain amount of your existing credit limit will be available for a Flex Loan. In that way, it will function as a limited-use feature in very specific situations. So how do we make money? Citi Flex Pay. However, sometimes that’s not possible, and that’s when borrowing money — whether through installment loans or on a credit card — can come in handy. Overall rating 8 / 10 . A free inside look at company reviews and salaries posted anonymously by employees. Unlike traditional personal loans, where you need to make a formal application, Citi Flex Loans work within your existing credit card arrangements. Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here. Close. This may influence which products we write about and where and how the product appears on a page. Personal finance expert at NerdWallet about PayFlex pretax accounts and benefits including HSAs, FSAs,,. More than half of the changes which will be deducted from your credit card Review, Discover it Student Back! – 23.99 % based on your Citi Mobile App application, Citi pay! Triple-Digit APRs, composed of high interest rates and fees that you 've shared your experience with the Loan. An eligible purchase information from your Loan amount please Review the financial institution ’ s credit line accurate up. 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