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  • Product offerings may differ among geographic locations. By selecting your state of residence, you'll be shown the specific terms and rates that will apply to your new account.

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    How to Qualify

    To qualify for a Custom Credit Line, you must have both (1) a Citibank deposit account balance of $500 or more and (2) at least 3 months of tenure on a Citibank deposit account, a linked Citibank Mortgage or a Citi credit card (Sears, Macy's, Home Depot and other retail partner cards excluded) at the time of application.

    You must also have an annual income of at least $10,500.

    How to Use Your Credit Line

    A Custom Credit Line from Citibank is a great way to pay for important items, like a dream kitchen renovation or a wedding you'll remember forever. The amazing flexibility makes it a great choice for whatever you need.

    One great example of its flexibility is the convertibility feature. You can convert variable-rate balances to fixed-rate, fixed-term payments – at any time you choose.

    Getting access to your Custom Credit Line has never been easier. Your options include checks, online, by phone or at one of our branches.

    Flexible Financing

    With a Custom Credit Line from Citibank, you can borrow anywhere from $1,500 to $25,000 to use any way you like.

    Competitive Rates and FeesFootnote 1

    Get a rate ranging from 8.24% variable APR to 20.24% variable APR (may vary by state).

    Making Payments

    Making payments with Citibank is flexible and easy. Your options include:

    • In-person at a branch
    • Mailing a check
    • Citibank Online
    • ATMs
    • Auto Deduct

      Citibank Auto Deduct

      Auto Deduct makes making payments easy—the required payment on your Citibank loan or line of credit is automatically deducted from your selected checking, savings or money market account.

      Does not deduct any Past Due Amounts or Fees/Charges that are reflected as due on your loan or line of credit statement (you are responsible for making these payments).

    You are viewing Rates and Terms & Conditions applicable to a state other than where you live. These Rates and Terms & Conditions may differ from those applicable to your state of residence and will not apply to new accounts you open online. When you open your new account online, Rates and Terms & Conditions will be determined by your state of residence.

    Select Continue to proceed or choose Cancel to modify your selection.

    Share Your Screen With A Phone Representative

    During your call, you may be asked to share your screen for a faster, more efficient experience. If you agree, the phone representative you're speaking with will give you a Service Code to enter below.

    If you need assistance from a Citi representative, contact us via chat or phone