Citi Pay® Credit

Q: How do I apply for a Citi Pay Account?

During checkout, select the Citi Pay payment option and complete the application process.

Q: Will there be a credit check as a part of the process?

You will be able to check if you pre-qualify for a Citi Pay Credit account with no impact on your credit. If pre-qualified, you will have to submit an application. A credit check is required to make a decision on your application.

Q: Is there an annual fee?

No, there is no annual fee for the Citi Pay Credit Account.

NO INTEREST IF PAID IN FULL WITHIN PROMOTIONAL PERIOD:

6 months* on purchases of $180–$10,000 or
12 months* on purchases of $360–$10,000

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.

How to Buy with Citi Pay Credit...

step 1: Pre-qualify in seconds

Select Citi Pay at checkout to check if you pre-qualify and receive a decision in seconds.

Already have a Citi Pay Credit account? Look up your account.

STEP 2: APPLY & SELECT PLAN

If you pre-qualify, submit your application and select from available payment plans to complete your purchase

Step 3: Make Payments

Schedule your payments and manage your account online.

Frequently Asked Questions

How do I apply for a Citi Pay Account?

During checkout, select the Citi Pay payment option and complete the application process.

Will there be a credit check as a part of the process?

You will be able to check if you pre-qualify for a Citi Pay Credit account with no impact on your credit. If pre-qualified, you will have to submit an application. A credit check is required to make a decision on your application.

Is there an annual fee?

No, there is no annual fee for the Citi Pay Credit Account.

*With credit approval for qualifying purchases made on
Citi Pay Credit at participating stores. The following Purchase APR is accurate as of 11/14/2024 and will vary: 33.49%. Minimum interest charge: $2. Offer valid for consumer accounts in good standing. See card agreement for details including APR applicable to you.