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Consumer Loans
Citizens Finance makes consumer loans to customers that desire a quick response and courteous personal service. Our loan officers have the experience and flexibility needed to meet your financial needs.

For an added personal touch, all loans are closed by a loan officer at the branch most convenient to you.

The Citizens Difference

Most lenders use scoring models to underwrite credit applications. If the applicant, doesn't have the correct score, they don't get the loan. We at Citizens Finance don't use a scoring system. We use our years of experience to judge each applicant on their individual merit.

Loan Products

Auto Loans
Are you in the market for a new or used car, truck, sport utility vehicle or van? We have the auto loan you need at attractive rates, with a range of terms designed to keep monthly payments within your budget.

We'll steer you in the right direction with a competitive new or used automobile loan program. We can help you finance up to 100% of the purchase price on new and used autos, with flexible terms.

There are many repayment options with competitive interest rates for qualified applicants. You may even calculatorrefinance your existing vehicle with these interest rates. You can apply for an auto loan right now by clicking LOAN APPLICATION. A loan officer will contact you by the end of the next business day.

Debt Consolidation Services
You may find yourself in a situation where you have balances on several credit cards and an automobile or some other type of consumer loan. There might be several reasons to consolidate these loans and credit cards. Take advantage of our expertise to combine your bills into one low monthly payment!

We can consolidate all of your bills into one low monthly payment.

Personal Loans
A Citizens Finance Personal Loan can make a difference in your life. Whether you need to take care of unexpected expenses, pay tuition, buy furniture, take a vacation or whatever you need, look to Citizens Finance for the answers.

You work hard for your money, and sometimes juggling expenses can be challenging. Citizens Finance can help with a personal loan that's perfect for you, with payments and terms tailored to fit your needs and your budget.

HOW FINANCIAL INSTITUTIONS MAKE CREDIT DECISIONS
credit cardsFrom personal loans, to auto financing to home loans-applying can be an intimidating experience, particularly if you have credit problems or a troubled credit history. Put yourself in control. Understanding the loan process, related costs, and your options is a good place to start.

When lenders review a credit application, they look at these three factors:

  1. Credit history: How well you’ve paid debts in the past.
  2. Current obligations: How much you currently owe each month.
  3. Income and assets: How much you currently earn and own.

Most lenders use computerized scoring systems to rate you on each factor. Your credit score can determine if you will be offered credit, the amount of credit you may be offered, and may even determine how much you will pay for credit (your interest rate and fees). Keep in mind that different lenders have different scoring systems, so if you’re turned down by one lender, you might be approved by another.

At Citizens Finance our loan officers use their years of experience to get to know the borrower, their situation and their needs to make the loan decision without using a scoring system.

Lenders generally don’t have the time to personally investigate credit histories. Instead, they rely on credit reports from one of the credit bureaus that collect and sell this information. The three major credit bureaus in the United States are Equifax, Experian and Trans Union. A credit report is essentially a "report card" on how you have handled credit in the past. Credit reports contain four types of information: identifying information, credit information, public record information and inquiries. This includes:

Identifying Information

  • Your name
  • Your current and previous addresses
  • Your Social Security number
  • Your year of birth
  • Your current and previous employers
  • If you’re married, your spouse’s name

Credit Information
This includes credit accounts or loans you have with:

  • Banks, finance companies or credit unions
  • Retailers
  • Credit card issuers
  • Other lenders

Public Record Information
This includes any information that’s contained in state and county court records, such as:

  • Bankruptcies
  • Tax liens
  • Monetary judgments
  • Delinquent child support
Credit inquiries
These indicate to other lenders that you have applied for new credit (which could result in additional debt). Potential lenders view multiple recent inquiries on your credit report as a sign that you may be overextending yourself.

Review your personal credit file
Individuals are able to get a copy of their credit report once per year at no cost by visiting www.annualcreditreport.com or calling 1-800-916-8800.
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