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Citizens One Personal Loans

To start a new application, please contact a local branch or call us.

Access an Existing Loan Call 1-888-333-0246

Whether you're looking to pay off existing debt or make that big purchase, a Citizens One Personal Loan can help you achieve your financial goals. Loans from $5,000-$15,000.

What can you do with a Personal Loan

Kitchen & Bath Remodel

Debt Consolidation

Engagements & Weddings

Vacations & Timeshares

Recreational Vehicles

and more!

Benefits of a Citizens One Personal Loan

No fees ever

No application fees. No annual fees. No late fees. No fees at all.

No collateral

You don’t have to use your home or any other assets to qualify.

Access to funds

Have the funds in your account right away, often within 2 business days.


What to Know About Getting a Personal Loan

  • Who can apply for the Citizens One Personal Loan?
    Anyone that has reached the age of majority in their state of residence (the age of majority is 18 years old. In Alabama, the age of majority is 19 and in Puerto Rico, it is 21.), is a U.S. Citizen or permanent resident, and has a valid social security number may apply. To be approved for the loan, all applicants need a good credit history and current income sufficient to repay the debt.2
  • How much may I finance?
    The Citizens One Personal Loan is available in loan amounts ranging from a minimum of $5,000.00 to a maximum of $15,000.00.
  • How many personal loans can a borrower have at one time?
    The Citizens One Personal Loan program is limited to one open and active loan per borrower.
  • How can I check the status of my loan application?
    Applicants and co-applicants may check their loan application status by logging into our website with their username and password. Also, applicants who include a cell phone number in their application may choose to receive updates and messages from the Citizens One Personal Loan Application Assistant.3

To start a new application, please visit one of our branches or call us.

Call 1-888-333-0104

Rates & repayment examples

The following example depicts the APR, monthly payment and total payments during the life of a $10,000 personal loan. The most credit worthy applicants may qualify for a lower rate while longer-term loans may have higher rates.

Find My Loan Options

*Rates include all eligible discounts.