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Citizens One Personal Loans

Find My Loan Options
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-$50,000.


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 $50,000.00.
  • 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
Find My Loan Options
Call 1-888-333-0246

1 RATES: Rates and offer subject to change. All accounts, loans and services subject to individual approval. Member FDIC.

2 LOYALTY DISCOUNT: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower has a qualifying account in existence with us at the time the borrower has submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, student loans or other personal loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI and VT. This discount will be reflected in the interest rate and Annual Percentage Rate (APR) disclosed in the Truth-In-Lending Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan, and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

AUTOMATIC PAYMENT BENEFIT: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their Citizens One Personal Loan during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this benefit.