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  Citizens National Bank Auto Bank

Citizens National Bank Auto Bank

in Auto Loans from Citizens National Bank

Unaffiliated

Citizens National Bank Auto Bank

Unaffiliated

in Auto Loans from Citizens National Bank

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APR  (Variable APR) N/A
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Citizens National Bank Auto Bank Review

Citizens National Bank Auto Bank is offered by Citizens National Bank, a bank founded in 1888 and based in Meridian, MS. Citizens National Bank Auto Bank is available in 50 states (and Washington, DC).

Citizens National Bank Auto Bank FAQ

What APR does Citizens National Bank Auto Bank offer on its auto loans?

Citizens National Bank Auto Bank offers a variable APR auto loan product but they do not disclose their rates.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

Does Citizens National Bank Auto Bank charge an origination fee?

Yes, Citizens National Bank Auto Bank may charge a loan origination fee.

Does Citizens National Bank Auto Bank charge a late fee?

Yes, Citizens National Bank Auto Bank charges borrowers with a late payment penatly fee

Does Citizens National Bank Auto Bank charge prepayment fees?

Yes, Citizens National Bank Auto Bank does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my Citizens National Bank Auto Bank loan?

Yes, you can. However, Citizens National Bank charges a prepayment fee if you pay your auto loan early. This fee could reduce or eliminate the savings from paying the auto loan early.

What do you need to qualify for Citizens National Bank Auto Bank?

Citizens National Bank Auto Bank does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Citizens National Bank Auto Bank does not have or does not disclose a minimum annual income eligibility requirement. Citizens National Bank Auto Bank only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Citizens National Bank Auto Bank. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Citizens National Bank Auto Bank. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Proof of income
  • Proof of insurance
  • Driver's license
  • Government issued photo ID
  • Proof of identity
  • Proof of residence

Does Citizens National Bank Auto Bank report your account activity to credit bureaus?

Yes, Citizens National Bank Auto Bank reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Vehicle Type Auto
Verification Documents Required
  • Recent Pay Stubs
  • Proof of Income
  • Proof of Identity
  • Proof of Residence
  • Proof of Insurance
  • Government Issued Photo ID
  • Social Security Number
  • Driver License (or other photo ID)
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Automatic Payments
  • Check by mail
  • Storefront
  • Bank Transfer
  • Cash

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