Is Citizens National Bank Auto Bank the right fit for you?
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Last Updated: 04/18/2025
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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 loan are available in 50 states and Washington, DC.
Citizens National Bank auto loan FAQ
What APR does Citizens National Bank auto loan offer on its car loans?
Citizens National Bank auto loan offers a variable APR car 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 loan charge an origination fee?
Yes, Citizens National Bank auto loan may charge a loan origination fee .
Does Citizens National Bank auto loan charge a late fee?
Yes, Citizens National Bank auto loan charges borrowers with a late payment penalty fee
Does Citizens National Bank auto loan charge prepayment fees?
Yes, Citizens National Bank auto loan 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 loan loan?
Yes, you can. However, Citizens National Bank auto loan charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car 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.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Citizens National Bank Auto Bank.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Proof of income
- Proof of insurance
- Driver's license or other government photo ID
- 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 to the following credit bureaus:
- 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 build your credit.
Does Citizens National Bank perform a hard credit pull?
Yes, Citizens National Bank auto loan performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Citizens National Bank a legit company?
Citizens National Bank was founded in 1888, it is a well-established company that has been in business for 138 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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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.
Message from Citizens National Bank auto loan
Hours of Operation
SundayClosedMonday9:00AM - 4:00PMTuesday9:00AM - 4:00PMWednesday9:00AM - 4:00PMThursday9:00AM - 4:00PMFriday9:00AM - 5:30PMSaturday9:00AM - 12:00PM
Other Services by Citizens National Bank
SuperMoney Net Recommendation Score
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Citizens National Bank Auto Bank Community Reviews
Would you recommend Citizens National Bank Auto Bank to your friends?
LO
Lauren O.
Jun 27, 2021
May or may not recommend
The Absolute worst experience regarding an auto loan =switched payment methods at cit one bank request resulting in"Lost payments"although they were deducted from my bank acct but not delivered to the Payee=Thier own Auto loan which resulted in My car being illegally towed at 3 AM in the morn and countless hardships to recover I absolutely beg anyone considering this shifty and Shiity organization to reconsider your options
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