Citizens National Bank Auto Bank

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 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 penatly 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. 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 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
• 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.

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 135 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.