Citizens National Bank of Cheboygan Auto Loans Review

Citizens National Bank of Cheboygan Auto Loans is offered by Citizens National Bank of Cheboygan, a bank founded in 1931 and based in Cheboygan, MI. Citizens National Bank of Cheboygan Auto Loans is available in 1 state across the USA.

What APR does Citizens National Bank of Cheboygan Auto Loans offer on its car loans?

Citizens National Bank of Cheboygan Auto Loans offers a fixed 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 of Cheboygan Auto Loans charge an origination fee?

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

Does Citizens National Bank of Cheboygan Auto Loans charge a late fee?

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

Does Citizens National Bank of Cheboygan Auto Loans charge prepayment fees?

Yes, Citizens National Bank of Cheboygan Auto Loans 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 of Cheboygan Auto Loans loan?

Yes, you can. However, Citizens National Bank of Cheboygan Auto Loans 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 of Cheboygan Auto Loans?

Applicants with a credit score of at least 680 and up to 840 may be eligible for Citizens National Bank of Cheboygan Auto Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Citizens National Bank of Cheboygan Auto Loans does not have or does not disclose a minimum annual income eligibility requirement. Citizens National Bank of Cheboygan Auto Loans 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 of Cheboygan Auto Loans. 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 of Cheboygan Auto Loans. 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

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

Yes, Citizens National Bank of Cheboygan Auto Loans 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.