Auto Loans
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Last Updated: 04/18/2025
SuperMoney User Recommendation Score -89
Strongly not recommended19 total votes
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Highlights
Community Rating
Strongly not recommended
Amount Range
$5,000 - $50,000
APR (Fixed APR)
6.52% - 15.28%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
640 - 800
Loan Term (Months)
Up to 72
Number of Reviews
Citizens One Auto Finance Review
Citizens One Auto Finance is offered by Citizens Bank, a bank founded in 1828 and based in Providence, RI. Citizens One Auto finance are available in 47 states.
Citizens One Auto finance FAQ
How much can you borrow via Citizens One Auto finance?
Citizens One Auto finance loan amounts start at $5,000 and go up to $50,000.
What APR does Citizens One Auto finance offer on its car loans?
Citizens One Auto finance offers a fixed apr car loan product that ranges from 6.52% APR up to 15.28% APR.
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.
What is the maximum auto loan term you can get with Citizens One Auto finance?
Citizens One Auto finance has car loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.
Does Citizens One Auto finance charge an origination fee?
Yes, Citizens One Auto finance may charge a loan origination fee .
Does Citizens One Auto finance charge a late fee?
Yes, Citizens One Auto finance charges borrowers with a late payment penalty fee
Does Citizens One Auto finance charge prepayment fees?
No, Citizens One Auto finance will not charge you a fee for paying your loan early. Whenever possible choose lenders like Citizens One Auto finance that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Citizens One Auto finance loan?
Yes, you can. Citizens One Auto finance does not charge a prepayment fee, so you can save money by paying your car loan early.
What do you need to qualify for Citizens One Auto Finance?
Applicants with a credit score of at least 640 and up to 800 may be eligible for Citizens One Auto Finance. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Citizens One Auto Finance does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan via Citizens One Auto finance?
Citizens One Auto finance will typically fund the car loan within 7 business days of approval.Does Citizens One Auto Finance report your account activity to credit bureaus?
Yes, Citizens One Auto Finance 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 Bank perform a hard credit pull?
Yes, Citizens One Auto finance 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 Bank a legit company?
Citizens Bank was founded in 1828, it is a well-established company that has been in business for 198 years. Citizens One Auto Finance is strongly not recommended by SuperMoney community users.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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 One Auto finance
Message from our editor
What we love about Citizens One Auto Loan
Citizens One Auto Loan works with car dealerships to offer financing to people who want to buy cars. It offers flexible loan terms, letting you take up to 84 months to repay your auto loan. You can finance both new and used vehicles and Citizens One’s minimum credit score is lower than many other large lenders’ requirements.
Citizens One is also widely available. The lender operates in more than forty states and works with more than 6,700 dealerships.
What could Citizens One Auto Loan do better?
One drawback of Citizens One is that it primarily does financing through dealerships. To get a loan offer, you’ll have to visit a dealership in-person and apply for financing there. That means you can’t get a loan offer before you go out, which can help you know what you can afford and give you a stronger position to negotiate.
Citizens One also doesn’t offer refinancing. It’s only for the purchase of new and eligible used vehicles.
Finally, Citizens One doesn’t have the best IT systems out of major car lenders. Setting up an account and managing your loan online can be a hassle, which is the last thing you want when you’re trying to make sure you pay your bills on time.
Citizens One Auto Loan’s backstory
Citizens One is the financing arm of Citizens Financial Group, one of the larger banks in the Northeastern United States. It offers auto loans, personal loans, student loans, mortgages, and credit cards to consumers.
The Verdict
Citizens One’s auto loans are the type of loans that you generally seek out. More frequently, you wind up working with Citizens One when you apply for financing at a dealership. This isn’t necessarily a bad thing as you may get a good deal or a discount from the dealer. Still, it’s in your best interest to shop around for loans before going to the dealer’s lot and to keep Citizens One loans in mind as one of your options while you shop.
Other Services by Citizens Bank
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Student Loan Refinancing
Rating not yet determined (2 Reviews)
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -89, or 1.2 on a 5-point rating scale.
-89
-1000+100
No one recommends
Everyone recommends
Citizens One Auto Finance Community Reviews
Would you recommend Citizens One Auto Finance to your friends?
AC
Anthony C.
Nov 14, 2023
May or may not recommend
First off the employees are rude and don’t even speak English when you call. And they also steal your money. I traded in a car that had gap insurance on it. I’ve always gotten the money that was left over in the ppast. Not with Citizens. They refuse to give it back to you. They literally steal your money. I’ll pass up on a new car in the ...Show More
U
Anonymous
Sep 22, 2023
May or may not recommend
Made it easy to acquire a Citizens One loan for our vehicle.
Tianna J.
Oct 3, 2022
May or may not recommend
They are fraudulent. Customer service is bad as hell! I got hung up on twice. They contradict themselves in the worse way. If I could return the car I would! They make no sense on the payment options!!
U
Anonymous
Jun 28, 2022
May or may not recommend
They were suppose to do a deferral in December, but didn't. They said we were approved and so we assumed it was a done deal. Well we started getting letters saying we were still behind and they have been charging late fee after late fee. We called and got a run around. We asked to speak to a manager or supervisor. He gets online still giving us the run around. ...Show More
LO
Lauren O.
Jun 27, 2021
May or may not recommend
May 3 2021= car towed from driveway =Car payments up to date yet changed payment method recommended by Citizens one auto that was never properly credited resulting in car tow=Major hardship retrieving from "tow yard' exorbitant fees and no explanation as to where our previous 4 month payments were sent to that resulted in my car being towed because Cit has no record of payments made or where it went ...Show More
KM
Kellie M.
Sep 19, 2019
May or may not recommend
Worse auto loan company in the world.! Have been trying to defer 2 months of my payment from a year ago when I was out of work. Every time I’ve deferred it including paying the interest rate of over $200 for the deferral to be complete, they call and say “sorry, we made a mistake and didn’t input the account number correctly, or sorry we made a mistake it’s passed ...Show More
U
Anonymous
Aug 22, 2019
May or may not recommend
We wired money to pay off my car according to pay off that was given to me by the bank they sent me a letter stating it was paid off 7 days later they sent me a collections letter stating I was behind. I have only had the car for 24 months! How does that work!
U
Anonymous
Jul 24, 2019
May or may not recommend
2 payments on auto missed because my 84 yr old mother had been in and out of hospital. Never had missed payments in past 4 yrs. I called up Citizens, explained the situation and setup a 2 payment plan. Called to make 1st payment and was now told there was a repo put out for car and my payment was now doubled. I asked then why was this payment arrangement ...Show More
HH
Heather H.
May 8, 2019
May or may not recommend
Horrible customer service! Have been trying to get the title to a car that has been paid in full for 6 months. I have never experienced anything like this. I have filed complaints with the State and federal banking commission. Not sure how or when this will get resolved.
SR
Susan R.
Apr 28, 2019
May or may not recommend
Incompetent! Messed up on my auto refinance by not sending payoff letter with required information such as make, model, year, VIN until I called continuously for a week. My bank NEVER received the fax and they have the audacity to charge me a fax fee of $25? The representative I spoke with refused to waive fee. NEVER do business with Citizens One.
Thomas H.
Dec 5, 2018
May or may not recommend
You cannot get a live person.After going to the menu,you are sent to an "agent",who never answers.I have waited up to three hours without an answer before hanging up.After the loan had been off by a dealer,they took forever to post.Now,thy say there is a zero balance but the next payment is due at the end of the month! They already deducted an extra payment after the loan was paid ...Show More
VH
Val H.
Nov 30, 2018
May or may not recommend
Citizens One has the poorest customer service I have had to deal with. spent over 2 hours wait time on the phone and my call still hasn't been answered.
Deborah H.
Nov 29, 2018
May or may not recommend
rates are rediculously high and customer service is terrible, just trying to change auto payments has been a 2hr waste of time!
DW
Duane W.
Nov 16, 2018
May or may not recommend
Nobody answers a call. I tried to make a payment online, hit submit button and the screen went blank. Since I didn't receive a confirmation screen, I'm guessing it didn't go through but wanted to verify that they received payment (still not in my online bank account). I don't want to make two payments this month.....Of course, nobody answers the phone when you call. This is ...Show More
U
Anonymous
Mar 16, 2018
May or may not recommend
Zero stars should be an option for companies of this caliber. This is by far the worst financial institution I have dealt with in my life. I went with them because they had the lowest interest rate while buying a car from a dealer.
I won't go into the gory details, but If you have any other options (even higher rate options), go with those. Avoid this ...Show More
stephen W.
Mar 8, 2018
May or may not recommend
Worst customer service ever, I will never use them again
John N.
Jan 30, 2018
May or may not recommend
Undoubtedly the worst auto loan I have ever had. My payments were sent electronically but even though never posted till a few day later. I called about it twice and was told it was a data entry problem. I never received a discount on the following month. I finally called my Credit Union and refinanced. I would not recommend these people for any sort of loan.
Sincerely
John R Neely
Jessyca J.
Jan 22, 2018
May or may not recommend
If this place isn’t your only option, please run. They will personally, screw your credit wise. They report the payoff amount each month and I’ve neiticed they’ll have reported twice this month. I hadn’t had the car long so their reporting is killing my credit score. Yet they do not care. Please don’t be like Jessyca and go somewhere else.
Connie D.
Sep 5, 2017
May or may not recommend
Are there any humans answering the phone today. Cannot work with a bank when you cannot get a PHONE number that works.
Showing 19 of 19 reviews