Where does Citizens One Auto Finance do business?

Citizens One Auto Finance is a direct lender based in Providence, RI. It was founded in 1828 and offers auto loans in 47 states across the USA.

What APR does Citizens One Auto Finance offer on its auto loans?

Citizens One Auto Finance offers auto loans with APRs starting at 6.52% and up to 15.28%. 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 inaccuate information in your credit history with these credit monitoring tools

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 penatly 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.

What do you need to qualify for a loan with Citizens One Auto Finance?

Citizens One Auto Finance requires borrowers to have a credit score of at least 640 to apply.

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

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs

What is the estimated funding time for an auto loan via Citizens One Auto Finance?

Citizens One Auto Finance will typically approve (or deny) an auto loan application within 1 hour and fund the loan within 7 business days of approval.

  • Max Loan Term (Months)
  • Institution Type
    Direct Lender
  • Credit Score Range
    640 - 800
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
  • Verification Documents Required?
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
  • Loan Amount
    $5000 - $50000
  • APR
    6.52% - 15.28%
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