Citizens One Auto Finance

in Auto Loans

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Citizens One Auto Finance


in Auto Loans

SuperMoney Net Recommendation Score -100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

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6 users don't recommend
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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.

How much can you borrow via Citizens One Auto Finance?

Citizens One Auto Finance auto loan amounts start at $5,000 and go up to $50,000.

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

Citizens One Auto Finance has a variable APR that ranges from 6.52% up to 15.28%.

What is the maximum loan term you can get with Citizens One Auto Finance?

Citizens One Auto Finance has auto loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto 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 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?

Applicants with a credit score of at least 640 can apply for a loan via Citizens One Auto Finance. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

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.


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  • Headquarters
  • One Citizens Plaza
    Providence, RI 02903 USA
  • Visit Site


Available in 47 states
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wyoming

Feature Breakdown

No Prepayment Fee
Application Fee
Minimum Age
Credit Score Range
640 - 800
850 300 640
Immigration Status Considered
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Non-Military
Joint Loan Applications Accepted
  • Co-signer
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount
$5 - $50
$12 $100+
Loan Term (Months)
Up to
6.52% - 15.28%
0% 36%+


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