Features

Where does Citizens One Auto Finance do business?

Citizens One Auto Finance is a direct lender based in Providence, RI. It was founded in 0 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.

What is the maximum loan term for a Citizens One Auto Finance auto loan?

Citizens One Auto Finance offers auto loans with terms of up to 72 months. Lenders that offer longer terms can offer larger loan amounts and lower monthly payments. However, remember that the longer the term of your loan, the more interest you will pay. 

Does Citizens One Auto Finance charge an origination fee?

Yes, Citizens One Auto Finance charges 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 penalties?

No, Citizens One Auto Finance will not charge you a penalty fee for paying your loan early. Whenever possible choose lenders like Citizens One Auto Finance that don't charge a prepayment penalty fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

What is Citizens One Auto Finance’s eligibility criteria?

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

To qualify, applicants must 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) a loan application within 1 hour and fund auto loans within 1 and 7 days of approval

  • Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
  • Max Loan Term (Months)
    72
  • Credit Score Range
    640 - 800
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Co-signer
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
    18
  • Verification Documents Required?
    • Recent pay stubs
    • Driver license (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Institution Type
    Direct Lender
  • APR
    6.52% - 15.28%
  • Approval Speed (Hours)
    1
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Loan Amount
    $5000 - $50000
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