Citizens National Bank Line of Credit Review

Citizens National Bank Line of Credit is offered by Citizens National, a bank founded in 1985 and based in Bossier City, LA. Citizens National Bank Line of Credit is available in 1 state across the USA.

What APRs does Citizens National Bank Line of Credit offer?

Citizens National Bank Line of Credit offers a variable APR product, but they do not disclose their rates.

Does Citizens National Bank Line of Credit charge an origination fee?

Yes, they charge a line of credit origination fee.

Does the Citizens National Bank Line of Credit charge a cash advance fee?

Yes, they may charge a fee.

Does the Citizens National Bank Line of Credit charge a statement balance fee?

No, this lender does not charge a statement balance fee.

Does Citizens National Bank Line of Credit charge a late fee?

Yes, they may charge borrowers a late payment fee.

Citizens National Bank Line of Credit Fees

Cash Advance Fee	N/A
Origination Fee	No
Prepayment Fee?	Yes
Late Payment Fee	No
Statement Balance Fee	No

What do you need to qualify for Citizens National Bank Line of Credit?

Applicants with a credit score of at least 650 and up to 840 may be eligible for Citizens National Bank Line of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Citizens National Bank Line of Credit does not have or does not disclose a minimum annual income eligibility requirement. Citizens National Bank Line of Credit 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 Line of Credit. 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 Line of Credit. 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
• Driver's license
• Government issued photo ID
• Proof of identity
• U.S. tax identification number

Does Citizens National Bank Line of Credit report your account activity to credit bureaus?

Yes, Citizens National Bank Line of Credit 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.

How to apply for Citizens National Bank Line of Credit

• Visit the website.
• Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
• Check the information is accurate and submit your application.