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  Citizens National Bank of Cheboygan Personal Loans

Citizens National Bank of Cheboygan Personal Loans

in Personal Loans from Citizens National Bank of Cheboygan

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Citizens National Bank of Cheboygan Personal Loans

Unaffiliated

in Personal Loans from Citizens National Bank of Cheboygan

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APR  (Fixed APR) N/A
Loan Amount N/A
Loan Term (Months) N/A

Citizens National Bank of Cheboygan Personal Loans Review

Citizens National Bank of Cheboygan Personal Loans is offered by Citizens National Bank of Cheboygan, a bank founded in 1931 and based in Cheboygan, MI. Citizens National Bank of Cheboygan Personal Loans is available in 1 state across the USA.

Key Takeaways
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  • Hard credit pull required. You can't check your rates or see if you prequalify for Citizens National Bank of Cheboygan Personal Loans without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
  • Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Citizens National Bank of Cheboygan Personal Loans early.
Citizens National Bank of Cheboygan Personal Loans Pros & Cons
Pros Cons
  • Considers applicants with fair credit.
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • Charges prepayment fees.
  • Charges a late fee.
Citizens National Bank of Cheboygan Personal Loans FAQ

What rates and terms does Citizens National Bank of Cheboygan Personal Loans offer?

Citizens National Bank of Cheboygan Personal Loans has lower interest rates than the average for lenders reviewed on SuperMoney.

What APR rate does Citizens National Bank of Cheboygan Personal Loans offer?

Citizens National Bank of Cheboygan Personal Loans offers a fixed APR personal loan product but they do not disclose their rates.

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.

Citizens National Bank of Cheboygan Personal Loans Rates & Terms
Loan Amount N/A
Loan Term N/A
APR N/A

What fees does Citizens National Bank of Cheboygan Personal Loans charge?

Does Citizens National Bank of Cheboygan Personal Loans charge an origination fee?

Citizens National Bank of Cheboygan Personal Loans may charge a loan origination fee.

Does Citizens National Bank of Cheboygan Personal Loans charge a late fee?

Yes, Citizens National Bank of Cheboygan Personal Loans may charge borrowers a late payment fee.

Does Citizens National Bank of Cheboygan Personal Loans charge prepayment fees?

Yes, Citizens National Bank of Cheboygan Personal Loans may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.

Citizens National Bank of Cheboygan Personal Loans Fees
Origination Fee N/A
Prepayment Fee? Yes
Late Payment Fee N/A

What do you need to qualify for Citizens National Bank of Cheboygan Personal Loans?

Applicants with a credit score of at least 600 and up to 840 may be eligible for Citizens National Bank of Cheboygan Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Citizens National Bank of Cheboygan Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Citizens National Bank of Cheboygan Personal Loans 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 of Cheboygan Personal Loans. 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 of Cheboygan Personal Loans. Permanent resident / green card holders are also eligible to apply.

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

  • Recent pay stubs
  • Driver's license
  • Government issued photo ID
  • Proof of identity
Citizens National Bank of Cheboygan Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Credit Score 600 - 840

Does Citizens National Bank of Cheboygan Personal Loans report your account activity to credit bureaus?

Yes, Citizens National Bank of Cheboygan Personal Loans 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.

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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.

Availability

  Available in 1 state
Michigan
Availabile in all of Michigan

Feature Breakdown

Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Verification Documents Required
  • Recent Pay Stubs
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
  • Driver License (or other photo ID)
Credit Score Range 600 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Automatic Payments
  • Check by mail
  • Storefront
  • Bank Transfer
  • Cash

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