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  Citizens National Bank Personal Loan
Citizens National Bank Personal Loan
in Personal Loans from Citizens National Bank
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Citizens National Bank Personal Loan

Unaffiliated
in Personal Loans from Citizens National Bank
Not enough votes for recommendation

Not enough votes for recommendation

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

Citizens National Bank Personal Loan Review

Citizens National Bank Personal Loan is offered by Citizens National Bank, founded in 1888 and based in Meridian, MS. Citizens National Bank Personal Loan is available in 51 states across the USA.

Key Takeaways
  • 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 Personal Loan early.
Citizens National Bank personal loan Pros & Cons
Pros Cons
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • Charges prepayment fees.
  • Charges a late fee.
Citizens National Bank personal loan FAQ

What interest rates and personal loan terms does Citizens National Bank personal loan offer?

Citizens National Bank personal loan has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Citizens National Bank personal loan offer?

Citizens National Bank personal loan offers a personal loan product but they do not disclose their interest rates.

Citizens National Bank personal loan Interest Rates & Loan Terms
Personal Loan Amount N/A
Loan Term N/A
APR N/A

What fees does Citizens National Bank personal loan charge?

Does Citizens National Bank personal loan charge an origination fee?

Citizens National Bank personal loan may charge a personal loan origination fee.

Does Citizens National Bank personal loan charge a late fee?

No, Citizens National Bank personal loan will not charge you a late fee if you miss one of the monthly payments.

Does Citizens National Bank personal loan charge prepayment fees?

No, Citizens National Bank personal loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

Citizens National Bank personal loan Fees
Origination Fee No
Prepayment Fee N/A
Late Payment Fee No

What do you need to qualify for Citizens National Bank Personal Loan?

Citizens National Bank Personal Loan does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Citizens National Bank Personal Loan does not have or does not disclose a minimum annual income eligibility requirement.

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. APRs for the Citizens National Bank Personal Loan product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

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

Citizens National Bank personal loan Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
Credit Score N/A

Does Citizens National Bank Personal Loan report your account activity to credit bureaus?

Yes, Citizens National Bank Personal Loan reports your account activity to the following credit reporting agencies:

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.

Is Citizens National Bank personal loan a legit company?

Citizens National Bank personal loan was founded in 1888, it is a well-established company that has been in business for 134 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
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
  • Driver License (or other photo ID)
  • Recent Pay Stubs
  • Proof of Income
  • Proof of Identity
  • Proof of Residence
  • Proof of Insurance
  • Government Issued Photo ID
  • Social Security Number
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Automatic Payments
  • Check by mail
  • Storefront
  • Cash

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