|APR (Fixed APR)||N/A|
|Loan Term (Months)||N/A|
Citizens National Bank Personal Loan Review
Citizens National Bank Personal Loan is offered by Citizens National Bank, a bank founded in 1888 and based in Meridian, MS. Citizens National Bank Personal Loan is available in 50 states (and Washington, DC).
- Hard credit pull required. You can't check your rates or see if you prequalify for Citizens National Bank Personal Loan 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 Personal Loan early.
What rates and terms does Citizens National Bank Personal Loan offer?
Citizens National Bank Personal Loan has lower interest rates than the average for lenders reviewed on SuperMoney.
What APR rate does Citizens National Bank Personal Loan offer?
Citizens National Bank Personal Loan 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.
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 loan origination fee.
Does Citizens National Bank Personal Loan charge a late fee?
Yes, Citizens National Bank Personal Loan may charge borrowers a late payment fee.
Does Citizens National Bank Personal Loan charge prepayment fees?
Yes, Citizens National Bank Personal Loan 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.
|Late Payment Fee||N/A|
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. Citizens National Bank Personal Loan will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.
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 Personal Loan. 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 Personal Loan. 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
- Proof of insurance
- Driver's license
- Government issued photo ID
- Proof of identity
- Proof of residence
|Bank Account Required?||No|
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.
512 22nd Avenue
Meridian, MS 39301
- Visit Site
Other Services by Citizens National Bank
- Washington, DC
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
|Employment Statuses Considered||
|Immigration Status Considered||
|Supported Income Types||
|Verification Documents Required||
|Credit Bureau Reporting||
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