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).

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• 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.

Pros	Cons
	Charges an origination fee. Do not offer pre-approval with soft credit pull. Charges prepayment fees. Charges a late fee.

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 fees does Citizens National Bank Personal Loan charge?

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

Citizens National Bank Personal Loan Eligibility Criteria

Minimum Age	18
Bank Account Required?	No
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:

• 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.