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  Citizens National Bank Scorebuilder Loan

Citizens National Bank Scorebuilder Loan

in Personal Loans from Citizens National Bank

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Citizens National Bank Scorebuilder Loan

Unaffiliated

in Personal Loans from Citizens National Bank

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

Citizens National Bank Scorebuilder Loan Review

Citizens National Bank Scorebuilder Loan is offered by Citizens National Bank, a bank founded in 1888 and based in Meridian, MS. Citizens National Bank Scorebuilder Loan is available in 50 states (and Washington, DC).

Key Takeaways
  • Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging.
  • Hard credit pull required. You can't check your rates or see if you prequalify for Citizens National Bank Scorebuilder 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 Scorebuilder Loan early.
Citizens National Bank Scorebuilder 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 Scorebuilder Loan FAQ

What rates and terms does Citizens National Bank Scorebuilder Loan offer?

Citizens National Bank Scorebuilder Loan has lower interest rates than the average for lenders reviewed on SuperMoney.

What APR rate does Citizens National Bank Scorebuilder Loan offer?

Citizens National Bank Scorebuilder Loan offers a variable 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 Scorebuilder Loan Rates & Terms
Loan Amount N/A
Loan Term N/A
APR N/A

What fees does Citizens National Bank Scorebuilder Loan charge?

Does Citizens National Bank Scorebuilder Loan charge an origination fee?

Citizens National Bank Scorebuilder Loan may charge a loan origination fee.

Does Citizens National Bank Scorebuilder Loan charge a late fee?

Yes, Citizens National Bank Scorebuilder Loan may charge borrowers a late payment fee.

Does Citizens National Bank Scorebuilder Loan charge prepayment fees?

Yes, Citizens National Bank Scorebuilder 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.

Citizens National Bank Scorebuilder Loan Fees
Origination Fee N/A
Prepayment Fee? Yes
Late Payment Fee N/A

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

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

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

  • Applicants must have an active and valid personal checking or savings account
  • Proof of income
  • Driver's license
  • Government issued photo ID
  • Proof of identity
  • Proof of residence
Citizens National Bank Scorebuilder Loan Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Credit Score N/A

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

Yes, Citizens National Bank Scorebuilder 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.

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.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Accepts Savings Accounts  
Checking Account Required  
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
  • Proof of Income
  • Proof of Identity
  • Proof of Residence
  • Government Issued Photo ID
  • Social Security Number
  • Driver License (or other photo ID)
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Automatic Payments
  • Check by mail
  • Bank Transfer
  • Cash

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SUPERMONEY NET RECOMMENDATION SCORE

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