Citizens Pay
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Would you recommend Citizens Pay to your friends?
| APR | N/A |
| Loan Amount | N/A |
| Loan Term (Months) | 3 - 36 months |
Citizens Pay Review
Citizens Pay is offered by Citizens Bank, a bank founded in 1828 and based in Providence, RI. Citizens Pay are 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.
- 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 Pay early.
- Short loan terms. Citizens Pay have loan terms as short as 3 months.
Citizens Pay Pros & Cons
| Pros | Cons |
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Citizens Pay FAQ
What interest rates and personal loan terms does Citizens Pay offer?
Citizens Pay has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Citizens Pay offer?
Citizens Pay offers a variable APR personal loan product but they do not disclose their interest rates.
What is the maximum loan term you can get with Citizens Pay?
Citizens Pay offers loans with terms of up to 36 months.
| Personal Loan Amount | N/A |
| Loan Term | 3 - 36 months |
| APR | N/A |
What fees does Citizens Pay charge?
Does Citizens Pay charge an origination fee?
Citizens Pay may charge a personal loan origination fee.
Does Citizens Pay charge a late fee?
No, Citizens Pay will not charge you a late fee if you miss one of the monthly payments.
Does Citizens Pay charge prepayment fees?
No, Citizens Pay 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.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for Citizens Pay?
Citizens Pay does not require or does not disclose a credit score minimum.Citizens Pay does not have or does not disclose a minimum annual income eligibility requirement. Citizens Pay 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 Pay. Their rates fall within the limits of The Military Lending Act.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Citizens Pay.
To qualify, applicants may need to provide the following documentation:
- Driver's license
- Proof of identity
- Proof of citizenship or residence permit
- U.S. tax identification number
| Minimum Age | N/A |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Are Citizens Pay legit?
Citizens Bank was founded in 1828, it is a well-established company that has been in business for 195 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Contact
- Headquarters
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1 Citizens Plz
Providence, RI 02903 USA - (877) 360-2472
- Visit Site
Other Services by Citizens Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Employment Statuses Considered |
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| Immigration Status Considered |
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| Joint Loan Applications Accepted |
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| Military Status |
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| Supported Income Types |
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| Verification Documents Required |
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