Citizens Pay
Citizens Pay
in Personal Loans from Citizens Bank

Citizens Pay

in Personal Loans from Citizens Bank
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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
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • Citizens Pay does not report to credit bureaus.
  • Charges prepayment fees.
  • Charges a late fee.

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.

Citizens Pay Interest Rates & Loan Terms
Personal Loan Amount N/A
Loan Term 3 - 36 months

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.

Citizens Pay Fees
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
Citizens Pay Eligibility Criteria
Minimum Age N/A
Bank Account Required? No
Application Types Accepted
  • Individual Applications
  • 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.

    SuperMoney Disclosure: 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.


    Other Services by Citizens Bank


      Available in 50 states and Washington, D.C.
    • 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
    • Employed Full-Time
    • Employed Part-Time
    • Self-Employed
    • Retired
    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
    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)
    • Proof of citizenship/residence (Green Card)
    • Proof of Identity
    • U.S. Tax Identification Number
    • Social Security Number
    • Employer Identification Number
    APR Type Variable APR
    Loan Term 3 - 36 months

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