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Last Updated: 05/01/2025

Citizens Pay

in Personal Loans from Citizens Bank

Last Updated: 05/01/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Strongly not recommended6 total votes

6 users don't recommend

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Highlights

Community Rating

Strongly not recommended

APR (Variable APR)

N/A

Amount Range

N/A

Loan Term (Months)

3 - 36

Number of Reviews

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.
Short loan terms. Citizens Pay have loan terms as short as 3 months.

Citizens Pay Pros & Cons

Pros

Cons

Charges an origination fee.
Does not offer pre-approval with soft credit pull.
Citizens Pay does not report to credit bureaus.
Charges prepayment fees.
No co-sign option available.

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

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?

Citizens Pay does not disclose whether it charges late payment fees.

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

Prepayment Fee

N/A

Late Payment Fee

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.

U.S. citizens and permanent resident / green card holders with a U.S. tax identification number are eligible to apply for the services offered by Citizens Pay.

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

Driver's license or other government photo ID
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?

Application Types Accepted

Individual Applications

Credit Score

N/A

Does Citizens Bank perform a hard credit pull?

Yes, Citizens Pay performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Are Citizens Pay legit?

Citizens Bank was founded in 1828, it is a well-established company that has been in business for 198 years. Citizens Pay is strongly not recommended by SuperMoney community users.

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.

Contact

Headquarters

1 Citizens Plz

Providence, RI 02903

(877) 360-2472

Visit Site

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SuperMoney Net Recommendation Score

SuperMoney users don't recommend this product, giving it a user recommendation score of -100, or 1 on a 5-point rating scale.

-100

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Citizens Pay Community Reviews

Would you recommend Citizens Pay to your friends?

Ivango M.

May 1, 2025

May or may not recommend

Citizens Pay is nothing more than an overpriced scheme. They lure you in with a tempting initial offer — low interest rates and a high credit limit — but the moment you sign the contract, everything changes. Suddenly, the interest rate spikes, and your credit limit drops without warning. It feels like a bait-and-switch tactic designed to trap hard-working people in debt. This bank operates like a shady business, profiting ...Show More

Sharon L.

Jun 13, 2024

May or may not recommend

They have really terrible customer service and a not so easy website to navigate. I would stay away!!! Never will use them again and will not do business with them or any company who uses them.

Wayne F.

Apr 26, 2024

May or may not recommend

I set up an account using autopay, because they were not charging any interest, we used their service "Big Mistake". Halfway through using the service I lost my credit card tied to the account. Later check my credit score and it dropped by 100 points for being 30 days late. After this and multiple phone calls to update my card info they told me sorry but there is nothing they ...Show More

Patti W.

Dec 2, 2023

May or may not recommend

I got hooked up with this scam company through Vivint. I would not recommend doing business with either company. Vivint has a 1.06 rating out of over 2,500 negative reviews. The simple reason they even have a 1 rating is that is the lowest score that you can give them. I would say that Citizens Pay doesn't have any recommentations is because they are as ...Show More

Alex H.

Aug 21, 2023

May or may not recommend

Shamar is ABSOLUTELY HORRIFIC. He’s rude and extremely disrespectful. I would highly suggest hiring employees who actually know how to treat people. When asking to repeat our balance, he spoke super slow as if I was stupid. Sad you allow your company to be represented like this.

Bob K.

Jul 12, 2023

May or may not recommend

I set up a no interest loan with them to buy a Soke treadmill. I do this snd set my autopsy monthly payments up so the loan is paid off before the no interest time frame expires. Citizens Psy does not allow this. They set the amount the autpay uses, an amount that coincidentally will not pay off the balance owed with in the no interest period. Also, according to ...Show More

Showing 6 of 6 reviews