The Citizens National Bank Personal Loan Review

The Citizens National Bank Personal Loan is offered by The Citizens National Bank, a bank founded in 1915 and based in Greenleaf, KS. The Citizens National Bank Personal Loan is available in 1 state across the USA.

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• Hard credit pull required. You can't check your rates or see if you prequalify for The 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 The Citizens National Bank Personal Loan early.
• Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for The Citizens National Bank Personal Loan.

Pros	Cons
Considers applicants with fair credit. Accepts cosigners and coborrowers.	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 The Citizens National Bank Personal Loan offer?

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

What fees does The Citizens National Bank Personal Loan charge?

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

Applicants with a credit score of at least 610 and up to 840 may be eligible for The Citizens National Bank Personal Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

The Citizens National Bank Personal Loan does not have or does not disclose a minimum annual income eligibility requirement. The Citizens National Bank Personal Loan will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

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 The 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 The 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
• Driver's license
• Government issued photo ID
• Proof of identity
• Proof of residence

The Citizens National Bank Personal Loan Eligibility Criteria

Minimum Age	18
Bank Account Required?	No
Application Types Accepted	Co-borrowers Cosigners Individual Applications
Credit Score	610 - 840

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

Yes, The 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.