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  The Citizens National Bank Personal Loan

The Citizens National Bank Personal Loan

in Personal Loans from The Citizens National Bank

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The Citizens National Bank Personal Loan

Unaffiliated

in Personal Loans from The Citizens National Bank

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

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.

Key Takeaways
    .
  • 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.
Citizens National Bank personal loan Pros & Cons
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.
Citizens National Bank personal loan FAQ

What interest rates and personal loan terms does Citizens National Bank personal loan offer?

Citizens National Bank personal loan has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Citizens National Bank personal loan offer?

Citizens National Bank personal loan offers a fixed APR personal loan product but they do not disclose their interest rates.

Citizens National Bank personal loan Interest Rates & Loan Terms
Personal Loan Amount N/A
Loan Term N/A
APR N/A

What fees does Citizens National Bank personal loan charge?

Does Citizens National Bank personal loan charge an origination fee?

Citizens National Bank personal loan may charge a personal loan origination fee.

Does Citizens National Bank personal loan charge a late fee?

Yes, Citizens National Bank personal loan may charge borrowers a late payment fee if you miss one of the monthly payments.

Does Citizens National Bank personal loan charge prepayment fees?

Yes, Citizens National Bank personal 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 personal loan early.

Citizens National Bank personal loan Fees
Origination Fee No
Prepayment Fee Yes
Late Payment Fee No

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
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.

    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 1 state
    Kansas
    Availabile in all of Kansas

    Feature Breakdown

    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Co-borrower
    • Cosigner
    • Individual Applications
    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
    • Recent Pay Stubs
    • Proof of Income
    • Proof of Identity
    • Proof of Residence
    • Government Issued Photo ID
    • Social Security Number
    • Driver License (or other photo ID)
    Credit Score Range 610 - 840
    Credit Bureau Reporting
    • Experian
    • Equifax
    • TransUnion
    Payment Options
    • Automatic Payments
    • Check by mail
    • Storefront
    • Cash

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