Welcome to Citizens Bank. This site is screen reader friendly.

Skip to content Skip to main navigation Skip to main sub navigation Skip to footer navigation
Pay My Loan

Whether you have a car, boat, recreational vehicle, home equity loan, or home equity line of credit from Citizens Bank, you can easily set up free Auto Debit or make a payment on Pay My Loan.

Free Auto Debit & Pay My Loan

Enroll Today in Free Auto Debit

Download a form

Free Auto Debit

Our most popular payment option is Auto Debit. Set up a recurring payment and have your payments automatically deducted from your savings or checking account. Download an enrollment form and mail the completed form to:

Citizens Bank
Consumer Finance Department - ROP10K
One Citizens Drive
Riverside, RI 02915

Or fax to 877-362-6343, Attn: Auto Debit Support Team
For further inquiries and process times, please refer to the enrollment form.

Pay My Loan

When making your payment, please make sure you have the following:

  • Your most recent loan statement and/or account number.
  • The zip code on your account.
  • The last four digits of the social security number of the primary borrower on the loan.

Your payment will post to your account on the same business day if paid by 4 p.m. EST (Monday-Friday)

There is no charge for using this service.

Make a Loan Payment

Other Forms of Payment

By Mail

Allow 4 to 7 days for delivery and processing.
Mail your payments to the address that appears on your statement.

By Phone

Allow 1 business day for processing.
Choose from one of the following options:

  • Pay by Phone: 1-888-805-0200 (Please note that there is a $12.50 charge to use the automated payment service)
  • Citizens Bank Representative: 1-800-708-6682 (Please note that there is a $20.00 charge to make a payment with a representative)

In Branch

Same day processing.
Simply stop by any Citizens Bank branch during normal business hours.

Find a branch

By Debit Card

  • If using your ATM/Debit card, it should feature a Pulse, Star, or NYCE Logo.



Branch/ATM Locator

Over 1,100 branches close by.

Receive Email Updates

Sign up now to receive offers and updates from Citizens Bank.