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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

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
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.

Payments made with a checking account or debit card will post to your account on the same business day if paid by 4:30 p.m. EST (Monday-Friday). Payments made with an ATM card 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.
Dial 1-888-805-0200 for Pay by Phone Services. Please note: there is a $12.50 charge to use the automated payment service. Additional charges may also be incurred if you choose to make a payment with a Citizens Bank 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.

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