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Frequently Asked Questions: Personal Loan

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Popular Questions:
  • Who can apply for the Citizens Bank Personal Loan?
    Anyone that has reached the age of majority in their state of residence (the age of majority is 18 years old. In Alabama, the age of majority is 19 and in Puerto Rico, it is 21.), is a U.S. Citizen or permanent resident, and has a valid social security number may apply. To be approved for the loan, all applicants need a good credit history and current income sufficient to repay the debt.2
  • How much may I finance?
    The Citizens Bank Personal Loan is available in loan amounts ranging from a minimum of $5,000.00 to a maximum of $15,000.00.
  • How many personal loans can a borrower have at one time?
    The Citizens Bank Personal Loan program is limited to one open and active loan per borrower.
  • How can I check the status of my loan application?
    Applicants and co-applicants may check their loan application status by logging into our website with their username and password. Also, applicants who include a cell phone number in their application may choose to receive updates and messages from the Citizens Bank Personal Loan Application Assistant.3

Rates & repayment examples

The following example depicts the APR, monthly payment and total payments during the life of a $10,000 personal loan. The most credit worthy applicants may qualify for a lower rate while longer-term loans may have higher rates.

*Rates include all eligible discounts.

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