How we evaluate loan approvals
At Citizens Financial Services, our loan approval process is based on you and your personal history of finances and employment. We consider other personal factors that a much larger chain or bank would never consider, which is a large advantage of doing business with us and our friendly staff.
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Debt-to-income ratio
This is the amount of monthly debt obligations you have, including credit card payments, auto loans, and other monthly obligations, divided by your monthly gross income.
Payment history
We like to see how you have handled paying back your debts to other people you have borrowed money from. This is a good predictor of how you’re going to pay back the loan you take from us.
Job history
Do you typically stay in one job for a year or more? Having a steady income helps your chances of securing the cash you need because it shows us that you can pay back your loan on time.
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Tell me what I need to apply for a loan?
Ok. You’re ready to apply for a loan with Citizens Financial Services. You’re excited and we are, too! You only need a couple of things with you to complete your application here on our website. You’ll also need to bring these items with you when you come to our office to sign the official paperwork and pick up your check. As you can see below, it’s as easy as 1-2-3!
1
Proof of income
This is an easy one. Grab your last two (2) most recent pay stubs from your work, if you are paid every two weeks. This will show us where you work and how much you make in a 30-day period.
2
Current form of ID
This should be easy too. The most basic form of ID that we need is your current driver’s license. It should be current and not suspended or out of date. Come on now, we’re trying to get your cash!
3
Copies of utility bills
These are easy as well. Bring us your last month’s paid utility bills. These can be from the electric company, gas company or water company. A recent mortgage payment will also work.
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We have cash for any type of loan you need
Personal loans are just that…personal. We loan cash to people who need loans for everything in their life from unexpected expenses to planned purchases and everything in between. Because we live in Sportsman’s Paradise here in beautiful Monroe, LA, many of our customers use the loans for the Great Outdoors – four wheelers, boats, campers and recreational vehicles.
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Personal Loans
Medical Bills
The Great Outdoors
Car Loans
Home Upgrades
Unexpected Expenses
Seasonal Expenses
Electronics
Dental Care
Back-to-School
Pet Care
Wedding Expenses
Major Purchases
Moving Costs
Vacation
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