How we evaluate loan approvals
Here at Citizens Financial Services, our loan approval process is based on you and your personal history of how you have handled your finances and jobs. 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.Apply Now!
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.
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.
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.
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.
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.Apply Now!