Managing a loan
Personal.Loans.Local.
We've been serving Monroe, Louisiana since 1993 — personal loans built around your life, no matter your credit score.
Checking your options won't affect your credit score.
Get the money you need now with a same-day personal loan.*
How much do you need?
$1,000
Get StartedChecking your options does not affect your credit score.
Get a personal loan
Fixed monthly payments, flexible loan terms, and funds from $500–$5,000 to handle unexpected expenses, consolidate debt, take on repairs, and more.
Apply now→
Refer a Friend, Earn $50
Know someone who could use a hand? Send them our way. When their loan is approved, you get $50. It’s that simple.
Learn more→Easy, affordable personal loans
A personal installment loan from Citizens Financial gets you the money you need — with fixed monthly payments and flexible terms built around your life.
Up-Front Pricing
When hidden fees and fluctuating costs add up, you can be stuck with a bigger payment than you bargained for. That's why we don't hide anything from you. A Citizens Financial Services personal loan comes with one fixed monthly payment, no hidden fees, and completely transparent pricing.
Budget-Friendly Terms
You shouldn't have to break the bank to get cash when you need it. That's why we look at your full financial picture to get you a personal loan that works for you. We believe loan terms should be flexible and supportive of your monthly budget.
More Than a Number
You're more than a credit score, and we treat you that way. We look at your full financial picture — your income, your stability, and your story — not just a number. That way your loan fits your real life, and you walk out feeling heard, not judged.
Get Started
Checking your options won't affect your credit score.
Three things. That's all we need.
1Two most recent pay stubs
2A current bill with your address (utility, phone, etc.)
3Valid ID or driver's license
That's it. No mountains of paperwork. Bring those three things and we'll have an answer for you — usually the same day.
Let's Get Started
Checking your options won't affect your credit score.
360 Reviews · 5.0 Stars
What our customers are saying
“I've known Carrie for over 30+ years. She is one of the most helpful people you would ever want to meet.”
— Bobbie F.
“I had the best experience with Mrs Julie Sweet at Citizens Financial. She will help you with anything you need. I highly recommend her.”
— Monica H.
“Julie and Kevin and Carrie are so wonderful. They go the extra mile.”
— Gary C.
“Ms. Carrie helped me in my time of need even though I am done with bankruptcy — she gave me a second chance to rebuild my credit.”
— T.W.
“We also love the pups :)”
— Cody K.
You're (so much) more than your credit score.
Your credit score only tells part of the story. That's why when you apply for a Citizens Financial Services personal loan, we look at your income, expenses, monthly budget, and of course, your financial needs.
Checking your options won't affect your credit score.