Our story

We started in 1993, and have been serving Northeast Louisiana for over 30 years. As a local family-owned business, we put our emphasis on our customers and their satisfaction in doing business with us. We help all kinds of folks, including those that:

• Don't have perfect credit
• Are underserved by traditional banks
• Don't want to deal with the hassle of a big bank
• Prefer fast and friendly service

At Citizens Financial, you are more than just a credit score. We take the time to hear you and your story.

Our customers have trusted in Citizens Financial for over 30 years.

Ways to use Citizens Financial

The great outdoors

People around the world don't call Louisiana the Sportsman's Paradise for nothing! Use a personal loan from us for a new ATV, a new boat, hunting gear, a new camper or hunting lease. The Great Outdoors is calling you home!

Ways to use Citizens Financial

Home improvements

Your home is a constant asset that can use improvements. Was that last storm a doozy and messed up the roof? Does the kitchen need remodeling or want to build a new porch? We have the cash to help you continue to improve your home.

Ways to use Citizens Financial


Personal loans from Citizens Financial are great sources of funds (and cheaper than many credit cards!) to plan large trips and family events. Plan a cross-country tour, hit the beach or a family reunion. Let us help you get the cash you need.


Meet the team

We are locally owned and operated. We love what we do and who we do it with. We hope that shows thru in our work.

Meet our team

Our story

Citizens Financial Services started in 1993 with a “dream and a smile”. Citizens’ goal was to make the loan process simple and fast by removing the red tape that bogs down larger banks. Citizens also knew that there were plenty of good folks in the area that were credit-worthy, even if the bank’s computer scores said otherwise.

By talking with people and getting to know them and their stories, Citizens has been able to carve out a successful niche serving folks who were turned away by traditional banks or simply did not want to deal with the hassle of big banks.

It really is all about the people. We are genuinely curious and love getting to know people. It continues to be rewarding to share in the lives and stories of members of the community. We see ups and downs, we are there to give a high-five or a hug – whatever it takes. Sometimes you want to go where everybody knows your name.

Life keeps happening every day for everyone – new tires, dental work, a new hot water heater, vacations…you name it and we have loaned money for it! We aim to create win-win situations so that our loans are sustainable and affordable for our customers.

If it works for you, then it works for us.

See what our customers are saying...
Always a quick and friendly transaction each and every time I come here. People are always courteous, helpful and help you get the money you need with reasonable rates. I will most definitely be back.
J. Thomas • Customer
I recommend Citizens Financial. 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. She is very kind and friendly.
T. W. • Customer
Citizens Finance has been such a big help to me in my desperate times of need. Everyone is so nice and helpful. They truly care about their customers. Matter of fact, they treat you like family. Thank you Citizens Finance for everything!
K. Jackson • Customer
Thank you all for the Get Well card. It's not often a company has such concern for a customer. It was a special treat! Citizens Finance is a company that goes out of its way to treat the customer special. I would never go anywhere else.
Anonymous • Customer
Would never deal with another finance company. They humanize their clients/customers. And on top of that, you can get free popcorn! It's a great company with extra special people. I wouldn't do business with anyone else.
D. Nolan • Customer
It is never a pleasant experience to be in a financial bind; whether its unexpected school fees, automobile repairs or a major appliance dying. Over the years, Jack and Carrie and the Staff at Citizens have been a lifesaver for me.
A. Hindmon • Customer
I have known Mr. Jack and staff for many years. Mr. Jack and staff are extraordinary, remarkable, and kind people. They are also God fearing people. They've helped me in hard times and I appreciate everything they've done.
S. Turner • Customer
The Team at CFS has always been great to us. If I need help they are there, always with a helping hand, no questions asked. I would recommend CFS to everyone. They are very wonderful people and understand Life's struggles.
The Trichell's • Customer
It is with great pride that we express our gratitude for supporting our school through donations of T-shirts. Your kindness exhibits support and concern. With all of the challenges facing our children today, community support is high on our list of priorities.
Carroll High School • Customer
Citizens Finance has always been there for my family, and I am so grateful. I am just so happy to know wonderful people as the Citizens Family. They are nice and alway friendly. I am so honored to have a few words to say "Thank You."
J. Pritchett • Customer