Financial Tips & Resources

Plain-language advice on loans, money, and life in Monroe — from the folks at Citizens Financial Services.

Calendar with a green checkmark on payment day
Paying it back

What paying on time really does for you (and what to do if you can't)

When you pay on time, more is happening than just checking a box. Here's what it actually does for you — and what to do if you can't.

Two arrows looping around a dollar sign
Paying it back

Refinancing a personal loan: when it saves you money and when it doesn't

Sometimes it makes sense, and sometimes it doesn't.

Two shields side by side, one secured with a lock, one unsecured
How loans work

What “secured” means on a loan, and why it's the kind we make

Two kinds of personal loans, in plain English. Plus the one we do at Citizens — and the one we don't.

Loan document with two signature lines
Before you borrow

Thinking about cosigning for someone? Read this first

Helping a loved one get approved is a big deal. Here's what it really means to cosign — and what to think through first.

A small green sprout growing from a pot
Before you borrow

No credit history yet? How your first loan works

Everyone starts somewhere. Here's how a first-time loan works when you don't have a credit history yet.

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What people borrow for

Paying for a trip with a personal loan: what to think through

Vacations are about the memory, not the math. Here's how a personal loan can take the stress out of getting away.

Got a question we haven’t answered?

Five minutes on the phone beats an hour of reading.

Call Ms. Carrie or Ms. Julie and we’ll talk you through whatever you’re trying to figure out — loan or no loan.

Call 318.324.0011Visit the Office