In North Louisiana, back to school comes early — and the costs come with it. Uniforms, supplies, registration fees, PE gear, technology for the classroom. When you have two or three kids, it can add up to hundreds of dollars before the first bell rings.
At Citizens Financial Services, we've been helping Monroe families handle this season for over 30 years. We understand the pressure. We make local decisions — most of the time the same day you come in — and we treat you like a person, not a credit score. Bring three things, get a real answer, and get your kids ready for a great school year.
Loan range
$500–$5,000
Personal installment loans with fixed monthly payments. No surprises.
Three things to bring
- Two most recent pay stubs
- A current bill with your address
- Valid ID or driver's license
That's it. Most decisions are made same day.
“Citizens Financial has always been there for my family, and I am so grateful.”
“CFS has always been my go-to place whenever I've needed a little financial help.”
“They actually care and work with you on what's affordable.”
Common questions
Can I use a personal loan for back to school expenses?
Yes. Personal installment loans from $500 to $5,000 can cover school supplies, uniforms, registration fees, technology, and any other school-related costs.
How much can I borrow?
$500 to $5,000. We'll work with you to find a monthly payment that fits your budget.
When is the best time to apply?
North Louisiana schools typically start in early August. We recommend coming in in July to give yourself plenty of time — but we can help you right up to the first day of school.
What do I need to bring?
Two most recent pay stubs, a current bill with your address, and a valid ID. Most decisions are made same day.
Ready to get started?
Checking your options won't affect your credit score.