When you have a credit card here, a store card there, and a couple of small loans on top, the calendar fills up fast. Different due dates. Different interest rates. Different companies asking different questions. Most of our customers tell us the hardest part isn't the money — it's keeping track of it all.
Debt consolidation rolls those balances into one personal installment loan with a fixed monthly payment. One payment. One due date. One person to call when life changes. We've been doing this for Monroe families since 1993. We look at your full picture, not just a credit score, and most decisions are made the same day.
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.
“They actually care and work with you on what's affordable.”
“Julie and Kevin and Carrie are so wonderful. They go the extra mile. I tell all my family and friends that if they need to borrow any money they would be crazy not to go to Citizens Financial.”
“I consider them as family.”
Common questions
How does a debt consolidation loan actually work?
We loan you a single amount that pays off your existing balances, and you pay us back in fixed monthly installments. One payment to one local company instead of four or five payments scattered across the month.
How much can I borrow to consolidate?
Personal installment loans range from $500 to $5,000. Most consolidation customers fall in the middle of that range. We'll talk through what makes sense for your situation.
Will applying hurt my credit?
Checking your options with us won't affect your credit score. We look at your full financial picture, not just a number.
Do I have to bring all my bills with me?
It helps to bring statements for whatever you're hoping to consolidate so we can see exact balances. Otherwise, just two recent pay stubs, a current bill with your address, and a valid ID.
What if I miss a payment later?
Life happens — we know it. Reach out and let us know what's going on. We've been working with Monroe families through tough months since 1993, and we'd rather hear from you than guess.
Ready to get started?
Checking your options won't affect your credit score.