Personal installment loans, plain and simple.

Your reasons for getting a loan might be complex. But the loan itself? We think it should be simple. Fixed monthly payments, flexible terms, no hidden fees — and people who genuinely want to help.

Getting started is easy, and it won’t affect your credit.*

How much do you need?

$500–$5,000 personal loans available

$1,500
$500$5,000
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*Checking your options won’t affect your credit score. Standard underwriting applies.

Why Citizens Financial

Three things that make our personal loans different.

01

Fixed payments and flexible terms.

Know exactly what you owe every month. Fixed monthly payments and set repayment terms mean no surprises — just a straightforward payment you can plan around.

02

A just-right loan amount from $500 to $5,000.

Whether you need a few hundred dollars for an unexpected bill or up to $5,000 for something bigger, we'll find the amount that fits your situation — not a number that fits our spreadsheet.

03

A lender that looks at more than your credit score.

We look at your full financial picture. Your income, your story, your needs. We believe you are more than a number — and we'll take the time to find out.

Apply NowCall 318.324.0011Loan FAQs

Three ways to apply — your choice.

We make it easy to apply however works best for you. No fuss, no pressure, no judgment.

Apply Online

Start your loan application online in minutes from anywhere. Quick, easy, and secure.

Get Started →

Apply by Phone

More of a phone person? Give us a call and we'll walk you through everything. Ask for Ms. Carrie or Ms. Julie.

Call 318.324.0011 →

Apply In Person

Come see us at 1909 Roselawn Ave., Monroe, LA. Our friendly team is ready to help you in person.

Get directions →

Get more than just funds with a Citizens Financial personal loan.

With fixed monthly payments and flexible terms, it’s easy to plan ahead and stay on track. Every payment moves you forward.

✓ Fixed monthly payment✓ Flexible repayment terms✓ No hidden fees✓ Local decision-making
Apply NowCall 318.324.0011

Checking your options won't affect your credit score.

How We Compare

Personal installment loans vs. other options.

See how a Citizens Financial personal loan stacks up against title loans, pawn shop loans, payday loans, and credit cards.

FeatureCitizens FinancialOther Lenders
Affordable fixed monthly payments
Reviews credit history & ability to repay
Same-day decisions
Flexible use of funds
Average loan terms6–24 months6–24 months

Source: Company filings, CFPB, Center for Responsible Lending Report. Comparison is for illustrative purposes only.

Got Questions?

Personal Loan FAQs

Learn more about personal installment loans (and more).

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Let’s see what you can do with the credit score you’ve got.

Want to apply for a personal installment loan without tripping over your credit score? We make it simple — looking at your full financial picture to match you with the loan that’s right for you.

Apply online anytime at Citizens-Finance.com — or come see us at 1909 Roselawn Ave., Monroe, LA 71201.

Get StartedVisit Our Office

Checking your options won't affect your credit score.

“Feels like talking to someone you’ve known for years.”

— Paula S., Citizens Financial customer

★★★★★5.0 stars · 360 Google reviews