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
Borrow $500 to $5,000, whatever fits your need.
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 who sits down and hears you out.
We talk with you first. Your income, your story, your needs. We believe you are more than a number — and we'll take the time to find out.
Three ways to apply — your choice.
We make it easy to apply however works best for you. No fuss, no pressure, no judgment.
Apply by Phone
Rather talk to a real 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
We're at 1909 Roselawn Ave., Monroe, LA, weekdays 8 to 5. Come by and we'll sit down with you.
Get directions →
How We Compare
How our loans compare to payday, pawn, and title loans.
Pick an option below to see it side by side with a Citizens Financial personal installment loan.
Where these figures come from: Citizens Financial loans, our Loan Disclosures page. Payday loans, Louisiana Office of Financial Institutions, “Deferred Presentment and Small Loans (Payday Loans) – Consumer FAQs” (2023), La. R.S. 9:3578.3, and CFPB, “What is a payday loan?” Pawn loans, La. R.S. 37:1800 and National Pawnbrokers Association, “Why Do Consumers Use Pawnbrokers’ Services?” (2024). Title loans, CFPB, “Single-Payment Vehicle Title Lending” (May 2016). Buy now, pay later, CFPB, “Buy Now, Pay Later: Market trends and consumer impacts” (Sept. 2022). Credit cards, CFPB Regulation Z, 12 CFR 1026.2(a)(20) and 1026.51. Comparison is for illustrative purposes only.
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