Why choose Citizens Financial?
Citizens Finance has been serving Northeast Louisiana for over 25 years. As a local family-owned business, we put our emphasis on our customers and their satisfaction in doing business with us. Businesses don’t last over 25 years if they don’t take care of their customers!
When unexpected expenses arrive, you can’t wait two weeks for your next paycheck. You need money now. You can fill out the loan application online and see your rate today. Then, you can come by our office to pick up your check. It’s really that easy!
We always take the time to understand your unique situation and financial needs both past and present, and then go from there. We don’t charge maximum rates like our competitors. We strive to provide a personal loan that fits within your budget and creates a win-win situation!
What do I need to apply for a loan?
Okay. You’re ready to apply for a loan with Citizens Financial Services. You’re excited and we are, too! You only need a couple of things with you to complete your application here on our website. You’ll also need to bring these items with you when you come to our office to sign the official paperwork and pick up your check.
Proof of income
This is an easy one. Grab your last two 2 most recent pay stubs from your work, if you are paid every two weeks. This will show us where you work and how much you make in a 30-day period.
Current form of ID
This should be easy, too. The most basic form of ID that we need is your current driver’s license. It should be current and not suspended or out of date. Come on now, we’re trying to get you cash!
Copies of utility bills
These are easy, too. Bring us your last month’s paid utility bills. These can be from the electric company, gas company, or water company. A recent mortgage payment will work as well.
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You have questions?
We have answers.
A personal loan is an installment loan with a fixed interest rate that is repaid in equal monthly payments.
Personal loans with Citizens Financial Services are simple and straight forward. You apply for a loan and when you're approved, you receive the cash in one lump sum. You pay the money back in monthly installments over a specified time.
The interest rate on your personal loan is determined by several factors: your monthly income, your job history, your debt-to-income ratio and your previous record for paying other loans back. The interest rate is personal to you.
You may apply for a personal loan amount from $500 to $11,000. Our loan officers will review your application information and work with you to establish a loan repayment schedule that actually works with your job and cashflow situation.