Personal loans. Real solutions.

For more than 25 years we have helped neighbors get the personal loans they need for medical bills, car repairs, home projects, seasonal, personal, and unexpected expenses. Planned or unplanned, whatever the reason or season, we’re here to help.

How Much Do You Need?

Slide the white button to the amount you need from $500 to $5,000, then click Apply Now!

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Why Choose Citizens Financial

LOCAL

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 for 25 years if they don’t take care of their customers!

SAME DAY

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!

RESPECTFUL

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!

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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.

1

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.

2

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 It should be current and not suspended or out of date.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!

3

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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See what our customers are saying...


Citizens Finance has been such a big help to me in my desperate times of need. Everyone is so nice and helpful. They truly care about their customers. Matter of fact, they treat you like family. Thank you Citizens Finance for everything!
K. Jackson • Customer
Thank you all for the Get Well card. It's not often a company has such concern for a customer. It was a special treat! Citizens Finance is a company that goes out of its way to treat the customer special. I would never go anywhere else.
Anonymous • Customer
Would never deal with another finance company. They humanize their clients/customers. And on top of that, you can get free popcorn! It's a great company with extra special people. I wouldn't do business with anyone else.
D. Nolan • Customer

You have questions?

We have answers.


If you have additional questions, don’t hesitate to contact us. We’ll get back to you with an answer as soon as possible.
What is a personal loan?

A personal loan is an installment loan with a fixed interest rate that is repaid in equal monthly payments.

How do personal loans work?

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.

How much is my interest rate?

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.

How much can I apply for?

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.