Rick Bormin, Personal Loans Moderator
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To apply for a Citizens Bank personal loan, first decide which way you will apply (online, by phone or in person), then enter your personal and financial information on the application. Next, verify the accuracy of the information, submit the application and wait to receive a decision.
How to Apply for a Citizens Bank Personal Loan
- Decide which way to apply. You can apply for a Citizens Bank personal loan online, by phone or in person. Applying online is the best way because it typically offers the fastest decision.
- Enter your personal information on the application. Citizens Bank requires the following personal information on the application: your name, date of birth, Social Security number, address, phone number and email .
- Enter your financial information on the application. Citizens Bank requires the following financial information on the application: your income, sources of income, housing status, monthly housing payment and employment status.
- Double check the application for accuracy. To ensure that your Citizens Bank personal loan application gets processed as quickly as possible, make sure that all the information is correct and complete before you submit it.
- Submit your application. Citizens Bank will typically provide a decision on your application within 4 to 16 business days (for both approval and funding time).
If you are approved for a Citizens Bank personal loan, you will generally receive the funds within 1 to 2 business days after approval. After that, it’s your responsibility to make monthly payments until you have fully paid back your loan, including interest.
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