Citizens One

103 Reviews

Citizens One is the online lending division of Citizens Bank. Here are some key things to know about Citizens One:

2.7/5 average rating among users
A+ BBB rating
Offers personal loans, mortgages, home loans, auto loans, and credit cards

You can learn more from WalletHub’s full editor’s review of Citizens One personal loans as well as the Citizens One reviews from users below. ... show more

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Citizens One Reviews

The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 01/13/2023.

2.7

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WalletHub
May 10, 2020 • @WalletHub

editor's review

Citizens One Personal Loan Review

Citizens One personal loans offer very attractive APRs, at 6.79% to 20.88%, along with no fees of any kind and up to 84 months for payoff. The downside is that Citizens One currently doesn’t offer much funding, only giving loans of up to $5,000. In the past, they have offered as much as $50,000.

It’s good to note that Citizens One is the national lending division of Citizens Bank, and Citizens One loans are nearly identical to Citizens Bank loans. If you don’t live in a state that Citizens Bank services, you can get a loan from Citizens One instead.

Citizens One Personal Loan Review Highlights

APRs: 6.79% to 20.88%
Fees: None
Loan amounts: $5,000
Quickest funding timeline: As soon as 2 business days
Timeline for payoff: 36 to 84 months
Minimum credit score: 680
Other requirements for approval: 18+ years old, U.S. citizen or permanent resident, SSN
Pre-qualification: You can pre-qualify on Citizens One’s website.
Co-applicants: Allowed

Though Citizens One personal loans doesn’t offer a lot of funding right now, they have very good rates. Below, you can see how WalletHub rates Citizens One in our three major categories: Terms, Requirements & Application, and Reviews & Transparency.

Citizens One Ratings by Category

Terms: 4.4 / 5

Requirements & Application: 3.8 / 5

Reviews & Transparency: 3.2 / 5

Overall Score: 4.1 / 5

Product: Citizens One Personal Loans

Comment

Michael Osullivan
September 14, 2021 • @arlok4ever

Don't fall for this. Do yourself a favor and read all the bad reviews that this company has. Run from this company as far as you can from my own experience.

Comment

claytontucker1
January 13, 2023 • @claytontucker1

Citizen Pay in a criminal enterprise. We purchased an XBOX from Target who is also complicit. When we went to Target, we were informed that we must get a Citizen Pay charge card. They hid terms and make you pay for an extra fee for unlimited game access. The google search says "FREE" unlimited access. They never mention that they will bill you $347 extra for that immediately. It is a bait and switch. Target demands that you use Citizen Pay to buy their XBox's. It is utterly and totally disgusting. DO NOT DO ANYTHING with Citizen Pay. They misrepresent and are a credit destruction company.

Product: Citizens One Credit Cards

Comment

Rhonda
November 4, 2022 • @rhonda_burgess

Verified Customer

I like their online service to monitor my account. They give you so many options that you can choose from including paying off your loan early!

Product: Citizens One Mortgages

Comment

lisa
October 20, 2022 • @jerzeegrl63

Verified Customer

They incorrectly process payments and make it look like your late.still waiting for dispute resolution Would never use them again .

Product: Citizens One Car Loans

Comment

craig babb
September 9, 2022 • @Craig_r_babb

never received any notification through the mail, where to send a check, a website to go to to enroll in paperless pay, auto pay etc. finally did the leg work and enrolled in auto pay a week before my payment was due.. payment never came out.. late fee..
Following month, figured I messed up the auto pay so I made a payment a few days before the due date, then comes the due date and they take another payment over drafting my account.. They couldn't just wire the money back, they had to send a paper check that took 10 days to receive..
Had my local bank take over the loan
I have no loan with them, and they still took out the amount I would of owed them. they wont pay for the over drafts they've caused me.. I was enrolled in autopay and they didn't take the money out but charged me a late fee...

Customer service was no help in getting answers why this happened and if they'll cover the over draft fee they created by doing this.

WORST institution I've ever dealt with. PERIOD!

Product: Citizens One Car Loans

Comment

James
September 3, 2022 • @glock_shooter313

Verified Customer

I would like a lower interest rate. I have great credit and expect to get a lower rate in the near future. I would like to shorten the loan years too.

Product: Citizens One Car Loans

Comment

Elizabeth
July 2, 2022 • @emfall

Verified Customer

They are nice but long hold times won’t let you pay early and higher interest rates It’s really hard to get ahold of someone and you get transferred around a lot I still haven’t gotten my loan paperwork and I bought the car a month ago

Product: Citizens One Car Loans

Comment

Karin Basken
June 18, 2022 • @GerStub

I have to agree with many of the other reviews. First of, they don't send out statements so you end up not knowing when your payments are due and how much you owe.
Second, their customer service department and the recovery department are not on the same page and don't have the same information.
Each person you talk to gives you different information and even when you pay your loan off, you might get an email two months later that you still owe interest/finance charges that absolutely CANNOT be waived or written off.
My recommendation DO NOT get a loan through Citizen One EVER!

Product: Citizens One Personal Loans

Comment

Sylverainv
June 14, 2022 • @Sylverainv

Feels like they purposely send the wrong amount to cause late fees, I made my last payment but then I received another bill for an amount less then what the rep seen in their system. A late fee, I owe nothing on my principal or interest. To make matters worse Jose in finance tells me that “he won’t repeat himself”. They sound like they are underwater and purposely hang up in your face. What they are doing is immoral and they have horrible customer service.

Product: Citizens One Car Loans

Comment

liz lamatrice
June 13, 2022 • @lizoh

Absolute worst customer service and fraud department service. On June 4 I noticed 7 charges online for Google services that were not mine. It took 6 phone calls and 3 hours of holding before talking to a rep. I chose to close the card and I filed fraud complaint. Had to ask for confirmation number as rep was ready to end call. Today I received bill with the the 7 fraudulent charges still on. I now have been on hold for close to 20 mins. Tried 3 diff numbers again — I asked for a call back on one, and was told my wait time would be 30+ minutes on the other 2. This is, at first, laughable, but then unexplainable, and beyond horrible!! Stay away.

Product: Citizens One Credit Cards

Comment

Review Citizens One

Citizens One Offers

Car Loans

Credit Cards

Home Equity

Mortgages

Personal Loans

Student Loans

Citizens One Q&A(24 questions)

What are Citizens One's requirements for borrowers?

Upvotes

Grace Enfield, Content Writer

Citizens One's requirements include being at least 18 years old, having enough income or assets to make the monthly payments and having a credit score of at least 680+. You will also need to have a verifiable bank account to qualify for a Citizens One personal loan.

Citizens One Requirements for Borrowers

Credit Score: 680+
Income: $24,000
Age: 18+
Citizenship: U.S. citizen or permanent resident
Identification: Social Security number
Bank Account: Verifiable bank account
Residency: All states

Before you apply for any personal loan, it's a good idea to pre-qualify. While meeting all of the requirements gives you a good chance of approval, it's never guaranteed. To pre-qualify with multiple lenders at once, check out WalletHub's free pre-qualification tool.

What are Citizens Bank's requirements for borrowers?

Upvotes

Grace Enfield, Content Writer

Citizens Bank's requirements include being at least 18 years old, having enough income or assets to make the monthly payments and having a credit score of at least 660+. You will also need to have a verifiable bank account to qualify for a Citizens Bank personal loan.

Citizens Bank Requirements for Borrowers

Credit Score: 660+
Income: $24,000
Age: 18+
Citizenship: U.S. citizen or permanent resident
Identification: Social Security number
Bank Account: Verifiable bank account
Residency: 21 states and the District of Columbia

Are Citizens One personal loans legit?

Upvotes

Adam McCann, Financial Writer

Yes, Citizens One personal loans are legit because Citizens One is registered to do business in the states it services, which is a legal requirement to be a legitimate lender. Another reason why Citizens One personal loans are legit is that the lender has a rating of A+ from the Better Business Bureau.The company also is accredited with the Bureau.

Why Citizens One Personal Loans Are Legit

Citizens One is registered as a business in the states it services.
Citizens One has a Better Business Bureau rating of A+.
Citizens One has been around since 1828.
Citizens One has an average user rating of 2.8/5 on WalletHub.
Citizens One personal loans have a rating of 4.1/5 from WalletHub's editors.
Citizens One has a secure website, which you can tell by the fact that the URL has "https" in front of it.

While Citizens One personal loans are legit, they may or not be the best choice for you. It's important to compare the terms and requirements of Citizens One personal loans against your other options before submitting an application.

Does Citizens One do home improvement loans?

Upvotes

Rick Bormin, Personal Loans Moderator

Yes, Citizens One does home improvement loans. You can take out a personal loan from Citizens One and use it to pay for home improvement expenses, such as remodeling a kitchen, finishing a basement, putting on siding or many other projects. Citizens One does not specifically refer to their loans as “home improvement loans,” so you'll need to take out a general-purpose personal loan.

Quick Facts About Citizens One Home Improvement Loans

APR: 7.99% - 20.89%

Origination fee: $0

Loan amount: $5,000 - $15,000

Payoff period: 36, 48, or 60 months

Credit score required: 680

Before you apply for a Citizens One home improvement loan, it's a good idea to compare the offer to WalletHub's editors' picks for the best home improvement loans. That way, you'll be able to see how the offer stacks up against loans from leading competitors.

Does Citizens One offer medical loans?

Upvote

Grace Enfield, Content Writer

Citizens One offers personal loans that can be used to cover medical expenses. Citizens One's personal loans offer $5,000 - $15,000 in funding with an APR range of 7.99% - 20.89%, repayment periods of 36, 48, or 60 months and an origination fee of $0.

Citizens One Personal Loan Info

Loan Amounts: $5,000 - $15,000
Repayment Periods: 36, 48, or 60 months
APR Range: 7.99% - 20.89%
Origination Fee: $0
Credit Score Requirement: 680+

Before you officially apply for a loan, it's a good idea to see if you pre-qualify. You can use the free pre-qualification tool on WalletHub to estimate your approval odds and your potential rates with multiple lenders at once.

Most medical providers accept credit cards, and you may be able to get low-interest financing.

Citizens One Contact

Visit Website

888-333-0256

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