The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 07/23/2021.
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
0
0
Citizens One
alishah_7 @alishah_7
Report Abuse
Verified Customer
no issues with this company at all Recommend them as a loan service customer service is easy to use and contact wish they had a better online account access
show more
show less
Product: Citizens One Mortgages
Comment
0
0
Citizens One
Denise @gingerdenise
Report Abuse
Verified Customer
Great to work with. Always someone available when I need them. My original loan locally was sold to them, but I have no complaints.
show more
show less
Product: Citizens One Mortgages
Comment
0
0
Citizens One
Michael @payedinfull
Report Abuse
Verified Customer
Citizens Bank is a large banking institution based primarily on the East Coast with additional locations in Ohio and Michigan. It offers full-service banking, including student loans, home and personal lending, and investment services. Founded in 1828, Citizens Bank is one of the nation's oldest banks. Awesome times...
show more
show less
Product: Citizens One Mortgages
Comment
0
0
Citizens One
Gregory @gregoryj_48
Report Abuse
Verified Customer
I’ve had Citizens bank for two automobile loans and they have not disappointed me. Great customer service and attentive to my needs
show more
show less
Product: Citizens One Car Loans
Comment
0
0
Citizens One
jamiedes @jamiedes
Report Abuse
Verified Customer
A miserable experience with hacks. They delayed our closing and forced us to get unnecessary flood insurance. I highly recommend using anyone else other than Citizens One.
show more
show less
Product: Citizens One Mortgages
Comment
0
0
Citizens One
basementrent703 @basementrent703
Report Abuse
I was paying a PMI on my mortgage loan. After the homes are being sold about $200K more from my purchase values in my neighborhood (the exact same models, not just one, but multiple ones), I requested for the appraisal to have the PMI removed. After so many requests, they finally sent an appraisal. After a week later, they sent me a result saying, my home is still about same value as they originally had. Even though we finished the unfinished area in the basement and had a small kitchen area in the basement. Basically, they just didn't want to remove PMIs and keep eating the fees from their customer. Pretty ugly service.
show more
show less
Product: Citizens One Mortgages
Comment
0
0
Citizens One
Elizabeth @sealsjane
Report Abuse
Verified Customer
They are always there when I have questions or anything else I need to know. If I were to buy again I would definitely go with Citizens One.
show more
show less
Product: Citizens One Car Loans
Comment
0
0
Citizens One
keithhaus33 @keithhaus33
Report Abuse
That should be a negative one. They could not even do an automatic withdrawal correctly and there is no such thing as Customer Service. Spent two days on the phone being switched between departments and hung up on four times. Run away from them.
show more
show less
Product: Citizens One Personal Loans
Comment
0
0
Citizens One
pmarywhite1 @pmarywhite1
Report Abuse
this bank and lending operation is a complete disaster .... and is the worst you will ever experience!!! Customer service is a joke....STAY AWAY!!!
show more
show less
Product: Citizens One Mortgages
Comment
0
0
+1 user submitted a rating without writing a full review
It takes 4 to 16 business days to get money from a Citizens One personal loan, in most cases. That includes both the time it takes to get approved and the time it takes for the funds to be delivered after approval. Keep in mind that this is a typical applicant's experience, and in some cases it could take longer.
How to Get Money From Citizens One as Fast as Possible
Fill out the application carefully. You should make sure that all information you enter on the application is correct and complete. That will eliminate any potential delays from Citizens One having to request additional information.
Check your credit report for errors. Before you apply, you should verify that everything on your credit report is accurate, as any incorrect negatives on there could impact your chances of approval. If you find any errors, you should dispute them right away to get them removed.
Get your credit score above the minimum. Ideally, you should only apply for a Citizens One personal loan once your credit score exceeds the minimum requirement of 680. That will make it easier for Citizens One to decide whether you qualify, which could lead to a quicker decision.
Once you get approved for a Citizens One personal loan, the money will be delivered through an electronic funds transfer to your bank account, which usually takes 1 to 2 business days.
