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