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Personal Loan Services

Whether you are buying a car, making home improvements or simply making one of those purchases you've always wanted, Citizens First offers a broad range of consumer loan products tailored to meet your personal needs.


Auto Loan

If you are looking for a new or used vehicle, we provide competitive interest rates and repayment terms to fit your needs.

CD/Savings-Secured Loan

This type of loan allows you to borrow money against your CD or savings account while continuing to earn interest. Using your own funds as collateral usually results in a lower interest rate, and this type of loan is a great way to establish credit.

Line of Credit

This loan is a revolving line of credit that you can borrow from as often as you need up to your approved credit limit. You pay interest only on the amount you borrow.

Cash Reserve

A cash reserve is a line of credit that serves as overdraft protection for your checking account. If you write a check or make a transfer for more than what is available in your checking account, your cash reserve will cover it up to the cash reserve limit and help you avoid non-sufficient funds fees.


Ready to apply? Click here for a credit application

When complete, contact the Citizens First branch near you to make an appointment with one of our experienced lenders. All loans subject to credit approval.