At The Citizens Banking Company, we know that you take borrowing seriously. That’s why our goal is to help you borrow wisely - while providing you with the loan options that meet your financial goals.
Obtaining the right type of financing is just as important as the reasons why you are borrowing. Would a personal term loan or a line of credit be the best way to pay for a wedding? How can one loan help consolidate your bills? What type of loan can help you add that extra room to your home?
A Citizens Bank lending officer can answer your questions about borrowing and help match you to the loan that is tailor-made to your needs.

Home Equity Loan	Use the equity you’ve built in your home to increase your borrowing power.
Home Equity Line of Credit	Write a loan anytime, anywhere.
Home Improvement Loan	Keeps your payments low while giving you the cash you need for repairs or additions.
Auto Loan	Sport or family, economy or performance, new or used, an auto loan puts you in the driver’s seat.
RV Loan/ Boat Loan	By land or sea, a new or used RV or boat loan lets you set sail for a great time.

Home Equity Loan - Because a home equity loan is secured, you normally get a lower rate than you would with other kinds of loans. You also can have easy-to-budget, low monthly payments, since your repayment term can be longer. There are many different home equity options available. A home equity loan is still tax deductible. (Consult your tax advisor regarding deductibility of loan interest.)

Home Equity Line of Credit - Using a home equity line of credit is as easy as writing a check. And you don’t have to apply for a new loan each time you borrow. You can write yourself a loan instantly-and only you know when you’re using your line of credit. It’s great for using in an emergency or purchasing goods where credit cards aren’t accepted.

Home Improvement Loan - Need some extra space in your home, or do you simply need to make a few repairs? Citizen’s Bank has several home improvement options that can help you make much-needed repairs to your home while keeping your monthly payments low.

Auto Loan - Comparing financing options is just as important as comparing car prices for the best value. Whether you’ve had your eye on a luxury, sports or family car, Citizens Bank can help put you in the driver’s seat. We’ll process your loan quickly so you don’t miss that special deal. Refinancing is also available! See how we might get you a better deal on that recently purchased new vehicle.

Boat Loan - Like to spend your family vacations on the water fishing, skiing or just relaxing? Citizens Bank offers competitive rates on boat loans with convenient terms and rate options.

RV Loan - If a vacation home on wheels is more your style, we also offer financing for recreational vehicles. Ask how we can help you to finance that special RV.

What could be easier than having your loan payment automatically deducted from your Citizens Bank checking account? You’ll never have to worry about forgetting to mail your payment on time.

At Citizens Bank, we want to make applying for a consumer loan easy. Please have the following information with you when you apply: verification of income - a current pay stub from your employer or current W-2 form (if you are retired or self-employed provide copies of your last two years’ tax returns), all bank account numbers, and outstanding loan balances.