CONSUMER LOANS - NON REAL ESTATE
Auto
Citizens State Bank is here to help you find your perfect loan solution with individual attention, for competitive rates and local decisions contact us today.
College
Choosing a college or university is a hard enough decision without adding the pressure of figuring how to pay for it. Be in control of your educational foundation, future and finances.
Other Loans
Invest in your wants or needs with a personal loan – take a dream vacation, purchase a special item or pay for an unexpected expense. Our Loan Specialists will provide you with individual attention to help you choose from our personal loans and lines of credit.
Citizens State Bank is your Local Lender
Non Real Estate Loan Details
New Auto*
Rate: Fixed
Maximum Term: 72 Month
Maximum Advance: 125% of the appraised value or cost**
*Vehicle must have less than 15,000 miles **Whichever is less.
Goods
Rate: Fixed
Maximum Term: 60 Month
Maximum Advance: 125% of the appraised value or cost*
*Whichever is less.
Used Auto*
Rate: Fixed
Maximum Term: 60 Month
Maximum Advance: 125% of the appraised value or cost**
*Vehicle cannot have more than 75,000 mile **Whichever is less.
Other Loans
Rate: Fixed
Maximum Term: Varies depending on the appraised value or cost of collateral
Maximum Advance: Varies depending on the appraised value or cost of collateral*
*Whichever is less.
Boat
Rate: Fixed
Maximum Term: 60 Month
Maximum Advance: 80% of the appraised value or cost*
*Whichever is less.
Lines of Credit
Rate: Fixed
Maximum Term: 36 Month
Maximum Advance: Varies depending on the appraised value or cost of collateral*
*Whichever is less.
Apply for a loan today.
HAVE QUESTIONS ABOUT YOUR PERSONAL LOAN?
It’s natural to have questions about the loan process and outcomes. The brief FAQs below will help answer your questions; however, if not, feel free to contact one of our Loan Specialists. They will be happy to help you in any way possible.
How do I estimate how much I might be able to borrow?
There are several ways to gauge how much you might be able to borrow. Our simple loan calculator can help for basic loans – click here. Or our auto loan calculator can help you determine monthly payments based of the amount you need to borrow – click here. Or contact one of our seasoned and knowledgeable Loan Specialists. They’ll be happy to discuss your options with you and answer any questions you have.
Can I pre-qualify for a loan?
Pre-qualification can be a complicated process. In order to make your life easier we offer personalized consultations to determine how much you can borrow. Contact one of our Loan Specialists.
What fees are involved?
There is a $65.00 administration fee on all personal loans in addition to all costs incurred on your behalf. If you have any questions in regards to these fees please contact one of our Loan Specialists.
What rate will I be offered?
Financial Calculators
For your convenience, several financial calculators are provided below.
Auto Loans
Click here
Buy vs. Lease
Click here
Simple Loan
Click here
Loan Comparison
Click here
Contact:
Bernice Coates
Chief Lending Officer
Email: bcoates@citizensbank.net
Phone: 409.283.2561 Ext. 2358
NMLS: 591665
Kathy Carruth
East Texas Loan Specialist
Email: kcarruth@citizensbank.net
Phone: 409.283.2561 Ext. 2303
NMLS: 591655
For general inquires please call 877.621.7658 or email us at: csb@citizensbank.net
Citizens State Bank, your lending partner!
