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Citizens One Auto Finance

Citizens One Auto Finance

Compare between Citizens One Auto Finance and other vendors

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Pros
  • Easy application process
  • An industry leader in automotive financing
  • Various automotive shopping options
Cons
  • Does not support bad credit
  • High Annual Percentage Rate (APR)
Summary

Citizens One Auto Finance, a service offered by Citizens Bank, provides auto financing solutions designed to be flexible and customer-focused. Founded in 1828 and headquartered in Providence, Rhode Island, Citizens Bank is among the largest financial institutions in the United States, with a strong reputation for trust and reliability. Citizens One Auto Finance offers various loan options, including financing for new and used cars, along with refinancing and loan consolidation to potentially lower monthly payments. Previously offering indirect loans through dealerships, Citizens One has recently shifted its focus exclusively to direct lending, reflecting their commitment to personalized, relationship-based services. While Citizens One Auto Finance doesn’t provide preapproval for loans, they emphasize tailored financing, making it easier for customers to find suitable loan terms. Customers appreciate Citizens One for their streamlined online account management and transparency in lending terms. With competitive rates based on factors like credit score and loan amount, Citizens One Auto Finance has earned a positive reputation in the auto finance industry. Their trusted background, along with a range of services to meet varied financial needs, makes them a compelling option for those seeking auto financing through a well-established institution.

Quick Stats
  • Loan Terms : Up to 72 months
  • Minimum Accepted Credit Score : 640 - 800
  • APR : 6.52% - 15.28%
Selling Points
  • Easy application process
  • An industry leader in automotive financing
  • Various automotive shopping options
Multiple Financing Options
  • Undisclosed
    Lease Buyout
  • Loan Refinancing
  • New Vehicle
  • Undisclosed
    Private Party
  • Used Vehicle
Additional Services
  • Undisclosed
    Extended Warranty
  • Undisclosed
    GAP Insurance
  • Undisclosed
    Limited Warranty
  • Undisclosed
    Mobile Application
  • Online Account Management
  • Undisclosed
    Return Policy
Eligibility Requirements
  • Hard Credit Check
  • Undisclosed
    Income
  • Minimum Credit Score
  • Undisclosed
    Pre-qualification With Soft Check
Fees & Costs
  • Undisclosed
    Documentation/Processing Fee
  • Undisclosed
    Late Payment Fees
  • Undisclosed
    Origination Fee
  • Undisclosed
    Prepayment Penalties
  • Undisclosed
    Title Transfer Fee
  • Undisclosed
    Upfront or Application Fees
Payment Options
  • Automatic Payments
  • Undisclosed
    Cash
  • Undisclosed
    Check
  • Debit or Credit Cards
  • Undisclosed
    In-Person Payments
  • Mail-In Payments
  • Online Payments
  • Phone Payments
Customer Support
  • Articles and Videos
  • Undisclosed
    Email
  • Undisclosed
    FAQs
  • Undisclosed
    Help Guides
  • Live Chat
  • Undisclosed
    Phone
FAQs
How much can you borrow with Citizen One Auto Finance?
What credit score do you need for a Citizens One Auto Finance auto loan?
What APR does Citizens One Auto finance offer on their car loans?
What is the maximum auto loan term you can get with Citizens One Auto finance?