Personal.Loans.Local.
We've been serving Monroe, Louisiana since 1993 — personal loans built around your life, no matter your credit score.
Checking your options won't affect your credit score.
Borrow $500 to $5,000, usually with a decision the same day.*
What amount would help?
$1,000
Get StartedChecking your options does not affect your credit score.
Borrow close to home
Fixed monthly payments, a repayment plan set up around your budget, and loans from $500–$5,000 for car repairs, medical bills, school costs, paying off other bills, and more.
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Refer a Friend, Earn $50
Know someone who could use a hand? Send them our way. When their loan is approved, you get $50. It’s that simple.
Learn more→Personal loans, the Monroe way
We've made personal installment loans in Monroe since 1993: one fixed payment each month, on a term that works for you.
More Than a Number
We treat you like a person, not a credit score. We look at your income, your stability, and your story — not just a number. That way your loan fits your real life, and you walk out feeling heard, not judged.
Pick a Term That Fits
Borrowing should take pressure off your month, not add to it. So we sit down with you, go over your income and your bills, and set a payment you can keep up with. We'll talk through the term options and pick the one that fits your budget best.
No Surprises
Nobody should sign for a loan and get a surprise later. Before you sign, we walk you through every line and answer every question. Your Citizens Financial Services loan has one fixed monthly payment, so you always know where you stand.
Get Started
Checking your options won't affect your credit score.
Three things. That's all we need.
1Two most recent pay stubs
2A current bill with your address (utility, phone, etc.)
3Valid ID or driver's license
That's it. No mountains of paperwork. Bring those three things and we'll have an answer for you — usually the same day.
Let's Get Started
Checking your options won't affect your credit score.
360 Reviews · 5.0 Stars
What our customers are saying
“I've known Carrie for over 30+ years. She is one of the most helpful people you would ever want to meet.”
— Bobbie F.
“I had the best experience with Mrs Julie Sweet at Citizens Financial. She will help you with anything you need. I highly recommend her.”
— Monica H.
“Julie and Kevin and Carrie are so wonderful. They go the extra mile.”
— Gary C.
“Ms. Carrie helped me in my time of need even though I am done with bankruptcy — she gave me a second chance to rebuild my credit.”
— T.W.
“We also love the pups :)”
— Cody K.
Less than perfect credit? Come talk to us anyway.
A number on a screen doesn't decide things here. When you apply with Citizens Financial Services, we sit down with you and go over your income, your bills, and what you need the money for, right here in Monroe.
Checking your options won't affect your credit score.