Financial Tips & Resources

Plain-language advice on loans, money, and life in Monroe — from the folks at Citizens Financial Services.

Calendar with a green checkmark on payment day
Managing a loan

Why on-time payments matter (more than you might think)

When you pay on time, more is happening than just checking a box. Here's what it actually does for you — and what to do if you can't.

Two arrows looping around a dollar sign
Managing a loan

Can you refinance a personal loan?

Yes — sometimes it's the smartest move you can make — and sometimes it's not. Here's how to tell the difference.

Two shields side by side, one secured with a lock, one unsecured
Loan basics

Secured vs unsecured personal loans

Two kinds of personal loans, in plain English. Plus the one we do at Citizens — and the one we don't.

Loan document with two signature lines
Getting a loan

Cosigning on a loan: the risks and benefits.

Helping a loved one get approved is a big deal. Here's what it really means to cosign — and what to think through first.

A small green sprout growing from a pot
Getting a loan

Loans for beginners: getting a first-time loan with no credit

Everyone starts somewhere. Here's how a first-time loan works when you don't have a credit history yet.

Suitcase with a sun in the background
Loan uses

Cover the Cost of Summer Vacation with a Personal Loan

Vacations are about the memory, not the math. Here's how a personal loan can take the stress out of getting away.

Got a question we haven’t answered?

Five minutes on the phone beats an hour of reading.

Call Ms. Carrie or Ms. Julie and we’ll talk you through whatever you’re trying to figure out — loan or no loan.

Call 318.324.0011Visit the Office