Licenses & Disclosures

About Your Firm Offer

This offer is for a secured personal loan through Citizens Financial Services (CFS). This offer of credit is extended because you meet certain criteria used by CFS. This personal loan is subject to the requirements listed in the section below.

Requirements

In order to qualify for a loan through CFS you must continue to meet the credit criteria used to select you for this offer. If your credit score has decreased in the last 60 days, you may be declined. You will also be subject to the following minimum requirements for final approval:

• You must be 21 years of age or older.
• Your monthly payment may not exceed 20% of your monthly income.
• You may not qualify for a loan if your current debt is more than 45% of your yearly income (Debt-to-Income Ratio).
• You must have sufficient collateral of equal or greater value than the loan as deemed by CFS.
• If using a car title, the title must be a Louisiana title in your name, owned outright.

Offer and Financing

CFS will provide financing options to all qualified consumers between $500 and $5,000 with APR (Annual Percentage Rate) ranges from 24% to 36% and up to 36 months. If you receive a loan your actual monthly payment will depend on the evaluation of your creditworthiness at the time you apply. This offer may be accepted only by the person identified in this letter and is subject to verification of your identity and information. Your verified income must support your ability to repay your loan. Your loan amount may differ depending on the loan purpose, income and creditworthiness (for example, credit score and credit history). Rates are based on many factors such as creditworthiness, collateral, and payment history.

Disclosure Statement

• Loan Amount Range: $500 – $5,000
• APR Range: 24% – 36%
• Term Lengths: 6, 12, 24, or 36 months

Example Payment Schedule

USA PATRIOT Act

The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you.

Loan Approval Standard

Loan approval and loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income, and availability of collateral). Not all applicants will qualify for a loan or for the most favorable loan terms. Standard underwriting applies.