Emergencies don't schedule themselves. Most of our customers come in already stressed — a transmission that just blew, a hospital bill that wasn't expected, a busted water heater on a weekend. The last thing you need in that moment is a long application, a credit-bureau interrogation, or a stranger in a call center reading from a script.
That's why we built Citizens Financial differently. We've been local in Monroe since 1993. Every decision is made right here — by Carrie, Julie, or Kevin — using your full financial picture. Most folks get an answer the same day. Less than perfect credit doesn't disqualify you. We ask about your life, not just your numbers.
Loan range
$500–$5,000
Personal installment loans with fixed monthly payments. No surprises.
Three things to bring
- Two most recent pay stubs
- A current bill with your address
- Valid ID or driver's license
That's it. Most decisions are made same day.
“They helped me when no one else would.”
“Quick help in a time of need. Very polite and caring company, makes you feel like more than just a customer!”
“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.”
Common questions
How fast can I get an emergency loan?
Most of our customers get an answer the same day they apply or come in. Decisions are made locally in Monroe — no waiting on a corporate call center.
Do I need perfect credit?
No. We look at your full financial picture — credit history, income, and ability to repay — not just a number. Checking your options with us won't affect your credit score.
How much can I borrow?
Personal installment loans from $500 to $5,000. Fixed monthly payments. No hidden fees, no surprise interest spikes.
What do I need to bring?
Two most recent pay stubs, a current bill with your address (utility, lease, etc.), and a valid ID. That's it.
What if I can't come in during the day?
Apply online at Citizens-Finance.com/Apply-Now any time, or text us at 318.228.2573 and we'll work around your schedule.
Ready to get started?
Checking your options won't affect your credit score.