Citizens Savings & Loan Corporation is one of Tennessee's oldest consumer finance companies with offices in the Eastern and Central Tennessee markets as well as North Georgia. Citizens began on November 24, 1917 as a general loan and savings company. While the savings and loan name has been retained for over 100 years, Citizens is not a savings and loan as they are known today. Citizens is a consumer finance company specializing in personal loans Citizens was opened by local citizens in 1917 to serve the loan needs of people who have limited access to bank credit. Citizens primarily makes secured and unsecured loans to individuals with less than perfect credit or collateral for personal, family or household purposes. Automobiles and personal property are all acceptable as collateral for secured loans. Citizens also purchases retail installment sales contracts from various retail merchants.
Over the years, we have changed as we have expanded our loan services to better serve your needs. We've added technology that makes loan approvals faster and easier; you can even use our convenient online portal from almost any electronic device! We've also opened new locations to make it easier for you to do business with us.
But in some very important ways, Citizens is just the way it was in 1917. Citizens is still independently owned and operated and we intend to stay that way. At each office, you'll deal with local, experienced, and qualified people who are eager to help you with your loan request. Loan approvals are made by people who know you and the community. Most loan decisions are made by the branch manager and there is no waiting for an out of state person to approve your loan. At Citizens you'll receive the personal attention and service you deserve!
For over 100 years, lending money to help hard-working people improve their quality of life has been our only business. We have earned the trust of generations of area people through our commitment to provide fair, dependable, and reliable service before and after the loan is made.
We look forward to meeting you and your financial goals
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154