Business Details
50+ Years
experience
Your Trusted Loan Partner in Chattanooga, TN
Citizens Savings & Loan has been a trusted provider of consumer loans in Tennessee and North Georgia since 1917. Our company specializes in personal, auto, and bill consolidation loans for individuals with credit or collateral challenges. As one of Tennessee's oldest finance companies, we combine over a century of experience with modern technology to offer fast online approvals and local in-person service. Our team of experienced loan officers makes decisions at the branch level, ensuring personalized attention and quick approvals. We are a Better Business Bureau Accredited A+ Member since 1960, committed to fair lending practices and financial education.Our services include credit insurance products, extended auto warranties, and car club memberships to complement our loan offerings. With locations across East and Middle Tennessee and North Georgia, we serve customers within 50 miles of each branch. Our online application process allows for same-day loan approvals, and we offer flexible payment options for various financial needs. We focus on helping customers rebuild credit through tailored loan programs while maintaining our founding principle of community-based lending.
Services
Bill Consolidation Loans
Auto Loans
Personal Loans
Loans to Establish Credit
Credit Insurance
Details
- Year established: 1917
Highlights and features
- Over 100 years of lending experience in Tennessee communities
- Better Business Bureau Accredited A+ Member since 1960
- Local branch managers make quick loan approval decisions
- No minimum credit score requirements for loan approval
- Combines online convenience with in-person local service
Associations and certifications
- Better Business Bureau
What people say
Best staff
Professional and friendly
Excellent service
Quick approvals
Supportive during hardship
Services
Bill Consolidation Loans
Our bill consolidation loans combine multiple debts into one manageable payment. This service helps customers reduce monthly payments by using vehicle equity or personal property as collateral. Customers benefit from simplified debt management and potential interest rate reductions.
Auto Loans
We offer new and used auto loans with competitive rates for Tennessee and North Georgia residents. Our pre-approval process helps customers negotiate better dealer prices while providing fast financing options. Loan amounts range from $1,000 to $30,000 or more based on vehicle value.
Personal Loans
Our personal loans provide quick access to funds for various needs including medical expenses, vehicle repairs, or vacations. With amounts from $1,000 to $4,000 and same-day approval options, these unsecured or secured loans offer flexible repayment terms tailored to individual financial situations.
Loans to Establish Credit
These specialized loans help customers build or rebuild credit through reported payments to major credit bureaus. With no minimum credit score requirements, our credit-building programs include structured payment plans that help improve credit scores over time through responsible repayment.
Credit Insurance
We offer comprehensive credit insurance products including life, disability, and unemployment coverage. These protections ensure loan payments continue during financial hardships while safeguarding collateral assets. Our insurance options provide peace of mind for borrowers and their families.
Questions
What types of loans do you offer?
We provide personal loans, auto loans, bill consolidation loans, and credit-building loans for customers with various credit profiles in Tennessee and North Georgia.
Can I apply for a loan online?
Yes, we offer a quick online application process with same-day approval options for all our loan products.
Do you require minimum credit scores?
No, we don't have minimum credit score requirements and work with customers to find suitable loan options regardless of credit history.
How quickly can I get loan approval?
Many customers receive approval the same day they apply through our streamlined online process or in-branch evaluations.
Are you a local lender?
Yes, we're independently owned with local branch managers making lending decisions for Tennessee and North Georgia communities since 1917.
What areas do you serve?
We serve East and Middle Tennessee and North Georgia with physical branches and loan services available within 50 miles of each location.
