Get a loan that solve your needs.
Take the first step toward homeownership.
We’ll walk you through the Mortgage prequalification process, so you’ll know what you can afford.
Get your rate, and you could lock it in for up to 60 days.† These rates and monthly payments are based on a $300,000 mortgage. Lending limitations such as property state and loan amount may apply.
Rates shown include 0.125% autopay and paperless discount2
Save even more when you set up automatic payments from any checking account and enroll in electronic Mortgage billing statements.2
Undergraduate Student Loans
Let’s tackle next semester and make it the best one yet.
After applying for a Citizens Student Loan™, you may qualify for Multi-Year Approval. If eligible, prior to each academic year, simply log in to your account and request funds with no application and no hit to your credit score.
Applying with a cosigner (like a parent) could increase your chances of getting approved and with a lower rate.
Get a customer Loyalty Discount† if you have a Citizens Student Checking account or other qualified account. We offer an Automatic Payment discount† as well! With these discounts, save hundreds over the life of the loan.
Begin your application by getting your rate quote in about two minutes with no hard credit check. We’ll let you know if you qualify for Multi-Year Approval. Your rate quote is valid for 30 days.
Choose either a fixed or variable interest rate. Then pick the repayment option that best suits your needs. (TIP: Applying with a qualified cosigner† could increase your likelihood of getting approved and with a lower rate.)
Upload any supporting documents, sign your paperwork electronically, accept your agreement and you’re done!
† For additional information, please contact our live support chat or send us a mail.
*IMPORTANT INFORMATION
99% of Citizens Undergrad Booked Loans from 6/1/23 through 9/30/23 were cosigned.
Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer. Borrowers should carefully review federal benefits, especially if they work in public service, are in the military, are considering possible loan forgiveness options, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans. For more information about federal student loan benefits and federal loan consolidation, visit https://studentaid.gov/. We also have several resources available to help the borrower make a decision on our website including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review.
Citizens Scholarship: No purchase necessary. Void where prohibited. The Citizens Scholarship Sweepstakes is open to legal residents of the 50 United States, D.C., and U.S. Territories, who are 16 years of age or older, are students, or prospective students, or parents or legal guardians of students intending to enroll or enrolled at least half-time in an accredited undergraduate/graduate post-secondary institution. To be eligible for a chance to win the Citizens Building the Workforce of the Future Scholarship entrants must be from an underrepresented or a low-income community as described in the Official Rules. Sweepstakes begins at 12:00 AM ET on 7/1/24 and ends at 11:59 PM ET on 3/31/25. Sponsored by Citizens. See Official Rules for details.
Multi-Year Approval: Funds available for future use are subject to a soft credit inquiry at time of your next request to verify continued eligibility. After we make the initial Loan to you, you must continue to meet eligibility criteria to obtain additional funds under the Multi-Year Approval feature. Terms and conditions are outlined in the promissory note. Multi-Year Approval borrowers have a 99% approval rate on future requests for additional funds. The additional funds approval rate is based on the percentage of approved Multi-Year borrowers from Citizens between October 1, 2022 and October 1, 2023. The approval rate represents only borrowers who had previously accepted the Multi-Year Approval offer. Please Note: International students are not eligible for Multi-Year Approval.