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Citizens Auto Finance

Citizens Auto Finance

 3.9/5 (97 ratings)
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  • 1 stars
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About Citizens Auto Finance

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Citizens Auto Finance, a division of Citizens Bank, offers car loans through dealerships across the country. However, it doesn't issue auto loans directly to consumers, and it doesn't offer preapproval. After receiving a Citizens auto loan, you can manage your account online. Interest rates depend on your eligibility.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Pros

  • Part of Citizens Bank
  • Online account management
  • Partners with dealerships

Cons

  • Not transparent about rates
  • No preapproval

Bottom Line

Citizens Auto Finance is a division of Citizens Bank. It offers vehicle financing through dealerships across the U.S. There’s little substantial information on its website, and it’s not easy to explore options from home.

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What is Citizens Auto Finance?

Citizens Auto Finance is the auto financing division of Citizens Bank, which is the 13th largest bank in the country at the time of publishing. It provides financing for both new and used cars. However, Citizens doesn’t offer financing directly to consumers. Instead, financing is only available through partner dealerships.

Because of this, Citizens Auto Finance’s website is sparse on information. Citizens also doesn’t offer preapprovals or online applications, which makes shopping around for the right deal a challenge. You have to talk to a dealership to find out information on rates, terms and loan amounts. This means you might not know the available rates until your information is submitted.

How does Citizens Auto Finance work?

Citizens Auto Finance only works through dealerships. To find a dealer near you, Citizens has a 1-800 number to call. Once you find your local dealership, you can call for specific information on financing a new or used vehicle.

The dealership will likely require a credit check before submitting your application to several potential lending institutions, including Citizens. The dealership should then present you with various options.

If you choose to move forward with Citizens, you will be able to access your auto loan online to make payments. You can also pay by check through the mail.

Citizens auto loan rates

Citizens does not have any specific information about rates on its website, and APRs vary depending on the dealership you choose. However, it does provide guidelines about auto loans in general, stating that average interest rates are between 4% and 6% and that rates typically depend on:

  • The lender
  • Your credit score
  • The size of your down payment
  • The length of the loan

There’s no information on its website about its own APRs, loan terms or other associated charges.

Citizens Auto Finance FAQ

Where is Citizens auto financing available?
Citizens partners with more than 6,000 dealerships across the U.S., including in areas where Citizens Bank doesn’t have branches.
Does Citizens have low auto financing rates?
It’s hard to say. Since Citizens doesn’t directly work with consumers, there is very little information about its rates online. To find out what rates are available, contact your nearest Citizens partner dealership.
Can I qualify for Citizens auto financing online?
No, there’s no option to inquire about or apply for preapproval with Citizens on its website. To qualify, you have to contact a Citizens partner dealership.
What are the requirements for Citizens auto financing?
Citizens doesn’t publicly specify what its requirements are for auto financing. However, according to the Federal Trade Commission, it’s not uncommon for dealerships to pull your credit score and request your:
  • Social Security number
  • Date of birth
  • Address
  • Job history
  • Gross monthly income

Is Citizens Auto Finance good?

It’s difficult to know whether Citizens Auto Finance is good — there's very little information about the company’s offerings online. Citizens' website doesn’t have much insightful information about its auto financing, except that it partners with dealerships. It does have the benefit of a well-known name behind it, but there are other lenders that are more transparent and easier to compare as you look for the right loan. As always, shop around and check all your options before committing to one brand.

Citizens Auto Finance Reviews

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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: Dec. 21, 2020

I refinanced my truck after being completely fed up with Citizens and first they lost the $18,000 check and then my new institution issued a new one. They then had to get a supervisor involved bc they marked my payment as late even though it was their fault. The new company and myself have been trying for 4 months to get a lien release and still do not have it. The customer service has no clue what's going on and doesnt help. They won't fax or email and refuse to send me a copy of the letter. Seriously the worst company ever. Highly recommend everyone stay away from them.

3 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 15, 2020

I purchased my vehicle in 2013... I made on time payments for years. I ran into some financial difficulties after a workplace accident left me without a job and another time when I was laid off due to COVID19. I called to explain my situation and try to get my payments reduced or get a extension. They would not help. Period. They repossessed my car 2 times and I had to get it out. The people they work with to repossess cars come from as far away as possible and are not the most scrupulous of people. They, Citizens One, claims they don't know the companies that do the repossessing for them, therefore, they have no control of who picks up and takes your car. I had to call the cops on one lady as she would not release my car after payment.

The people damaged my car and would not pay for repairs to it. They messed the computer in the car up to the point where it had to be reset. The other company resided in ANOTHER state! That was fun getting my car back. A 2+ hour drive to go and get my car! Did Citizen's One care what happened when the vehicle was out of my possession... No they did not. They were hateful and unhelpful. They wouldn't even tell me where my car was being held until I paid them off. Further, now the car is 100% paid for... back in July of 2020. Here it is mid-September and I still don't have the title.

I called this morning. They apologized for the delay, but aren't in any hurry to get it to me. I told them I wanted it FedExed, they told me they could request that, but that it could be denied and take 7-10 business days to get to me. I told them that was ridiculous. I wanted it FedExed today. I deserved that for being made to wait this long. I asked if someone could call me and let me know when to expect it (so I can be on the lookout) and I was told no one would call me back. Now THAT'S great customer service. But, that I could call back with my case number and follow up... with THEM.

How does this help me? I have a life, and I work a job, and this is just more stress for me to deal with in an already ridiculous situation. If you have choices on who you get a loan from, don't use these people unless you are desperate for a car loan and there is literally no one else you can use. 7 years is a long time to commit to a business relationship with a company that doesn't care about its customers or seek to help when there is a problem.

5 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 26, 2020

    We paid our vehicle off in end of October and it’s been 9 months still no lien release. Our bank has tried and we have tried and still have not received it. Terrible service and they aren’t willing to email it or fax unless it’s 24-48 hours for a fax. Still the fax is yet to be received.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 22, 2020

    From the outset, this company got everything wrong on my statements, including my name. After calling in to try and address the issue, I was told the situation was resolved, only to later see that was not the case. This happened four times so far. It seems that no matter who I talk to, the customer service folks here are completely incapable of completing the simplest of tasks.

    Recently, when I tried to make a payment with their new system, I also noticed that my monthly payment mysteriously doubled. I do not look forward to trying to navigate that issue with customer service, and anticipate needing an attorney to get to the bottom of these issues in the future. Had I known in advance that I would need to deal with this company for my auto loan, I would have never purchased a car in the first place.

    4 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Jan. 18, 2020

    WORST WORST WORST WORST WORST Customer service ever. They are refusing to pay me back money after my auto loan account was closed over a month ago. Was spoken so rudely too when inquiring when my check would be sent, for which they told me since my account was closed they can't send a check.. WHAT? SO horrific, do NOT use them!!!!

    6 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 16, 2019

    This bank is a joke. The customer service department is terrible. I was on hold for over 20 minutes and hung up on. I had to call back and was on hold for another 15. The whole process took over an hour! They owed me a $350 credit and “forgot” to send the check out. It is not 10 days before Christmas and I have a 3 year old daughter to shop for!!!! I am disgusted by this bank.

    8 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 11, 2019

    We financed a car with Citizen and then refinanced with another bank. For four months we reached out to them by phone and to a branch in person to request the title and got the run around each time. Finally, after a visit to the bank who paid the loan Citizen didn't send the title but sent a lien release letter. They'd never admit they lost it or whatever so just sent the lien release. WHY SHOULD THEY PAY THE $50 FEE FOR A DUPLICATE TITLE WHEN THEY CAN FORCE THE CUSTOMER DO IT??

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 10, 2019

    Citizens Auto finance, trying to get title company to send title to Florida so I can complete registration requirements. Citizens refuse to send title, they want me to use website Mytitlesupport.com. Motor vehicle in Florida will not accept title from them. Website have many complaints. They take your money but never follow through. Need someone help. My temp tag is going to expire on the 17 September 2019. This is my second temp tag. Help! Car is going to have to sit in yard, can't use no tags.

    6 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: July 22, 2019

    This company has been very helpful in trying to make sure I can pay my payments on time. They have moved my due date to accommodate me. Also they respond in a pretty timely manner for all the questions I have submitted online.

    3 people found this review helpful
    Rated with 3 stars
    Verified Reviewer
    Original review: July 17, 2019

    The interest rates I am charged is 7% even with a credit score of 781. I am on a fixed income and am a senior. Always have paid my bills, mortgage, never a late payment. I will try to refinance out of this at some point.

    3 people found this review helpful
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    Citizens Auto Finance Company Information

    Company Name:
    Citizens Auto Finance
    Website:
    www.citizensbank.com