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Personal Non-Real Estate Loans

You've got a plan for the future and we've got a plan for you

Auto

Citizens State Bank is here to help you find your perfect loan solution with individual attention, competitive rates and local decisions.


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College

Choosing a college or university is a hard enough decision without adding the pressure of figuring how to pay for it. Be in control of your educational foundation, future and finances.

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Other Loans

Invest in your wants or needs with a personal loan - take a dream vacation, purchase a special item or pay for an unexpected expense. Our Loan Specialists will provide you with individual attention to help you choose from our personal loans and lines of credit.
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Citizens State Bank is your Local Lender

Non Real Estate Loan Details

New Auto*

  • Rate: Fixed
  • Maximum Term: 72 Month
  • Maximum Advance: 125% of the appraised value or cost**
  • *Vehicle must have less than 15,000 miles **Whichever is less.

Used Auto*

  • Rate: Fixed
  • Maximum Term: 60 Month
  • Maximum Advance: 125% of the appraised value or cost**
  • *Vehicle cannot have more than 75,000 mile **Whichever is less.

Boat

  • Rate: Fixed
  • Maximum Term: 60 Month
  • Maximum Advance: 80% of the appraised value or cost*
  • *Whichever is less.

Goods

  • Rate: Fixed
  • Maximum Term: 60 Month

  • Maximum Advance: 125% of the appraised value or cost*
  • *Whichever is less.

Other Loans

  • Rate: Fixed
  • Maximum Term: Varies depending on the appraised value or cost of collateral
  • Maximum Advance: Varies depending on the appraised value or cost of collateral*
  • *Whichever is less.

Lines of Credit

  • Rate: Fixed
  • Maximum Term: 36 Month

  • Maximum Advance: Varies depending on the appraised value or cost of collateral*
  • *Whichever is less.

HAVE QUESTIONS ABOUT YOUR PERSONAL LOAN?

It’s natural to have questions about the loan process and outcomes. The brief FAQs below will help answer your questions; however, if not, feel free to contact one of our Loan Specialists. They will be happy to help you in any way possible.

There are several ways to gauge how much you might be able to borrow. Our simple loan calculator can help for basic loans - click here. Or our auto loan calculator can help you determine monthly payments based of the amount you need to borrow - click here. Or contact one of our seasoned and knowledgeable Loan Specialists. They’ll be happy to discuss your options with you and answer any questions you have.

Pre-qualification can be a complicated process. In order to make your life easier offer personalized consultations to determine how much you can borrow. Contact one of our Loan Specialists.

There is a $65.00 administration fee on all personal loans in addition to all costs incurred on your behalf. If you have any questions in regards to these fees please contact one of our Loan Specialists.

The rate you will be offered is based on the type of product you're applying for, your credit score and other financial information. Without this data we cannot estimate the rate you will qualify for. If you would like a more information, please contact one of our Loan Specialists.

Contact:

Kathy Carruth
East Texas Loan Specialist
Email: kcarruth@citizensbank.net
Phone: 409.283.2561 Ext. 2303
NMLS: 591655

Trey Allison
Loan Manager
Email: tallison@citizensbank.net
Phone: 409.283.2561 Ext. 2305
NMLS: 591664


For general inquires please call 877.621.7658 or email us at: csb@citizensbank.net

Citizens State Bank, your lending partner!

Financial Calculators


For your convenience, several financial calculators are provided below.

Auto Loans

Use this calculator to determine your potential loan payments based on an automobile’s price.

Click here

Buy vs. Lease

Trying to decide if you should buy or lease an automobile? This calculator will help you determine which is better for you.
Click here

Simple Loan

Enter your desired payments and this calculator will provide you with an estimated loan amount, or
vice versa.
Click here

Loan Comparison

This calculator will help you compare monthly payments, fees and other associated costs for different loan options.
Click here

Payment Options

Use this calculator to determine your potential loan or line of credit.

Click here

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