Citizens Savings and Loan Corporation (Citizens) is East Tennessee’s oldest consumer finance company specializing in all types of consumer loans for people that may have credit or collateral challenges. Citizens has helped our customers with their financial needs and dreams since 1917. Citizens is not a savings and loan as they are known today. We are here to provide money to hard working people whose credit or collateral may be less than perfect.

 
At Citizens you are more than just a credit score. We know that often good people, and their credit, are affected by events beyond their control. This is why we do not require a minimum credit score for us to approve your loan request at Citizens. Contact us today. We will listen and do our best to solve your money needs.