Serving Tennessee with Consumer Loan Services Since 1917

For generatations, our company has provided quick and easy loans to Tennesee and North Georgia residents. Citizens Savings & Loan is your trusted provider of consumer loans.

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Fuel Your Passion With Citizens

We offer financing for power sports, equipment, trailers, and more.

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Don't Let Bad Credit Stop You

Citizens Savings & Loan offers financial assistance when you need it most. Let us give you the fresh start you need to rebuild your credit.

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Hit The Road With An Auto Loan

Buying a car? Complete our quick online loan application and get pre-approved today.

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Personal Loans to Help with Life’s Biggest Milestones

Whether you’re moving, planning a wedding, or simply handling unexpected expenses, Citizens Savings & Loan can assist with a custom personal loan.

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Citizens Savings & Loan

Citizens Savings & Loan Corporation is one of Tennessee’s oldest finance companies providing consumer loans to people that may have credit or collateral challenges. You do not need a minimum credit score to receive a loan approval at Citizens Savings & Loan. For your convenience, we’ve created a simple online loan application to help you get started. We would also love to meet with you in person at one of our Tennessee and North Georgia office locations. Come see or talk with us today about a loan that is right for you!

* To be eligible for a E-Loan you must reside in Tennessee or Georgia.

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Service Areas and Locations

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Personal Loans

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Loans for Bad Credit

At Citizens Savings & Loan, we understand that managing finances can be challenging, especially with a complicated credit history. Our goal is to provide you with the financial support you need, whether it’s for consolidating debt, making a significant purchase, or addressing unexpected expenses. Our team will work with you to find a manageable and affordable loan option that fits your unique situation, helping you take on milestones with confidence.

Want to Learn More About Your Credit and Lending Options? We Have the Experience to Help!

Citizens Savings & Loan is committed to educating our customers about the wise use of credit. Citizens has been lending to people just like you for over 100 years… we have the knowledge and experience you are looking for to help!

If you would like to learn more about how to use credit, how to lower your total debt, or how to improve your credit score, please check out our resource page.

Financial Resources

What Our Customers Are Saying

The staff is the best! They have bent over backwards to help me in everyway possible. This good team of people are great and will do everything they can to help you out any way possible.

Andy C.
Knoxville, TN

The people have always been very professional and friendly. My husband and I have really appreciated the help they have provided us.

Lyndon and Edna C.
Bridgeport, AL

Thank you for all your excellent service and professionalism. It is always a pleasure to come in the office. The staff greets you with a smile and they are always courteous. The employees are easy to work with and can help me with any problem I have.

Arty T.
Chattanooga, TN