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Citizens One auto loans review

Last updated:  

Available through a network of dealerships — but you won't find details online.

  • Best for someone who doesn't mind financing through a dealership.
  • Pick something else if you want to know about fees, repayment terms or APR in advance.

Not stated



Product NameCitizens One auto loans
APRNot stated
Interest Rate TypeFixed

Review by

Rhys Subitch is a writer and editor at Finder who tackles topics across the site. With half a decade of experience researching, editing and writing for a Fortune 500 company, university and several independent publications, Rhys brings readers the most up-to-date and curated info on all things finance.

Expert review

Citizens One is a division of Citizens Bank. It offers auto loans through a network of dealerships across the US. But it doesn’t provide financing directly through its site, so you won’t find any information about fees, rates or terms when you log on to its website.

You also can’t get preapproved before you get to the dealership. And since its dealership network list isn’t available online, it’s difficult to specifically go after one that works with Citizens One.

It also doesn’t have a solid lineup of auto loan products — like refinancing, lease buyouts or private-party purchase financing — or solid customer reviews to fall back on. As of August 2020, it has less than 140 reviews total across its Better Business Bureau profile and Trustpilot, and poor ratings on both.

Before you try chasing down a Citizens One loan — or signing up for one at the dealership — check out your other options.

First, am I eligible?

Citizens One doesn't offer any information on what its requirements are. In most cases, banks expect the following:

  • Proof of income that supports the loan
  • Live in a state within its service area
  • At least 18 years old
  • US citizen or permanent resident

What types of car loans does Citizens One offer?

Citizens One only offers new and used auto loans. To buy a leisure vehicle like a boat, motorcycle or RV you'll need to look for other lenders. Likewise, you can’t finance a lease buyout or private party purchase with Citizens One.

Pros and cons

Before signing up for a car loan with Citizens One — or seeking one out — consider the benefits and drawbacks.


  • Network of dealerships across the US
  • Payments can be managed online
  • Over 1,000 Citizens Bank branches for in-person assistance


  • Poor customer reviews and a large number of complaints
  • No preapproval or online application
  • Rates, fees and terms are unavailable online
  • Unavailable in 23 states

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How do I apply?

Approval is only through dealerships within the Citizens One network. There's no online or phone application available.

What documents do I need to apply?

While Citizens One doesn't provide a list of documents you'll need to apply, typically dealerships require the following when applying for financing in person:

  • Basic contact information including address, email and phone number
  • Social Security number and date of birth
  • Driver's license
  • Proof of insurance
  • Proof of income, such as bank statements, pay stubs or W-2s

A down payment might also be required.

How do repayments work? 

You can manage your repayments online by setting up an online banking account with Citizens One. If you can, sign up for auto payments to avoid late payments. But even if you enroll in autopay, make sure to keep an eye on your account. Call 866-999-0270 to get in touch with Citizens One customer service if anything looks off.

You can also make one-off payments online, by phone, by mail or in-person at a branch.

You should know exactly what you're getting into before you hit the road. Explore our guide to car loans to make sure you’re getting the very best deal. 

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