Citizens One Auto Finance Auto Loan Review


Rating: 7.8 / 10 (Very good)
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Citizens One Auto Finance is a subsidiary of Citizens Bank of Pennsylvania, that concentrates on loans for auto purchase. With over 6,700 dealerships across the United States participating in Citizens One Auto Finance programs, they can offer loans for both used and new cars.

How is Citizens One Auto Finance rated?

Breakdown

8/10
Loan Options
8/10
Application & Service
8/10
Qualification
7/10
Reputation

Overall Rating: 7.8 / 10 (Very good)

Citizens One Auto Finance is associated with a large number of dealerships nationwide, for the purchase of used and new cars and trucks. As a subsidiary of Citizens One Bank, customers can be assured of the backing that comes from a large, well-established lending institution. However, the large number of complaints regarding their customer service, coupled with the worrying lack of information online, can be warning signs.

Auto Loans & Refinancing

Loan Options - 8 / 10

Citizens One Auto Finance has virtually no information available regarding their loan options, apart from mentioning that they provide loans for the purchase of new and used vehicles at over 6,700 dealerships across the United States. For specifics, customers must contact the company directly via phone.

Types of Loans Offered

Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Loan Qualifications

Qualification - 8 / 10

Citizens One Auto Finance provides no information as to its loan requirements. Prospective borrowers must contact the company directly in order to obtain said information.

Application & Service

Application & Service - 8 / 10

Citizens One Auto Finance's application process can only be completed in person or over the phone, although they do offer options for making payments, accessing your auto loan, and managing your vehicle title via their website.

Citizens One Auto Finance Reputation & Reviews

Reputation - 7 / 10

Citizens One Auto Finance doesn't have their own Better Business Bureau entry, but falls under their parent company, Citizens One Bank, in turn wholly owned by The Royal Bank of Scotland Group. They have a D+ rating, with 97% negative reviews, and no presence on TrustPilot. Complaints center on an overall lack of customer service and issues with timeliness. Likewise, other online review sites, such as CreditKarma, also rate them poorly.
BBB Rating
D+
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
3
Number of BBB Negative Reviews
96
Date Collected
2017-12-27

Contact & Additional Information

Homepage URL
Company Phone
(800) 610-7300
Headquarters Address
1 Citizens Plaza, Providence, RI, 02903
Year Founded
1947

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