Personal Loans

Whether you're buying a new vehicle or equipment, or if you want to borrow money using your current possessions, Citizens National Bank offers a variety of terms, payment methods, and options. Our loan specialists are experienced in loans for collateral of all types. Most importantly, we guide you every step of the way, making the loan process simple and easy, so you can attain your personal goals.


What makes Citizens National Bank's Loan Officers different?

We aren't the kind of bank where loan officers' hands are tied by credit scores. Citizens National Bank looks at a variety of factors in loan determinations, including credit history and payment history, as well as our own history and relationship with our customers, the type of collateral being purchased or used, and the affordability of loan payments. Unlike other banks where loan officers may be unfamiliar with our area, CNB's loan officers are all local people who grew up in Southeastern Ohio and know this area well. Most importantly, since our loan officers are from this area, they want to help the citizens of Southeastern Ohio achieve their goals and dreams for both their personal satisfaction and the betterment of our communities. Below are some examples of personal loans:

Automobile Loans

  • Flexible repayment terms: up to 72 months for new vehicles and 60 months for used vehicles
  • Competitive fixed rates with discounts for residential loan customers and CNB auto-payment
  • Get fast approval time and quick loan processing for a variety of years, makes, and models


Recreational Loans

  • We accept a variety of collateral: motor homes/RVs, ATVs/four wheelers, motorcycles, and more
  • Get a fixed rate! Discounts are available for CNB auto-payment or existing mortgage customers
  • Quick approval time and speedy loan processing gets you on the road faster than other banks


Deposit Secured Loans

  • We accept a variety of collateral: motor homes/RVs, ATVs/four wheelers, motorcycles, and more
  • Get a fixed rate! Discounts are available for CNB auto-payment or existing mortgage customers
  • Quick approval time and speedy loan processing gets you on the road faster than other banks


Other Personal Loans

  • Loans are available for other purposes, specifically for large purchases or debt consolidation
  • Fixed rates and flexible terms are still available for loans not secured by deposits or collateral


Community Employment Discounts

  • Employees of Morgan and Franklin Local School Districts and Miba receive additional benefits!
  • Get special breaks on both residential and personal loan rates with CNB auto-payment
  • Receive discounts on other services, including safety deposit boxes, wire transfers, and more!
  • Lower minimum deposit required ($100) for higher annual percentage yield on IRA!*


*Contact a loan or credit officer regarding personal loans for more information: 1-800-733-6595.