About Us

Citizens Savings & Loan Corporation (Citizens) is one of Tennessee's oldest consumer finance companies with offices in Bristol, Chattanooga, Cleveland, Cookeville, Dayton, East Ridge, Franklin,  Hixson, Jasper, Kingsport, Knoxville, Johnson City, Lebanon, Maryville, Murfreesboro, Springfield, and Fort Oglethorpe, Georgia. Citizens began on November 24, 1917 as a general loan and savings company. While the savings and loan name has been retained for nearly 100 years, Citizens is not a savings and loan as they are known today. Citizens is a consumer finance company.


Citizens was opened by local people in 1917 to serve the loan needs of working class people. Citizens primarily makes secured and unsecured loans to individuals with less than perfect credit or collateral for personal, family or household purposes.  Automobiles and personal property are all acceptable as collateral for secured loans. Citizens also purchases retail installment sales contracts from various retail merchants.

Over the years, we have changed: We've expanded our loan services to better serve your needs.  We've added technology that makes loan approvals faster and easier.  We've opened new locations to make it easier for you to do business with us.

But in some very important ways, Citizens is just the way it was in 1917: Citizens is still independently owned and operated and we intend to stay that way.  At each office, you'll deal with local, experienced, and qualified people who are eager to help you with your loan request.  Loan approvals are made by people who know you and the community.  Most loan decisions are made by the branch manager. There is no waiting for an out of state person to approve your loan. At Citizens you'll receive the personal attention and service you deserve.

For nearly 100 years, lending money to help hard-working people realize their dreams has been our only business.  We have earned the trust of generations of area people through our commitment to provide honest, dependable, and reliable service before and after the loan is made.

A Better Business Bureau Accredited A+ Member since 1960.