How to Establish Credit

When you credit is less than perfect, you can find it very difficult and frustrating when looking to make certain purchases. The same can be said when you don’t have any credit history. At Citizens Savings & Loan, we have helped many not only re-establish credit, but we can also help establish credit history. For over 90 years, we have helped people reach their financial goals by offering a solution to their credit dilemmas.

Personal Loans
Taking out a personal loan is helpful when you need cash fast, and it also helps establish a credit history. We provide quick service to our customers looking for a personal loan. We often have personal loans ready the same day you phone one of our locations with your request. This quick turnaround gives you an opportunity to start building your credit history in a timely manner.

Automobile or Truck Loans
Before you talk to a dealer, talk to us first about an automobile or truck loan. Knowing how much money you can borrow in advance will help you negotiate a better price with the dealer, and it sets you off on a path of establishing a credit history. Below are some reasons why you should talk to us first:

Competitive rates and payments.
Immediate on-the-spot appraisal and loan approval available at each branch location.
Older cars and trucks accepted as collateral.
Quick, dependable service. Call ahead for even faster service.
No cost or obligation in talking to us first. Our people want to help you obtain a loan.
Local servicing of your loan. No out-of-town companies, strangers, or long distance calls.

If you would like to learn more about how to establish credit, contact us today or simply stop in and see us at one of our convenient locations.

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