Citizens Savings & Loan

Why Bill Consolidation May be Your Answer

Financial problems often occur when bills go unaddressed due to the oversight from having so many bills that come in each month.  From credit card bills to personal loan balances, the time needed to address each one can become overwhelming.  A bill consolidation loan however will allow you to combine all of your bills and monthly payments into a single convenient loan with a single lower monthly payment. 

At Citizens Savings & Loan, we have helped people achieve their financial dreams for over 90 years.  One way we help is by providing a financial solution through a bill consolidation loan for those looking to pay off high interest credit cards.  Our bill consolidation loans give you a lower interest rate and a longer payment term than your credit card and other personal loans.  This means you often are able to substantially reduce your total monthly payments and increase the cash you have to spend for other things.

Why Citizens?

Citizens Savings & Loan Corporation (Citizens) is one of Tennessee's oldest consumer finance companies with offices in Bristol, Chattanooga, Cleveland, Dayton, East Ridge, Jasper, Knoxville, Johnson City, and Murfreesboro. Citizens began on November 24, 1917 as a general loan and savings company. While the savings and loan name has been retained for over 90 years, Citizens is not a savings and loan as they are known today. Citizens is a consumer finance company.

Office Locations

If you are searching for a way to establish or re-establish your credit and are looking for a  loan provider in Tennessee, get started today by applying online or visit one of our convenient locations in Tennessee.


Ready to Start?
Pay Online