What is the Citizens One Loan Online Service?
Citizens One Loan Online provides an easy and secure way to view your loan information online. With this service you can view your loan summary, transaction history, and make payments, all from the convenience of your desktop.

What information is needed to access Citizens One Loan Online?
Click on the "Sign In" button located at the top of the page. For self-enrollment, you need:

1. Last 4 digits of your SSN
2. The amount of your first loan payment. (This can be found on your receipt as well as in your Welcome email or letter)

1. Create a user name that is at least 4 characters long and has a maximum of 20 characters
2. Create a password that must be at least 8 characters long and has a maximum of 20; must contain both upper and lower case letters and at least one number. Spaces and special characters are allowed. The password cannot be same as the user name.
3. Create and answer challenge questions that will only be presented to you, if we do not recognize the device or computer you are using to access your account information; and
4. Your primary e-mail address for receiving electronic communications as discussed above.

How much does it cost to view my transaction activity online?
Citizens One Loan Online is a free service provided to you as a feature of the Citizens One Loan program.

What loan information can I see?
Citizens One Loan Online includes account summary information and your monthly payment activity.

I have multiple loans. How can I put them all under one login?
In the left hand navigation click "Add A Loan Account". You will need the following information in order to add the Loan:

1. Last 4 digits of your SSN
2. The amount of your first loan payment. (This can be found on your receipt as well as in your Welcome email or letter.)

Why can't I click the "Back" button on my internet browser window?
Using the "Back" button may result in the loss of data, page, or secured connection. Please avoid using any of the browser navigation buttons. Instead, only use the navigational links found on the left-hand side of menu or the links provided within the current screen.

How do I update my email, phone number, or address?
After logging in, go to the Loan Summary where you will see a link on the left hand side which says 'Update Contact Info'. Click on this link to update your information.

The credit card I use for this program was lost or stolen. What should I do?
If you have a missing credit card, report it immediately to your credit card issuer. You should be able to find the appropriate number on your monthly statement for that account. You'll then need to update the credit card used for your recurring monthly payment, or change to a recurring ACH payment from your checking or savings account.

Can I change the credit card used for my recurring billing?
Yes, you can update your credit card for recurring payments or change to a recurring ACH payment from your checking or savings account. On the left hand side, click "Payments" and follow the on screen instructions.

How do I make the payment that did not post to my credit card?
If a previous payment has failed, you can bring your account up to date in the "Payments" section of the site or by calling us at any time.

Who do I contact if I have a question about my online transaction activity?
If you have questions about charges to your account, transactions on your account or any other account information displayed on this Web site, please call us at any time at 800-964-7797.

Where do I send my payments?
Payments are billed directly to the credit card you have on record. You can update your credit card for recurring payments or change to a recurring ACH payment from your checking or savings account. On the left hand side menu, click "Payments" and follow the on screen instructions.

How do I view payment history on my account?
To view your payment history, click "Payments" on the left hand side menu, and follow the on screen instructions.

Can I change my monthly payment amount?
Your Citizens One Loan is an installment loan program and the monthly payment amount is fixed.

Can I change my billing date for my monthly payments?
Billing dates for this program are tied to several other potential program benefits. As such, dates can not be changed.

Do I get a paper statement with this product?
This product bills directly to your credit card on record. You will receive an email before your installment will be billed, and once it has been billed. All communications for this program are electronic.

How do I get a copy of my contract and terms and conditions for my Citizens One Loan?
If you would like to request a copy of the documents you previously e-signed for your Citizens One installment loan, please call us at any time.

What security measures does the Citizens One Loan website use?
We use advanced encryption techniques, including Secure Socket Layer technology, to protect the information you provide to us over the Internet. You can tell that the session is secure when you see a locked padlock displayed at the bottom of most browser windows. In addition, before displaying any transaction activity information online, we verify the identity of the customer, using the sign in or enrollment information.

Can anyone other than the account holder view account activity or make payments?
The information requested on the Sign In page is designed so that all account holders can enter the site and view their own account information, and make payments on their own, individual account.

How do I contact the servicing center?
To ensure you are provided the best possible customer service, please call 800-964-7797. We are available 24 hours a day, 7 days a week.

Who do I contact with questions about my product purchase?
For questions about your product, including your order or shipping status, please contact the retailer directly. For any questions about your loan, you are welcome to use this online service or call us at any time.

Do you offer any loan forgiveness or forbearance programs?
Given the short duration of the repayment term (24 months), and low monthly payments with the Citizens One Loan, there are no loan forgiveness or forbearance programs. It's important to make your monthly payments. If a loan becomes 30 days past due, we will report that information to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report and may have long-term implications for your credit worthiness.