Personal Loans


The money you need to move your life forward

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Get on the road
 
Flexible Vehicle Loan terms lead to manageable monthly payments for cars, trucks and SUVs.
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When life gets serious
 
Personal Loans can help you cover repairs, make needed purchases or consolidate debt.
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Let's keep it simple
 
Pay for a motorcycle, RV, new appliances or nicer furniture with an affordable Simple Secured Loan.
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Competitive Rates
 
Competitive rates and flexible repayment terms




We'll always go the extra mile

A car, truck or SUV is likely your second biggest purchase, just behind your home. At Citizens State Bank, our competitive rates help you get from place to place without putting a big dent in your monthly budget. Life also brings other major expenses, and our affordable Personal Loans can help you cover everything from medical bills and roof repairs to new appliances and family vacations.
 
 

Vehicle Loans

  • Loans for new and used cars, trucks and SUVs
  • Financing for boats, motorhomes, campers and motorcycles
  • Flexible payment plans that fit your finances
  • Make convenient payments by scheduling automatic transfers from your checking account
 

Personal Loans

  • Loan amounts starting at $1,100
  • Competitive rates and flexible repayment terms
  • Fixed-rate loans mean your monthly payments won't go up
  • Funds can be used for a wide variety of purposes
  • Ideal for consolidating higher interest loan or credit card debt
  • Make convenient payments by scheduling automatic transfers from your checking account



































Frequently Asked Questions

It’s helpful to have these documents on hand so that we can verify your income and credit history to keep your loan application moving smoothly. While specific requirements can vary, here’s what you’ll typically need to have on hand when applying for a personal, vehicle, or student loan:
    • Proof of Identity and Address – A government-issued ID (driver’s license, passport, etc.) and a utility bill or bank statement confirming where you live.
    • A Proof of Income – Pay stubs, bank statements, and/or tax returns.
    • Credit History – We will request permission to check your credit report or ask for additional documentation.
Not sure if a document applies to you or if you don’t have a specific document? Don’t worry; our team will be there to guide you through it. Additional information may be requested as needed.
There is no set time frame as it can come down to several different variables. If you have questions regarding loan status, turnaround time, etc., you can reach out to one of our lenders who will keep you in the loop!
There are several ways you can pay your loan:
  • In person at any of our seven locations with cash and/or check.
    • Payments can be dropped in the night drop after hours. The first lane of every drive thru has a night drop box. Payments will will be processed the next day.
  • Credit or debit card
    • Call our Note Department at 979-596-1421, come in or pay online by visiting csbtx.bank/portalpay. Credit/debit card payments do incur a fee.
  • Mail
    • Payments can be mailed to any one of our seven locations.
  • AFT
    • If you have an account with us, we can set up your payment to come out automatically every month.
  • ACH
    • If you have an account with another institution, we can set up your payment to come out automatically every month from them. The first payment will take up to two days to process.
  • Wire
    • Wire transfers are accepted for a $30 fee.