Fast, flexible, and fully branded POS financing solutions from Citizens

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Our low- or no- integration solutions help impact your bottom line. Increase sales while decreasing the need for resources that cost you time and money.

At Citizens, we believe that Point of Sale (POS) Financing is more than just a way to pay. It’s an integrated part of your value proposition. Whether you are offering subscription based services, facilitating an upgrade, or even making a purchase more affordable, we have a customizable financing solution to deliver what you want and your customers need. It’s what we’ve been doing since we launched the iPhone upgrade program in 2015, and continue to do for national brands such as Microsoft and Vivint.

$164.4 B

In total assets

1100 +



winning assets

The Stability of a Bank with the Agility of a Fintech

When it comes to choosing a lending partner, Citizens delivers the best of both worlds. A forward thinking culture of innovation allows us to be digitally nimble—in product design, platform delivery, and integration. And you’ll have the comfort of knowing that every transaction is backed by a bank that has been in business for more than 150 years. The strength of our balance sheet allows us to lend without needing to raise additional capital, and we have experience delivering in all economic environments, not just the current climate.

We Specialize In the Verticals Where You Do Business

Consumer Electronics

Smart Home

Home Improvement 


Luxury Goods and Retail

Travel & Entertainment

Medical & Dental

Other vertical? Contact us!

Want to learn more about how POS financing can drive your bottom line?

Get Started Today

Get in touch to share more about your POS financing needs, hear more about our solutions, and see a live demo.