FIRST-IN-CLASS SOLUTION

A Product Designed to Support Subsequent Purchases

No one wants a one-and-done transaction with a customer. And Citizens knows how to help you get more. It’s why we developed the Citizens One Line of Credit to deliver the ultimate in product flexibility:

 

  • Prequalification via soft credit check
  • Instant credit decision
  • Initial and subsequent purchases supported under a single umbrella account
  • Dynamic line assignments based upon a consumer’s credit -OR- a line limit that we determine together
  • Detailed, integrated statements
  • Consolidated monthly payment amount
  • Automatic payment plan—with easy, mobile enrollment

The Pricing Flexibility You Need

Citizens offers different POS Financing pricing options that vary depending on your goals and objectives. Choose just one or combine them all with our unique promotional offer configuration.

0% APR

Choose this option to drive sales, particularly during new product introductions, seasonal sales, and more. The consumer pays 0% APR based upon the terms of the program, with the manufacturer or retailer paying a Merchant Discount Rate to Citizens.

Subsidized APR

Share the interest rate expense with your customer. The consumer pays an APR based upon the terms of the program, with the manufacturer or retailer paying a lower Merchant Discount Rate to Citizens.

Consumer APR

Here, the consumer pays a full APR based upon the terms of the program, with the manufacturer or retailer paying no Merchant Discount Rate to Citizens.

$164.4 B

In total assets

1100 +

Branches

AWARD

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.

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.