Consumer Loans are generally unsecured loans made for the purpose of purchasing an item or consolidating debt.

They are generally paid back over a period of time through monthly installments. Interest rates may be determined by credit score and the age of the item being purchased. In many cases, it may be cost-effective to combine multiple credit cards into one loan. Call one of our retail lenders today, or apply online.


  • Purchase a vehicle
  • Purchase recreational vehicle or boat
  • Purchase motorcycle or ATV
  • Consolidate debt

Payment Options

Never have a late mortgage payment with AutoPay!
You specify which account and what date you would like the payment to be automatically pulled from. You will receive a notice when the payment has posted so you may view it through CNB Online Banking. Complete the one-page form and drop it off at any Citizens National Bank office to enroll. Download the form here!

Set and forget it!
You may set up an automatic electronic payment yourself through CNB Online Banking. Simply designate which Citizens National Bank account you would like the payment to pull from and what date each month you would like the payment to be made. Learn more about CNB Bill Payment.

Payment flexibility!
Through CNB Online Banking, simply transfer money from your Citizens National Bank checking to your mortgage account each month. You decide what day you make your payment and it posts the same day if you make the transfer before 6:00 PM Monday-Friday. Learn more about CNB Online Banking.


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More Information

To learn more about our loan products and services, call:


Mon - Fri: 8:30 AM - 5:00 PM EST


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