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Loans to make your dreams come true

Find the perfect personal loan to meet your financial goals at Citizens First Bank. Automobile loans, consumer loans, personal credit cards.

Auto Loans

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Auto Loans


You’ve come to the right place! We’ve got a fast approval process and competitive rates to get your motor running. Get ready to put your new car in drive. Apply for your loan online today

Apply Now!

Personal Loans

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Personal Loans


Ready to make your dreams come true? No collateral, no problem!

Apply Now!

Recreational Vehicles

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Recreational Vehicles


Everyone’s saving for something. Whether it’s a camper or boat that caught your eye, you have a goal in mind (or two or three!). We’re here to help!

Apply Now!


Portrait of Mary Temple
Portrait of Mary Temple

Branch Officer

Office: 563.519.0656

Personal Financing

Select your financial calculator below to begin.

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Car Affordability

Calculates the most expensive car you can afford.


Financial Information

Car Affordability Highest Monthly Payment you can Afford
Car Affordability Down Payment($)
Car Affordability Trade-in Value (If Any)
Car Affordability Loan Term
Car Affordability Interest Rate

Credit Card Payoff

Determines how long it will take to pay off credit card debt.


Card Information

Credit Card Payoff Current Balance
Credit Card Payoff Monthly Payment
Credit Card Payoff Interest Rate


Based on your financial details, the borrowing calculator determines how much money you can feasibly borrow and pay back.


Financial Information

Borrowing Payment Amount
Borrowing Number of Payments
Borrowing Interest Rate

Paying Off a Loan

Determines how long it will take you to payoff a loan.


Loan Information

Paying Off a Loan Purchase Price
Paying Off a Loan Down Payment Amount
Paying Off a Loan Payment Amount
Paying Off a Loan Interest Rate

Loan Payments

Determines the payment on a loan with a fixed rate.


Loan Information

Loan Payments Purchase Price
Loan Payments Down Payment Amount
Loan Payments Loan Term
Loan Payments Interest Rate
Loan Payments Trade in Amount
Loan Payments Trade in Payoff
Loan Payments Payment Frequency

Car Purchasing

Helps decide if an Auto Loan or Home Equity Loan is best for purchasing a car.


Auto Loan Information

Car Purchasing Price (pre tax)
Car Purchasing Loan term
Car Purchasing Interest Rate
Car Purchasing Cash Down
Car Purchasing Fees
Car Purchasing Sales Tax Rate
Car Purchasing Trade Allowance
Car Purchasing Amount Owed on Trade

Home Equity Loan Information

Car Purchasing Home Equity Loan Interest Rate
Car Purchasing Home Equity Loan Closing Costs
Car Purchasing Home Equity Loan Federal Tax Rate
Car Purchasing Home Equity Loan State Tax Rate
Calculator Information

The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.

Calculator Disclaimer

These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

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