- Time in Business
- Application approval
- Flexible use of funds
- Customer service options
Time in Business
It's a good sign when a company has experience in their industry, and Citerra lays claim on a decade of it. Having been around for 10 years, they've learned their customer base over time and established positive partnerships with lenders. This company stands out partially for their specialty in medical loans, as opposed to trying to companies who stretch themselves over multiple lending platforms with credit lines and cards.
Citerra makes getting a loan easy from the get-go. It doesn't cost a thing to apply for a loan, but what's more impressive is that they approve most loans within 10-45 minutes of receiving it! It can affect your credit score, mind you, but if it does, it only affects it by single digits.
Flexible use of Funds
Once you've been approved for a loan, you can essentially use the money at any medical facility. If your preferred provider is out of their network, they will just ask to see the doctor's license to make sure they are credible. Citerra and the bank that funds your loan will ultimately have to approve the use of your loan, but they don't place a lot of restrictions on eligible facilities.
Customer Service Options
Surprisingly, not every company in this industry is good at providing enough ways for customers to contact the company; some leave out phone numbers and others limit you to just an online contact form you submit. Citerra is actually pretty good at this though. Along with a contact form on their website, they provide a clear phone number, email address, fax number, online FAQs section, and outline of business hours.
You can easily make payments to your bank through an online portal or through check or autopay as well. Granted, the online portal you use will be specific to the bank that ends up funding your loan. This bank will be a great determiner of the customer service tools made available to you, since they will become the main entity you work with to pay off a loan.
The simplicity of this company extends into their application process, customer service options, and loan terms, and that works in the customer's favor overall. When finances can already get complex, it's nice to have a financial partner that makes the borrowing process intuitive.