Citizens Savings and Loan was founded in 1917 and currently has several offices in various cities in Tennessee. In the nearly century since its beginnings, Citizens Loans has stayed true to its roots of providing loans to customers at affordable rates. The lender caters its business to customers with poor credit and offers both secured and unsecured loans for a variety of uses. This lender sets itself apart from the competition by offering unique products such as extended car warranties and a car club membership in addition to personal loans. Improvements can be made in the area of communication from customer service to the customer.
loanDepot is a nonbank consumer lender that offers unsecured personal loans as well as mortgage refinance, home purchase, and home improvement loans in all 50 states. loanDepot operates under several brand names including loanDepot.com, imortgage, Mortgage Master, and LDWholesale. loanDepot was founded in 2010 by Anthony Hsieh and has headquarters in both Foothill Ranch, California and Plano, Texas. The company claims to be the second largest nonbank consumer lender in the United States with over 130 local branches and over 4,000 employees, including more than 1,400 licensed loan officers. All loans are issued by Cross River Bank in New Jersey.
Heights Finance provides a wide variety of consumer loans. The company strives to be able to provide loans for those with below average credit, as well as those who have gone through bankruptcy. However, poor customer reviews concerning customer service and billing problems cause a level of concern.
Founded in 1974, Service Loan South serves customers in Texas, Tennessee, Alabama and Georgia. The lender offers personal loans to customers who have fallen on hard times and who need short-term cash to help with immediate needs. In addition, the company offers tax help and financial education. The company is committed to giving back to the community and helping people get back on their feet following economic hardships. This lender excels in a personal commitment to its customers. However, a lack of loan options hurts its cause.
First Financial provides consumers with the ability to obtain small personal loans, auto loans, mortgages, cash advances, credit cards, and student credit cards based on income rather than credit. Consumers also using First Financial banking services have all the features of online banking available to them, including the ability to open a debit account or savings account. First Financial is providing those consumers who do not have credit or that have poor credit with the opportunity to obtain financing through their network of lenders.
Pioneer Services began over 25 years ago and has been serving the United States military for all its loan needs. Pioneer offers services for every branch of the military, including veterans, including a Customer Bill of Rights, and a 15-day risk-free guarantee. Through grants and in-kind contributions, Pioneer Services donates to many charities and military programs. The company has won numerous awards including the "Best Website - Banking and Financial Services" in 2013 and 2014. It also provides education about finances available (including financial podcasts) on its website.