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Life's big milestones (or unexpected mishaps) can put a damper on finances. Let us help you pay for the things in life that matter with an affordable personal loan.

For the fastest response, fill out the online application today. This process takes less than 5 minutes. You will be asked to create an account to keep your information secure.

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Have questions? Share your contact information with us and a team member will get back to you shortly.

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  • Competitive rates for a wide variety of personal needs:
    • Vehicle repairs or updates
    • Family vacation
    • Education expenses
    • Personal projects or startups
    • Personal home improvement loan
    • And much more!
  • Repayment terms customized to fit your unique needs
  • Local decision-making and processing in Northern Michigan
  • Friendly service from people you know

Get Started

Easily apply online by choosing the "Apply Now" button above or below!

  • Competitive rates for several ongoing needs
  • Accommodating repayment options
  • Conveniently meet needs as they arise; no need to apply for separate installations
  • Funds easily released via check
  • Local decision-making and processing in Northern Michigan
  • Friendly service from people you know
Ashley Waldie

Ashley Waldie

Consumer Banking Officer

Main Office

303 N. Main St., Cheboygan MI 49721

231-627-8314

231-445-2575

Ashley is available to serve you and all of your consumer lending needs. Whether you're looking for a new or used vehicle, an RV, a personal loan, or anything in between, she will work with you to ensure the best possible experience with Citizens National Bank.