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Citizens Review

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Michael Graw
Michael Graw
May. 03, 20214 min read

Citizens summary

Citizens is a national bank offering private student loans for undergraduate, graduate, law, and medical degree programs. International students can qualify with a US-based cosigner. You can choose your repayment plan, including whether you want to make interest-only payments or defer your payments. Citizens also offers multi-year loan approval, so you can get a new student loan each year of your program without a new application.

Pros

  • Flexible repayment plans
  • Multi-year loan approval
  • Loyalty discount for existing Citizens account holders

Cons

  • Rate not locked in for multi-year loan approval
  • Most branches are in the eastern US

Citizens Citizens Visit Site

Overview

Citizens is a Rhode Island-based bank that has been in business since 1828 and has more than 1,000 branches across 11 states. The bank offers private students loans for degree-granting programs across the country, including undergraduate, graduate, law, and medical programs. It has an A+ rating with the Better Business Bureau.

Suitable For?

Citizens is suitable for undergraduate and graduate students who are enrolled at least half-time in school. Its student loans offer competitive interest rates, especially if you already have a Citizens account and qualify for a 0.25% rate discount. Loans are available for undergraduate and graduate students, including students in law school and medical school.

Citizens serves not only US citizens and residents but also international students with a US citizen or resident co-signer. Since the bank accepts cosigners and allows deferred payments on private student loans, it is suitable for students with little income while in school.

Loan Features

Here are a few key features of Citizens’ private student loans:

  • Multi-year approval: You can be approved for annual loans for up to 4 years, so you don’t need to reapply and undergo a hard credit check at the start of every new school year.
  • Flexible repayment plans: Citizens enables you to choose between making payments immediately, making interest-only payments, or deferring payments until after you graduate.
  • Cosigner release: You can remove a cosigner from your loan after 36 months of consecutive payments.
  • No prepayment penalty: Citizens doesn’t charge fees if you pay off your student loan early.
  • Rate discount: Existing Citizens account holders receive a 0.25% rate discount.

The Application Process

You can request a quote for a private student loan online. Getting a quote does not impact your credit score.

If you want to proceed, you can apply at Citizens online or in person at a bank branch. You will need to submit proof of residence, proof of income, and proof of your enrollment in an eligible degree program. If you have a cosigner, they will need to submit proof of residence and income. You and your cosigner will also need to undergo hard credit checks.

Eligibility Requirements

Citizens requires borrowers to be US citizens or residents. International students can also apply but must have a US citizen or resident cosigner. All applicants must be enrolled for at least half-time in a degree program and have no previous student loan defaults. There is no minimum credit score required.

Loan Rates

Citizens offers rates from 3.48% - 11.34% APR, and existing Citizens account holders receive a 0.25% rate discount. Your rate will depend on various factors, including your credit score, whether you have a cosigner, how much you need to borrow, and what repayment plan you select.

Repayment Terms

Borrowers have 3 options to repay student loans from Citizens. You can start making payments immediately, make only interest payments until after graduation, or defer all payments until after graduation. Citizens offers flexible repayment terms.

How Safe Is It?

Citizens has been in business for nearly 200 years and has an A+ rating with the Better Business Bureau. The bank uses encryption and biometric tools to keep your online financial information secure.

Customer Service

Citizens offers customer support by phone, email, and live chat from 9am-4pm (ET), Monday-Friday. You can also visit one of the bank’s more than 1,000 branches to speak with a loan officer in person.

How Citizens Compares


CitizensCollege AveSoFi
APR3.48% - 11.34%
2.94%-12.99%2.99% to 10.66%
Minimum credit scoreNone640None
Loan amounts$10,000-$350,000$1,000-Full cost of degree$5,000-Full cost of degree
Accepts cosigners YesYesYes
Suitable forInternational studentsStudents with good creditStudents who want flexible repayment options

 

Summary

Citizens offers private student loans with rates from 3.48% - 11.34% APR. This bank’s offering is unique in that it’s open to international students with a US citizen or resident cosigner. In addition, you can be approved for an annual loan for up to 4 years, so you don’t have to reapply at the start of every school year. Citizens offers a selection of repayment options and doesn’t charge prepayment penalties, and you can manage your loan online.

Methodology

This review was created using information from the Citizens website and the Better Business Bureau.

Citizens Citizens Visit Site

Disclosures

ERL Variable Rate Disclosure: Variable interest rates are based on the 30-day average Secured Overnight Financing Rate (“SOFR”) index, as published by the Federal Reserve Bank of New York. As of May 1, 2022, the 30-day average SOFR index is 0.29%. Variable interest rates will fluctuate over the term of the loan with changes in the SOFR index, and will vary based on applicable terms, level of degree and presence of a co-signer. The maximum variable interest rate is the greater of 21.00% or the prime rate plus 9.00%.

Fixed Rate Disclosure: Fixed rate ranges are based on applicable terms, level of degree, and presence of a co-signer.

Lowest Rate Disclosure: Lowest rates are only available for the most creditworthy applicants, require a 5-year repayment term, immediate repayment, a graduate or medical degree (where applicable), and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Rates are subject to additional terms and conditions, and are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.

Student Loan Rate: Fixed interest rates range from 3.48%-11.64% (3.48% - 11.34% APR).

Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

Investors Bancorp, Inc. Loyalty Discount: To receive the Loyalty Discount for having a qualifying account with Investors Bancorp, Inc., borrowers must contact Citizens by telephone prior to signing the promissory note. Student loan borrowers please call (877) 291-6385 and education refinance borrowers please call (888) 411-2413.

Automatic Payment Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

Multi-Year Approval: Funds available for future use are subject to a soft credit inquiry at time of your next request to verify continued eligibility. After we make the initial Loan to you, we may refuse to allow you to take out additional loans under the Multi-Year Approval feature, terms and conditions will be outlined in your promissory note. Please Note: International students and non-citizens, including permanent residents, are not eligible to receive an offer for Multi-Year Approval.

Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents.

Student Loan Aggregate Limits: You may borrow up to the maximum qualified loan amount or the total cost of education, whichever is lower. Our student loan does have lifetime aggregate limits (including both federal and private loan debt) of: Undergraduate Degree: $150,000, Graduate Degrees: $150,000, MBA and Law: $225,000, Healthcare: $180,000 or $350,000 depending on your degree (Aggregate limits up to $350,000 for MD, DMD/DDS, OD, DO, DPM, PharmD, and DVM degrees. Aggregate limits up to $180,000 for cardiac perfusion, chiropractic, cytotechnology, nurse practitioner, occupational therapy, physical therapy, and physician assistant degree).

Student Loan Repayment: Student borrowers can make full payments or pay interest only while in school or defer payments until after graduation (interest continues to accrue during deferment periods).

Student Lending Eligibility Criteria: Applicants must be a U.S. citizen, permanent resident, or eligible non-citizen with a creditworthy U.S. citizen or permanent resident co-signer. For applicants who have not attained the age of majority in their state of residence, a co-signer is required. Citizens reserves the right to modify eligibility criteria at any time. Citizens private student loans are subject to credit qualification, completion of a loan application/Promissory Note, verification of application information, and if applicable, self-certification form, school certification of the loan amount, and student’s enrollment at a Citizens participating school.

Student Loan Eligibility: Applicants must be enrolled at least half-time in a degree-granting program at an eligible institution.

Student Loan for Parents Eligibility: The student whose education expenses will be paid for with the loan proceeds must be a U.S. citizen or permanent resident and must be enrolled at least half-time in a degree granting program at a Citizens-participating school.

Student Loan Repayment: Student borrowers can make full payments or pay interest only while in school or defer payments until after graduation (interest continues to accrue during deferment periods).

This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 10.32% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $207.25  while in the repayment period, for a total amount of payments of $24,869.86. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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  • author
    DEBBIE MONTALBANO
    a day ago
    Thank you Andy and Biz credit you guys

    Thank you Andy and Biz credit you guys Have made it possible to strive in business Since 1978 we have been pushing to continue To serve 7 generations. Thank you so much. Debbie

    ...

  • author
    Easy steps
    a day ago
    Paul is the best

    Paul is the best

    ...

  • author
    Jagdeep Nayyar
    a day ago
    very good team adjustable nice soft…

    very good team adjustable nice soft spoken always listen person like me who always shout to others thank you though

    ...

  • author
    VICKY DANG
    2 days ago
    NITISH PATEL HAVE GREAT CUSTOMER SERVICE

    NITISH PATEL HAVE GREAT CUSTOMER SERVICE

    ...

  • author
    Estelle Jones
    2 days ago
    Quick and easy process

    Quick and easy process

    ...

  • author
    Muhammad Ahmad
    2 days ago
    Nitesh Patel is highly professional and…

    Nitesh Patel is highly professional and committed person. we have very good experience during my process of loan. He is very efficient and well knowledeable in his work.

    ...

  • author
    Lashawn Norman
    2 days ago
    The loan process through Biz2Credit was…

    The loan process through Biz2Credit was simple and self-explanatory. The turnaround time was great and everything was explained in layman's term no hidden details. Saif had the best great customer service and he walked me through the entire process. If your business is needing funding this is the company to use.

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    Mary Santana
    2 days ago
    Great experience working with Rony

    Great experience working with Rony. Made the process simple and easy!

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    Mary Santana
    2 days ago
    Great experience working with Rony

    Great experience working with Rony. Made the process simple and easy!

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  • author
    Rocky Singh
    2 days ago
    Gary biz2credit

    Had a great experience with biz2credit. Gary helped me to get funds very fast without any problems thanks for all the help.

    ...

  • author
    luisa macabanti
    2 days ago
    I am happy for my recent funding

    I am happy for my recent funding. Spencer Bailey and his subordinates are very professional and really help to get you funded with great rates and longer term. I will recommended them based on my experiences with Biz2Credit. LLL stop n shop

    ...

  • author
    elisa lopez
    2 days ago
    Himanshu was great at helping me and…

    Himanshu was great at helping me and understanding every step of my loan they were quick and efficient I would definitely recommend them to any business owner looking for a loan !!

    ...

  • author
    Stephen Atchison
    2 days ago
    Sumit Kumar was just the greatest

    Sumit Kumar was just he greatest! Everybody on your team is fantastic and professional. We are very happy to work with Sumit and the Biz2Credit team!

    ...

  • author
    THE NICE FAMILY
    2 days ago
    Spencer Bailey

    Spencer; thank you. Your services was great. I look forward working with again. Thanks for everything Spencer Bailey

    ...

  • author
    Alik Cantstop
    2 days ago
    Big Thank you Paul Woods for the great…

    Big Thank you Paul Woods for the great and smooth experience. My first time working with Biz2Credit I thought it might be a difficult long process, Paul Woods made my experience and my company needs come true with short and smooth professional timing along with very flexible negotiation. I be referring you and your company to everyone I know. Thank you Again! Cantstop

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  • author
    Scott McAlister
    2 days ago
    Wanted to thank Kevin & Himanshu for…

    Wanted to thank Kevin & Himanshu for all the hard work they put in on our loan that we received very quickly after applying for. One of the easiest loan processes I have ever been through in 30 years. What a team effort to get us the capital that we needed right away. Thank you and please use them for your future expansions. First class service .

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  • author
    Nathan Pearcy
    2 days ago
    Anubhav was a huge help in getting us…

    Anubhav was a huge help in getting us though the process of securing the loan very fast.

    ...

  • author
    Kya Woodson
    2 days ago
    I applied for Business Credit …

    I applied for Business credit not knowing what to expect Mohd Danish was Amazing, he explained the entire process and always kept me updated real-time with the status of my loan. Thank you very much Mohd you are the best.!!

    ...

  • author
    Mohammed
    2 days ago
    Sajid was good in communication and…

    Sajid was good in communication and everything went smooth. Got the money we need and just the only thing was high was the fees they charge. Thanks

    ...

  • author
    Akash Patel
    2 days ago
    Tim Davis and spencer was so helpful…

    Tim Davis and spencer was so helpful and so quick to get me a funding in 3days and they answered my all questions anytime

    ...

  • author
    Danny Taylor
    2 days ago
    Jogeeshwar S Chakrapani was very good…

    Jogeeshwar S Chakrapani was very good at helping me secure 10,000 business loan for inventory cash flow. I recommend!

    ...

  • author
    Latoria McCauley
    2 days ago
    I was in need of Business loan to help…

    I was in need of Business loan to help build my business credit and Danish came to the rescue. He was efficient; communicative and went above and beyond. This made the process so easy and stress free. Keep up great work Danish

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  • author
    Modern Blinds
    2 days ago
    I had a great amazing experience…

    I had a great amazing experience through out my loan process, Aaron Smith helped me with the entire process and he was very thorough, honest, and very straight forward with all the details I can confidently say I will be getting my next business loan through biz2credit! The services is top tier and I have no complaints and that’s how life and these type of things should be very smooth and easy to understand.

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  • author
    mr williams
    2 days ago
    Very happy with the customer service…

    Very happy with the customer service and funding. Jordan was amazing

    ...

  • author
    Micale Dieudonne
    2 days ago
    Patrick Cole help me with my business…

    Patrick Cole help me with my business loan, he was very professional, helpful, and understanding. I would love to give more than 5 stars.

    ...

  • author
    Ramzan mosani
    2 days ago
    Austin ray helped for funding for the…

    Austin ray helped for funding for the 3rd time

    ...

  • author
    JASON BROWN
    2 days ago
    Outstanding support and service…

    Thank you Ron and the entire biz2credit team for being an integral part of my growth.

    ...

  • author
    Billy
    2 days ago
    Jason worked quickly to get us the…

    Jason worked quickly to get us the funding we needed.

    ...

  • author
    Praveen
    2 days ago
    The team at Biz2Credit has been very professional, courteous and quick with funding

    The team at Biz2Credit has been very professional and secured us funding for $1Million in just few days. What took us at-least 1 month to secure loan from bank earlier, Biz2credit makes it effortless with quick funding when we needed it. Sandeep Rajput has been working with us and coordinating with his team to make things happen so effortlessly. Sandeep has been courteous and professional and very easy to work with. Appreciate Sandeep's efforts and the efforts of the larger team in the whole process.

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  • author
    TWSC
    2 days ago
    Zameer was helpful and fast in getting…

    Zameer was helpful and fast in getting us funded.

    ...

  • author
    Deborah Huston
    2 days ago
    Aaron was a huge help in getting us…

    Aaron was a huge help in getting us though the process of securing the loan.

    ...

  • author
    Asif Hussain
    2 days ago
    I recently contacted biz2credit from a…

    I recently contacted biz2credit from a commercial on a Hindi channel. To my surprise the experience turned out to be a great one. All paperwork was done smoothly and I was assisted by Sajid. They keep a really to the point l, and professional way of working yet make it feel comfortable enough to advice and suggest you to make a better decision about your needs for your business. I was really happy to see that Sajid dived in into the information and made every step really easy and understandable and funded me. I would highly recommend them to anyone with need for funding. 5 stars for biz2credit and 5 for sajid.

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  • author
    REBECCA MARTINEZ
    2 days ago
    I have worked with Biz2credit for the…

    I have worked with Biz2credit for the past 7 years. They have always been very transparent in everything they do. I have worked with Sean dormer toy many times in these years and he is always kind and courteous and makes sure he is on top of things in order to get me funded in days. Sean is always available on the phone and answers my emails quickly. Sean has made this entire process smooth, easy, and stress free.

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  • author
    Rihana
    2 days ago
    Roshan and kevin are awesome case…

    Roshan and kevin are awesome case manager.

    ...

  • author
    Tita
    2 days ago
    Fast and prompt

    Working with Sandeep Rajput He is fast and prompt Would work again in the future

    ...

  • author
    Jonathan W.
    2 days ago
    Harsh was amazing

    Harsh was amazing throughout the process and helped us get funded in a timely manner. Thank you so much.

    ...

  • author
    James
    2 days ago
    Thank you so much Roshan for getting me…

    Thank you so much Roshan for getting me quick funds.

    ...

  • author
    Rene Estrada
    2 days ago
    Excellent service

    Excellent service

    ...

  • author
    Tina Gower
    2 days ago
    Zameer Askari was very helpful with the…

    Zameer Askari was very helpful with the process of getting our small business funded. Communication was always open and he was easy to contact any time of the day. We will definitely use Biz2credit again. Angelmedic CPR

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  • author
    Marcus conley
    2 days ago
    It feels great not having to worry…

    It feels great not having to worry about paying it back

    ...

  • author
    Quintolyn Kirby
    2 days ago
    Tommy was great

    Tommy was great! He made this process very simple and easy. He answered all my questions and got me funded quickly. I will definitely be using Biz2Credit again!

    ...

  • author
    MM
    2 days ago
    The entire process is straightforward

    The entire process is straightforward, transparent and was user-friendly.

    ...

  • author
    Claudin Sainvilus
    4 days ago
    Thank you so much

    Thank you so much. This is the best company ever

    ...

  • author
    customer
    May 14, 2022
    Pretty quick and easy friendly staff…

    Pretty quick and easy friendly staff but my only issue was a bit of lack of communication when it came to documents needing to me submitted which ended up holding up the loan a day or so

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  • author
    Kenneth Wild
    May 14, 2022
    Again Biz has come thru for us

    Again Biz has come thru for us. They are always there at the right time. Thanks to everyone there for the speedy approval and funding.

    ...

  • author
    Deborah Huston
    May 11, 2022
    David and Aaron were great to work…

    David and Aaron were great to work with. They continued getting to my end goal.

    ...

  • author
    Salman Mirza
    May 11, 2022
    Excellent experience

    Excellent experience! Front start to finish loan forgiveness! Thank you Biz2credit!

    ...

  • author
    Anna
    May 09, 2022
    The worst! Read below.

    I had the worst experience with the company. First of all, their offers are terrible and total rip off even if you got great credit history. And the worst of all, their agents are using fake generated numbers to get to you, keep calling non stop, pass your info to other companies and scammers. Ones, their agent use MY own number to get to my husband when the agent got blocked on all other numbers!!! This is totally illigal to use someone else's number! Biz2Credit is NOT legit! Stay away from them!

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  • author
    MT Fitness
    May 09, 2022
    Biz2Credit is a very good option when…

    Biz2Credit is a very good option when trying to obtain a business loan. The agents are very prompt. You'll usually receive an answer within an hour or so. Agents are very knowledgeable about their business. (Stay away from Rf loan)

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  • author
    DAVID KAMAU
    May 05, 2022
    Very reliable credit company that has…

    Very reliable credit company that has been a rescue for our business when we have been down on our working capital. Very quick process and very helpful. Thanks Biz2credit

    ...

  • author
    Nacole
    May 04, 2022
    Eli is phenomenal

    Eli is phenomenal! He took care of me every step of the way. Eli really made me feel important, and makes me happy to have a relationship with Biz2Credit !!

    ...

  • author
    Stephen Redmond
    May 03, 2022
    Great service and very prompt

    Great service and very prompt. Thank you.

    ...

  • author
    Chynell Lee
    May 03, 2022
    Thank you!

    David and Jatin were extremely instrumental in getting us our first funding opportunity for our small business! We look forward to working with them in the months to come.

    ...

  • author
    Lawrence Wooden
    May 01, 2022
    Needed business funding and biz2credit…

    Needed business funding and biz2credit came through. Process was a little lengthy with a lot of paperwork request; however, as a first-time customer it was expected. Things will go a lot faster next time

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  • author
    customer
    Apr 30, 2022
    They have really helped me out and they…

    They have really helped me out and they practically helped saved my business. They are easy to work with. They also helped set up my payments. They are very easy to work with that I have referred them to other companies.

    ...

  • author
    Ivy
    Apr 30, 2022
    They were friendly and prompt!

    They were friendly and prompt. If you have your paperwork together it's a jog in a park. Mathew was professional and quick to assist when needed.

    ...

  • author
    Mike
    Apr 27, 2022
    Smooth process from start to finish…

    Smooth process from start to finish with great service throughout the fast and easy process. Thanks Kevin for your guidance

    ...

  • author
    Ann Clark
    Apr 26, 2022
    Excellent

    Excellent and courteous would use again!

    ...

  • author
    Jazmin Escurra
    Apr 26, 2022
    Excellent costumer service !!

    Excellent costumer service !!

    ...

  • author
    Lillie Caudle
    Apr 24, 2022
    Very great process an people I truly…

    Very great process an people I truly love them

    ...

  • author
    Kay Duah
    Apr 22, 2022
    Jason Smith is beyond amazing

    Jason Smith is beyond amazing. He knows how to deal with businesses and get what a business needs. I've dealt with many agents from biz2credit and Jason Smith by far is one of the best. Thanks!

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  • author
    عراقي في امريكا
    Apr 22, 2022
    They did amazing job and great deal

    They did amazing job and great deal

    ...

  • author
    mehul
    Apr 22, 2022
    John Smith he is really good and excellent

    John Smith he is really good and excellent I am working with he more than 1 years Biz2credit really helpful on my business.

    ...

  • author
    LUCKETT STRATEGIC SOLUTIONS IN
    Apr 22, 2022
    John & Jason Smith Awesome Duo

    John & Jason Smith have an amazing team! I’ve talked to almost everyone there and I’m quickly forming a solid relationship not just for myself as a business owner but also for my clients! Please consider Biz2credit for your business financing solutions. They are trustworthy and customer service friendly!

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  • author
    James
    Apr 22, 2022
    Roshan was the one who got me funded…

    Roshan was the one who got me funded quickly.

    ...

  • author
    SW
    Apr 22, 2022
    I am giving a 3 star overall

    I am giving a 3 star overall. My reasoning for this is due to the the amount of time it took to actually acquire the funds. The company takes you through a rigorous process. I understand there are fraudulent people out there but it's insane. I worked with Mohd Danish, who was very nice and the gentleman who came out to my business for the inspection was very nice. I also do not care for the repayment plan. The expectation for payment is right away and way more than I expected weekly, but I am trying to save my company and I was in a pinch so I went through with the process.

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  • author
    David Martinez
    Apr 22, 2022
    Ankit was very professional

    Ankit was very professional and finding was quick and esay.

    ...

  • author
    Jerry Mcgee
    Apr 20, 2022
    Forgiveness feels great so wonderful…

    Forgiveness feels great so wonderful I'm still trying to run this business with everything that's going on and things that's going on and to be forgiven takes a lot of weight off of my shoulders thank you

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  • author
    KEDAR HANNA
    Apr 20, 2022
    They are fast and easy to work with

    They are fast and easy to work with. Terms can be a little different, but they come thru if you need quick financing. The commicate with you every step of the way. And when they give you a distribution date the money will be in your account that day.

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  • author
    Abby Phipps
    Apr 19, 2022
    They made the process easy and replied…

    They made the process easy and replied quickly. Great team...they knew what I needed!!

    ...

  • author
    Amy H.
    Apr 18, 2022
    Great & fast service

    It was a very painless process and they were quick, thorough and helped me out when I was in a pinch to get back on track. I will for sure use them again for future endeavors.

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  • author
    Larry Rein
    Apr 15, 2022
    The process was easy and the funds…

    The process was easy and the funds helped when it was truly needed.

    ...

  • author
    Abdulhakim Hashi
    Apr 14, 2022
    Great services when I was I need

    Great services when I was I need. Thank you for the service

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  • author
    LK
    Apr 12, 2022
    Great experience

    Very easy and user-friendly experience from start to finish, helped our business navigate the PPP process, were very responsive, and were very fast with processing.

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  • author
    CD
    Apr 12, 2022
    The level of communication and…

    The level of communication and understanding has been received a lot better for this round of funding. I was working with other lenders and decided to focus my attention to Biz2Credit due to the confidence in lending practices and level of Customer service.

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  • author
    Kanay Shah
    Apr 09, 2022
    Great Service and easy process to get…

    Great Service and easy process to get loan approved. Tom was very supportive!

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  • author
    D.C
    Apr 07, 2022
    Thank you!

    Thank you! Sajid was the one who help us got approved. Though the process took sometime but glad it was finally went through. Sajid was always available to help.

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  • author
    Kinara Bakery
    Apr 07, 2022
    Buenas tardes

    Buenas tardes, kinara Bakery está muy agradecida por la oportunidad que nos brindó Biz2Credit, cuando nosotros más necesitamos insertar un nuevo capital para nuestra empresa.

    ...

  • author
    Millennial Doggies
    Apr 06, 2022
    A+++++ wonderful job

    They amazing they were on top of things very communicative they made it work and they were very resourceful I would definitely be using biz to credit for my future credit lines

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  • author
    Joseph Vargas
    Apr 05, 2022
    working with Parminder singh and his…

    working with Parminder singh and his manager Prashant Mishra has been an awesome experience they work with me in getting funding everytime I need it I will always do buisness with them they have helped my small buisness and I appreciated thank you very much my experience has been awesome with them .

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  • author
    Owner
    Apr 05, 2022
    you failed do i need to say any thing

    you failed do i need to say any thing

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  • author
    Kizzie
    Apr 04, 2022
    Excellent

    Excellent customer service was outstanding and quick

    ...

  • author
    customer
    Apr 04, 2022
    Scam.

    They are complete scammers. Do not trust this company

    ...

  • author
    James Beckett
    Apr 03, 2022
    Team work make the dream work

    The staff is great, they were very honest and upfront. The process is kind of long. The request of all the required material need can be tiresome. The funding is quick and they explain everything to you several times. Overall it was a great experience.

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  • author
    Malik
    Apr 02, 2022
    So far so good

    So far so good

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  • author
    Mark Tulloch
    Apr 01, 2022
    Easy process and great communication

    I have to say thanks Mark, the process was smooth and what I enjoyed most was the good communication. You guys are my go to for funding for now on.

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  • author
    Muhammad Furqan
    Apr 01, 2022
    i really love to work with mr Parminder…

    i really love to work with mr Parminder and prashant they help me too much in my hard time when i dont have a money to pay my debts i really highly recommend these 2 guys and whenever i need loan again my first priority is gonna be mr parminder

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  • author
    Jay
    Apr 01, 2022
    I have taken so many funding from…

    I have taken so many funding from biz2credit. They gets me good offer ever time. I have dealing with Roshan and kevin. They are very fast.

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  • author
    Tracy
    Apr 01, 2022
    Good Job

    This company is great. I received my loan very quickly and is able to continue with my business. Sajid and the team are doing a great job!

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  • author
    Lenz's
    Apr 01, 2022
    To whom it may concern

    To whom it may concern, just letting everyone know that I have the outpost respect for this company and especially Mohammad Danish who always check on me and see how I am doing. My previous two advancement have been completed by Mr. Danish and he has been extremely helpful and patient. I highly recomend Biz2Credit and specially Mohamad Danish.

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  • author
    Lulu Conexion
    Apr 01, 2022
    my experience was good

    my experience was good thanks you all support was great

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  • author
    MLC life
    Mar 31, 2022
    I had a very great experience

    I had a very great experience. Customer service was amazing. Thank you Biz2 . You guys really helped out my business.

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  • author
    derrick workman
    Apr 01, 2022
    THEY WILL DESTROY YOUR BUSINESS AND YOUR LIFE.

    I started receiving a crazy amount of emails and phone calls from this company for business loans. At first I didn't need or want a loan but the calls kept coming. Months later I started another business and needed to purchase equipment. I get a call from biz 2 and thought why not. I explained to them that I wanted to purchase a semi truck. They told me the couldn't finance the full amount but if I took out a loan and pay it off they could finance the truck on the next loan. I took out the loan and paid it off but they still gave me the run around. They convinced me to take out another loan and I did with the hopes of getting the money to buy the semi, they always promised better rates but never give them. These high interest loans have been eating up my bank account, they had me caught in there loan net. Needing to do another loan to try one last time to get this truck all I found was myself getting father and father in debt with these vultures. Unlucky I catch covid and I caught it bad. I was out and almost died along with my girlfriend. We were out for 3 months with covid. Our Doctor advised me not to go out in public until I had all my shots because I had gotten so sick with covid. The whole time I was sick the payments were still being made to biz 2. I called biz 2 and informed them of my situation once I was able to go outside. I get to my office and everything is out of wack. I call biz 2 and ask for help and to see if they can pause payments for a month to let me get everything back in order. They did give me 2 weeks. Biz 2 put a UCC on my business right after I asked for the extra time to catch everything up. I noticed I wasn't getting ant orders coming in through my 5 contractors so we wasn't making any money and I didn't understand why. I tried to take a payment with my square and couldn't. I called my contractors and was told that my business had a UCC filing on it and we couldn't be in the market with that on us I called square and was told the same. I have been in business for 15 years doing great until I met these people NOW IM ABOUT TO LOSE EVERYTHING I WORK SO HARD FOR. EVERYTHING DOWN THE DRAIN. MY HOME MY LIFE. they made it so I can't get work but want me to pay. I SHOULD HAVE NEVER DID BUSINESS WITH THESE FAST TALKING, STALKING, PEOPLE. I LET THEM PRESSURE ME INTO A LOAN AND NOW I HAVE NO BUSINESS. DONT THROW YOUR BUSINESS AWAY USING THESE CROOKS FIND ANOTHER COMPANY IF U NEED A LOAN. This company has a class action lawsuit against them. A New Jersey-based direct-response television marketing company alleges in a proposed class action that Itria Ventures has engaged in a number of fraudulent practices with regard to loans and other transactions The 23-page lawsuit alleges Itria and affiliate broker Biz2Credit Inc. have fraudulently misrepresented loans as financing agreements, improperly sought payment outside of purportedly purchased future receivables and unlawfully charged criminally usurious interest rates on top of “multiple acts of racketeering.”

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  • author
    Consuelo Neri
    Mar 30, 2022
    Life saving

    Life saving. The funds arrive ASAP, no waiting no extra paper work. Manageable payments. Thank you, Neri

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  • author
    Kenneth Wild
    Mar 29, 2022
    I absolutely love biz2credit

    I absolutely love biz2credit. Twice now they have came through for me. Both loans were what I was looking for and very affordable. Aaron Smith was so professional and most helpful. Thanks to him I am able to expand my business.

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  • author
    Viraj Desai
    Mar 29, 2022
    Very Good service by Mike williams got…

    Very Good service by Mike williams got funded in a day. I would highly recommend to work with Mike williams

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  • author
    Rajashekar Vooradi
    Mar 29, 2022
    Himanshu was very helpful in getting…

    Himanshu was very helpful in getting this done in the shortest time possible. I would recommend them to any small business owner who needs help.

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  • author
    Stephen Hernandez
    Mar 29, 2022
    Saif and Roger were very professional…

    Saif and Roger were very professional and helped me recieve my funds when I needed it for our employee pay. Thank you both for your professionalism and kind customer service.

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  • author
    Ali Raza
    Mar 29, 2022
    Sajid was extremely helpful.

    Sajid was extremely helpful. Got me approved in 48-72 hours! Really love their service

    ...

  • author
    DEBBIE MONTALBANO
    Mar 29, 2022
    Fast service

    Fast service

    ...

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