It used to be that if you wanted to take out a personal loan from Citizens Financial Group you had to show up at a branch and apply in person.

That changed in March of this year, when Citizens, of Providence, R.I., began offering a digital application process. Now, customers looking to borrow between $5,000 and $50,000 can apply online and get an instant response, and they can sign the required documents electronically and upload them for a fast closing. Funds are available as early as the next business day.

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