CURRENT RATE
Following your current payment plan, you will pay total interest of
to your current banking institution before paying off your debt.
Find financial freedom with Patriot Funding
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Absolutely zero fees
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One simple, fixed rate
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Debt free in 24 to 48 months
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About
At Patriot Funding, we believe you are more than your credit score — and we are ready to work with you to free you from high-interest credit card debt.
Stop juggling competing bills and end the cycle of paying minimums that gets you nowhere. Instead, consolidate your debts and pay one single bill monthly, at a lower interest rate.
Payment relief. Lower interest rate. A single monthly bill. Sounds like freedom! Debt-free in 24 to 48 months. Apply today.
Call
888-852-6241
to speak to a representative.
Save money with an interest rate in the single digits.
Get monthly relief by cutting monthly payments by over half.
Simplify your life with one monthly payment
See What You Could Be Saving
Here's what people are saying about us
Steve D.
Geneva, IL
“I’m not even sure how or when I spent so much on my credit cards, but it became really clear I needed to find a different way to deal with it. So I tried Patriot after getting a letter in the mail from them, and called them right away. My consultant was super helpful and walked me through the process and my options simply and thoroughly. Being a part of this program has set me back on track. I’ll pay off my debt in a fraction of the time it would have taken me with minimum payments — with serious savings on interest.
”
Mary-Alice S.
El Paso, TX
“When my husband and I had our first child, we put a few expenses on credit cards to get the nursery together and some other things. Then by the time my daughter was 2, I felt like the debt had become this huge obstacle we would never overcome. Fortunately, Patriot connected us with a payoff option that worked for our family — and I can’t wait to be debt-free in 36 months!
”
Alonso D.
Guilderland, NY
“Recovering from the pandemic and what it did to my income has been a huge task. And we ended up in a lot of debt, from putting regular expenses on credit cards to manage a tight cash flow. Well — it was time to get that fixed. Patriot Funding stepped up with a great solution, and I finally feel like this will all be behind me soon.
”
Questions? We've got answers.
Call us!
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What is a debt consolidation loan?
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A debt consolidation loan is a type of loan that combines multiple debts into one single payment. This type of loan is typically used to simplify debt repayment — since you have just one bill to pay each month — and reduce the overall cost of debt. By consolidating all of your debts into one loan, you can potentially lower your monthly payment, reduce your interest rate, and pay off your debt faster.
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How does a debt consolidation loan work?
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A debt consolidation loan works by taking out a new loan to pay off your existing debts. You then make a single monthly payment towards the new loan, which ideally will have a lower interest rate than your previous debts (interest rates are based on your overall debt profile and debt-to-income ratio). A lower interest rate typically lowers your monthly payment — helping you pay off your debt faster.
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What types of debt can be consolidated with a debt consolidation loan?
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You can use a debt consolidation loan to consolidate various types of debt, such as credit card debt, personal loans, medical bills, and more. You cannot use a debt consolidation loan to pay off any secured debts, i.e. those debts that are secured by collateral, such as your house or a car.
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Is a debt consolidation loan a good idea?
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Whether a debt consolidation loan is a good idea depends on your individual financial situation. If you have high-interest debt and are struggling to make your monthly payments, a debt consolidation loan may be a good option to lower your interest rate and simplify your payments.
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What are the benefits of a debt consolidation loan?
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Some potential benefits of a debt consolidation loan include lower interest rates, simplified payments, and a potentially faster debt payoff. By consolidating your debt into one loan, you may also be able to avoid late fees and other penalties associated with missed payments. Apply today — it won’t affect your credit score and you can learn how much you can save.
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What are the drawbacks of a debt consolidation loan?
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Some potential drawbacks of a debt consolidation loan include fees, a potentially longer repayment term, and the risk of taking on more debt. If you’re not careful, you could end up with more debt than you started with, or a longer repayment term that ultimately costs you more in interest. It’s important to carefully consider the terms and fees associated with any debt consolidation loan before taking it out.
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What are Patriot Funding reviews?
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Patriot Funding has been in operation since 2018 and has received hundreds of positive reviews. Jeremy P. from Plano, TX, posted this review after he consolidated his bills with our program:
"After my divorce, I had bills piling up, and I was scared. When I called Patriot Funding, the person who took my information was so kind and patient. I really felt like she was working with me. Patriot Funding let me consolidate my bills. I felt relief immediately."
Managing Debt
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Is a Debt Consolidation Loan Right for You?
Prices on everything are climbing, and, at the same time, your credit card debt is getting more expensive. It’s time to break the cycle, and a debt consolidation loan can be a smart way to handle your credit card debt. Here’s why.
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Why Debt Consolidation Matters in 2023
Debt consolidation is a simple way to address the complicated problem of carrying burdensome debt on your credit cards.
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How Much Debt Is Too Much Debt? Take This Quiz
Credit cards are a part of life, and they can be a useful tool to help us manage our finances, make big purchases, and help us out in an emergency. But the key, of course, is not to let your debt get ahead of you.