Patriot Finance, LLC Cumberland Pkwy, Atlanta

Their credit "qualifications" are extremely misleading. My credit score is well over 600 with all 3 bureaus (which I just found out from getting a free electronic copy of all of my credit reports), I have a verifiable job where I've been employed for almost 2 years and I've had my checking account with the same NY credit union for well over 5 years. So why did I get denied for an installment loan with this unknown company? Because of a bankruptcy that was discharged in 2008; NINE years ago. If I'd known I'd get denied because of a bankruptcy that is within a year of falling off my credit report, I wouldn't have even bothered applying. And of course when you call their local number for an explanation, the male receptionist doesn't even greet you with the "company's" name. I had to ask if I was speaking with someone who worked for Patriot Financing. How professional. Don't waste your time with this company, you're better off going through a bank or credit union. However, if you're Black or Latino, you'd probably have a better chance of winning the lottery now-a-days. Go figure, financial institutions can screw over US citizens for years and then when you're in a financial bind due to circumstances beyond your control, you're on your own.

Do not apply with this company. Received a pre-approved offer from Patriot Finance. I apply because my score is well above the 700s. I have verifiable income well above 100K. I apply and submit all documents requested. This is where it becomes murky. After submittong my docs, I awaited 72 hours for a response. Then the underwriter Jeff (which isn't the underwriter, he's actually the prejudiced COO Jeff Branton) calls & ask for W2's and my tax return which wasn't a problem. Then he ask for a IRS Form 4506-T form & 3 more months of bank statements to further verify my documents?!? Hmmm...really?!? Six months of bank statements, 3 paystubs of my last pay period, Drivers License, a W2, 2016 Tax Return, & IRS Form 4506-T. Qualifiying for a mortgage would be easier and less invasive than this process. Also, I think their staff & underwriters are extremely prejudiced towards people of color. Don't let the one or two black receptionist in their office fool you. Anywho, after the long drawn out process, I get an offer. Get this.... A $15,000 loan with an 39% APR-59% interest for 36 months !!! Really...?!? They pulled Transunion and my score was 739. No lates and zero credit usage. All account up to date & paid. DTI Ratio at 17%. And this is the best they give me?!? Don't listen to any of the reviews on Trust Pilot. If you are a minority, go to a credit union or local bank & apply for a loan or credit card. This Alt-Right company has no problems funding predatory sub-prime loans to minorities and offering much better rates to those who are of their liking or ilk. P.S.- That Person Jeff. On top of being the "underwriter", he is the COO of the company. So if he feels like being discriminatory against you, he will. If you feel you have been discriminated against, you should file a complaint with the General Attorney & State of Georgia. His name is Mr. Jeff Branton.

Please don't waste your time going to Patriot Finance for any type of service because all they going to do is run your credit and turn you down that is ridiculous and waste of my time and my beacon score went down because of them. Their credit "qualifications" are extremely misleading. My credit score is well over 600 with all 3 bureaus (which I just found out from getting a free electronic copy of all of my credit reports), I have a verifiable job These people are a joke

I do not understand the negative reviews. I have been with this company for 2 years. I do not have the best credit but they took a chance on me. Jeff, Lee. Theresa were very nice to me and worked to get my financial needs met. Give them a chance to help you

Fully pleased with this loan company. They are honest and forthright in their dealings. They offered a lower amount based on my earnings and credit, but I was still given a loan at a reasonable APR given my credit rating.

I'm very thankful I found this place as everywhere else had denied me for a loan. Jeff was extremely helpful and I got approved within three days! Getting the check was fast and simple!

I can never login to view my documents or change any information. There is no way of resetting the information even though my username and password is correct. I emailed someone and was told the system was down. That was LAST October, fast forward almost a year later and I still cannot get in to view documents. This has to be a TILA violation because they never mail anything either.

Tried getting a loan from them based on there advertised "liberal credit criteria" and was unsuccessful. Note my credit history is not perfect but I did have a over 600 credit score and a well paying job and a checking account but was still denied! I was looking to consolidate not have a party! Still no one ever really tried to work with me.

Patriot Finance is a great place to get a loan. Customer service is excellent. They will work hard to get you what you need.

Applied for a loan on My 30th. 14 Days later and after 3 phone calls to the company with promises someone would return my call, nothing. That is ridiculous.