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Personal Lending & Loans at Patriot Bank

When you need extra financial strength, Patriot Bank is here for you.

With our help, you can borrow the money you need that makes the most sense for your short and long-term goals. Discuss your financial needs at one of our locations in Stamford, Darien, Fairfield, Greenwich, Milford, Norwalk, Orange, Scarsdale, and Westport. Together, we will find a personal lending program that fits your needs!

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Mortgage

This loan, originated by Neat Capital, is ideal for customers looking to purchase or refinance a home. This mortgage loan includes the following key features:
  • Competitive rates
  • Quick approvals within 24 – 48 hours
  • Ability to close as quickly as two weeks
  • Specialists in jumbo loans
  • Qualified clients can make a cash-like offer on a home, without a financing contingency

Neat Capital Logo color
NMLS #1467706

 

 

This is not a loan commitment. All loan requests require an application and are subject to Neat Capital’s credit underwriting process for the requested loan. Mortgages are available in select states, click here for more information.

Patriot Bank Credit Card

The Patriot Bank Visa® Credit Card is ideal for everyday purchases and provides a consolidated way to look at expenses throughout the month. Our credit card functions as a personal lending service and includes the following benefits:
  • Has a minimum credit amount of $500;
  • Has a maximum credit amount of $25,000; and
  • Has a variable rate of interest based on the Prime Rate plus a margin (as described below) with a floor of 7.99%. The margin above the Prime Rate charged is as of the date of this information and the date appears on the second page of this information. The margin above the Prime Rate charged is based on creditworthiness and is as follows with a floor of 7.99%:
    • 5.99%
    • 7.99%
    • 9.99%

For additional details about the Patriot Bank Visa® Credit Card, refer to the cardholder agreement which can be supplied at any Patriot branch office. This is not a loan commitment. All loan requests require an application and are subject to the Bank’s credit underwriting process for the requested loan.

Personal Line of Credit

This loan is ideal for customers who want access to funds for short-term purchases. This is a great option as a loan for an individual or family. It includes the following key features:
  • Has a minimum credit amount of $5,000;
  • Has a maximum credit amount of $25,000; and
  • Has on-demand terms.

This is not a loan commitment. All loan requests require an application and are subject to the Bank’s credit underwriting process for the requested loan.

Overdraft Line of Credit

This loan provides protection and peace of mind for those unusual occasions when a customer might not have all of the funds in their account to pay an incoming item presented to the bank for payment. The main benefits of this lending service are as follows:
  • Has a minimum credit amount of $1,000;
  • Has a maximum credit amount of $5,000; and
  • Has on-demand terms.

This is not a loan commitment. All loan requests require an application and are subject to the Bank’s credit underwriting process for the requested loan.

Installment Loan

This loan is ideal for homeowners who wish to borrow on an unsecured basis. These installment loans are great for individuals and include these key features:
  • Can be used for home improvements or other needs;
  • Has a minimum loan amount of $2,500;
  • Has a maximum loan amount of $5,000 for general purpose loans; and
  • Has a maximum loan amount of $10,000 for home improvement.

This is not a loan commitment. All loan requests require an application and are subject to the Bank’s credit underwriting process for the requested loan.

Patriot Home Equity Loan

This loan is ideal for customers who want to make a purchase using the equity in their home. The Patriot Bank home equity loan offers the following:
  • Is secured by the customer’s home, and can be paid back in equal installments over a specific term;
  • Has a minimum credit amount of $15,000;
  • Has maximum credit amount of $500,000; and
  • Has a maximum term of 15 years.

This is not a loan commitment. All loan requests require an application and are subject to the Bank’s credit underwriting process for the requested loan.

Home Equity Credit Line

This loan is ideal for home owners who want to have access to cash for purchases, college tuition, or other expenses. Patriot Bank offers this home equity credit line as a lending service with the following benefits:
  • Has a minimum credit amount of $15,000;
  • Has a maximum credit amount of $500,000;
  • Has interest-only payments for the first 10 years, after which time the credit line balance will convert to an amortizing loan for an additional 15 years; and
  • Can have a loan to value up to 70%.

This is not a loan commitment. All loan requests require an application and are subject to the Bank’s credit underwriting process for the requested loan.

Collateralized Loan

This loan is ideal for customers who are building their credit. The collateralized loan provides Patriot Bank customers with the following features and benefits:
  • This loan is collateralized by a Patriot Bank Certificate of Deposit;
  • Has a minimum credit amount of $5,000;
  • Has a maximum credit amount of 90% of the CD balance; and
  • Has on-demand terms.

This is not a loan commitment. All loan requests require an application and are subject to the Bank’s credit underwriting process for the requested loan.

SMART-E Loan

This product is approved by Connecticut Green Bank and offers long-term, low-interest financing to help customers access affordable home energy improvements. This lending service is ideal for individuals and families and offers the following benefits:
  • Has a minimum credit amount $3,000;
  • Has a maximum credit amount of $25,000;
  • Must be directly related to energy insulations or improvements;
  • All projects and contractors must be approved by Connecticut Green Bank; and
  • Requires the home to be the owner-occupied, primary residence and located in the state of Connecticut.

This is not a loan commitment. All loan requests require an application and are subject to the Bank’s credit underwriting process for the requested loan.

Auto Loan

This loan is ideal for customers buying a new or used vehicle. The Patriot Bank auto loan includes these key features:
  • Is available for new vehicles up to 90% of the retail value; and
  • Is available for used vehicles up to 80% of the NADA retail value. Used vehicles must be 5 models years old or less.

This is not a loan commitment. All loan requests require an application and are subject to the Bank’s credit underwriting process for the requested loan.

Boat Loan

This loan is ideal for customers who want to purchase a new or used recreational boat. Patriot Bank will help you get the boat you’ve always wanted with our lending services. Our boat loan features the following:
  • Is available for up to 80% of the value of the purchase order, excluding optional equipment and taxes;
  • Has a minimum credit amount of $10,000;
  • Has a maximum credit amount of $500,000; and
  • Has a maximum term of 10 years.

NOTE: Used boats must be 10 model years old or less.
This is not a loan commitment. All loan requests require an application and are subject to the Bank’s credit underwriting process for the requested loan.

Contact Patriot Bank in Connecticut and New York for Your Personal Lending Needs!

For short-term or long-term financing, contact Patriot Bank. We are conveniently located with banking branches in the following locations: Stamford, Darien, Fairfield, Greenwich, Milford, Norwalk, Orange, Scarsdale, and Westport. Our expert lending staff will be able to answer your questions and help you find the perfect loan. Call Patriot Bank for your financing needs today!

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