Applying & eligibility
Loan amounts range from $200 to $5,000. The amount you qualify for depends on your income, creditworthiness, state of residence, and other factors.
No. Your initial application uses a soft inquiry only, which does not affect your credit score. A hard inquiry occurs only if you accept a loan offer and proceed with final verification.
Yes. We consider multiple factors beyond your credit score, including income, employment history, and overall financial profile. All credit types are welcome.
You need to be at least 18, a U.S. resident, with a verifiable income source, active bank account, valid email, phone number, and SSN for identity verification.
Patria Lending currently serves borrowers in 24 states including Texas, California, Florida, Ohio, Georgia, Michigan, and more.
Funding & repayment
Once approved and after signing your agreement, funds can be deposited to your debit card within minutes or to your bank account via ACH by the next business day.
Yes. There is no prepayment penalty. Pay early and save on interest. You can make extra payments or pay off the entire balance at any time.
Payments are automatically debited from your bank account on the schedule in your loan agreement (weekly, bi-weekly, or monthly). You can also pay through your online portal.
Late or missed payments may result in additional fees and may be reported to credit bureaus. Contact our customer care team immediately if you're having difficulty.
Yes. You may return the full amount within 24 hours of receiving funds. If returned in full within this rescission period, no interest or fees apply.
About Patria Lending
Tribal lending is lending conducted by entities owned by and operating under the jurisdiction of federally recognized Native American tribes. Patria Lending LLC is wholly owned and operated by the Otoe-Missouria Tribe of Indians.
Yes. Patria Lending LLC is a tribal lending entity wholly owned and operated by the Otoe-Missouria Tribe of Indians, a federally recognized sovereign nation. We are committed to responsible lending and full transparency.
Call (800) 640-2093, Monday–Friday 8am–6pm CT, Saturday 9am–1pm CT. Or email CustomerCare@patrialendingusa.com.