What you need to apply
Age & residency
Be at least 18 years old and a U.S. resident in a state we serve.
Verifiable income
Employment, benefits, or self-employment income we can verify.
Bank account & identity
Active bank account in your name, valid email, phone, and SSN for verification.
After you're approved
Once you sign your loan agreement, your funds are on their way. Payments are automatically debited from your bank account on the schedule you agreed to — weekly, bi-weekly, or monthly. You can always pay early with zero prepayment penalty.
Our customer care team is available Monday through Friday, 8am–6pm CT, and Saturday 9am–1pm CT at (800) 640-2093 or CustomerCare@patrialendingusa.com.