APR (Annual Percentage Rate)
Your APR is determined based on your credit profile, income, loan amount, and term length. APR includes both the interest rate and any applicable fees, giving you a complete picture of your borrowing cost. Your specific APR is disclosed in your loan agreement before you sign.
Patria Lending is a tribal lender. Rates may be higher than traditional banks because we serve borrowers who may not qualify for conventional credit. Please consider whether this loan is right for your financial situation.
Fees
Origination fee
May be included in your APR calculation. Disclosed before signing.
Prepayment penalty
$0. Pay off your loan early at any time with no extra charge.
Late payment fee
May apply if a payment is missed. Your loan agreement specifies the exact amount.
Rescission period
Return the full loan amount within 24 hours — no interest or fees apply.
Important considerations
This is an expensive form of borrowing and is not intended as a long-term financial solution. Please borrow only what you need and can afford to repay. Late or missed payments may be reported to credit bureaus and may affect your credit score.