You're pre-approved
to get the cash you
need-right now

This pre-approved offer is (a) conditioned upon and subject to (i) verification of identity, (ii) validation of banking information, (iii) verification that checking account is not a prepaid debit card, mobile banking app, nor bank partnership, (iv) validation of mobile phone number and email address provided, and (v) a review of potential fraud characteristics; and, (b) valid only for the selected named individual who (i) is not active duty military personnel or a dependent of active duty military personnel; (ii) is not currently a Patria Lending customer; (iii) is not a previous Patria Lending customer in bad standing; (iv) is not in bankruptcy, preparing to file bankruptcy or have filed bankruptcy in the last 24 months; (v) not currently delinquent on any short-term small-dollar advances; (vi) currently has a minimum annual income of $25,000.00; (vii) resides at the address to which the offer was sent; (vii) is a resident only in a state which Patria Lending provides loans in and can provide proof of such residency; (ix) has a current and active checking account in good standing with the associated bank and Patria Lending; (x) has direct deposit of stated monthly income of or over $2,083.33 into said current and active checking account; and (xi) is twenty-one years old or older. Minimum loan amount of $300.00. Loans are not available in CT, DC, GA, IL, MD, NC, NJ, NY, PA, RI, SC, VA, VT, WV or any U.S. territories or Gila County, AZ. Patria Lending is an equal opportunity lender.

*The actual approved loan amount and terms are dependent on information supplied in your application, underwriting guidelines and credit policies.

The Otoe-Missouria Consumer Finance Services Regulatory Commission is the regulatory agency solely responsible for regulation of Patria Lending LLC. Patria Lending is a tribal lending entity wholly-owned by the Otoe-Missouria Tribe, a sovereign nation located within the United States of America.

Please visit our FAQs for specific information on our disbursement options, and when loan funds may become available for your use. If you select Debit Card Direct Deposit, funds may be deposited within minutes once your loan is approved 24/7. If you select ACH Direct Deposit, funds may be deposited on the same business day if your loan is finalized before Noon EST. All loans finalized after this time should be deposited by the end of the next business day. Generally, business days means Monday through Friday. Exact availability will be subject to your bank’s processing schedules, policies and recognized bank holidays. We do not charge a fee to disburse funds by wire and ACH, but your bank may assess a fee. Consult with your bank on their fee schedules and posting requirements. If you selected funding by Check, the funds typically arrive at the address on file via USPS within 7-10 business days.

Our loans are subject to terms and conditions. Not all applicants will qualify for a loan. New customers must be able to satisfy eligibility requirements for underwriting approval. Returning customers who have received a pre-approved offer must continue to be able to satisfy the preselection criteria as shown in their offer.

Applicants must authorize us to verify any information provided for identity and digital verification, underwriting, and credit reporting. Verification and reporting may be ongoing and may require us to obtain information about you from, and share your information with, consumer reporting agencies and other sources. For more information, including applying for a loan, you should read our Privacy Policy which governs our information sharing practices, and our Terms of Use which governs your use of our website.

Before you apply for a loan with us, you should first seek credit counseling or meet with a nonprofit financial counseling service in your community because short-term, small-dollar loans are expensive forms of credit that should be used for short-term financial needs only, and not as a long-term financial solution.

Patria Lending is an equal opportunity lender that is wholly-owned by the Otoe-Missouria Tribe, and licensed by the Otoe-Missouria Consumer Finance Services Regulatory Commission pursuant to the Otoe-Missouria Tribal Consumer Financial Services Ordinance.