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This profile includes reviews for Patria Lending LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Patria Lending LLC

  8151 Highway 177 Red rock, OK 74651

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  Patria Lending LLC

  PO Box 668 Weatherford, OK 73096

Review Details

• Review fromGeorge S

  Date: 06/17/2025

  1 star
  I shouldve read the fine print but I didnt. I took the word of the associate and come to find out that the interest rate on my $1500 loan was 690%. I am giving them $840 a month. For 26 payments the amount of money that they are making they take it out every week $209 for 26 payments by the time you add that up Im paying the amount back in four times the amount I borrowed I am utterly disgusted. I shouldve read the fine print that is 100% my fault But I will tell you whatever you do do not borrow from this company. I cannot believe that they are in business. Did you know that they are not part of the Better Business Bureau man? Let me tell you please read the reviews. Unbelievable. I will pay my note off because it is my fault. I only have three payments left, but I will tell you now this was a hard hard ******* They never told me that it was once a week they told me it was for 69%. They failed to mention that it was 690%. This company is a ***** misleading. I dont know how they sleep at night taking advantage of people that has fallen on hard times

• Review fromDAVE N

  Date: 06/12/2025

  1 star
  667% loan rate. Also, they have you at their mercy. They withdrew money early too

• Review fromNick C

  Date: 05/30/2025

  1 star
  Paid my loan off. Then TWO MONTHS LATER I get a payment deducted. I called and they fed me some BS excuse that their system didnt add the interest yet the payment was exactly what my monthly payment was. I told them thats your problem not mine. ******** just went on and on. They have another payment next month for the same amount yet my account now shows I owe 2$. They are criminals and thieves!!! Dont ever use them please!!!!!! If they take any more out we are going to court ASAP!

• Review fromKrista M

  Date: 04/16/2025

  1 star

  Krista M

  Date: 04/16/2025

  I paid my loan in-full on the 10th day of the loan, I made a payment on a Thursday so the Friday payment was already in process. I explained to **************** to just deduct the payment in process and I'll pay that amount. Both said no I owed the payoff and the weekly payment in process. I was overcharged 7 days ago and was promised a refund when my payments cleared. All payments out of my account right away as it was paid with a debit card and ACH. I have emailed 4 times and been on hold for over 45 minutes twice to no avail. They have my money, not paying me interest yet no refund. Very illegal how their processing center allows them to take an amount over the payoff balance! And you cannot talk to anyone ever and given no timeline as to when my refund is coming.

  Patria Lending LLC

  Date: 05/06/2025

  Response From Business Owner:We always appreciate having the opportunity to hear from our Borrowers and address their concerns, especially when the Reviewer has been a loyal Borrower with Patria Lending during the last seven months. The Loan Payoff issue experienced by the Reviewer, occurred when requesting a Payoff Amount from one of our **************** Agents. As the Reviewer explained correctly, the Agent did not account for the scheduled weekly automatic payment that had already been processed. As a result, an additional payment was included in the Loan Payoff Amount that resulted in an overpayment of $92.01 on Thursday, April 10, 2025.Therefore, a refund was due to the Borrower. However, the frustration displayed by the Borrower, in several emails and phone calls, was further exacerbated by having to wait for the Loan Payoff Payment to settle between Financial Institutions, which typically takes 7-10 business days. On Friday, April 18, 2025, the refund in the amount of $92.01 was credited to the appropriate Checking Account.We apologize for the confusion with the quoted payoff amount, and any inconvenience this matter may have caused.Thank you,Customer Care ********************

• Review fromAllyson P

  Date: 11/24/2024

  1 star

  Allyson P

  Date: 11/24/2024

  I need my account cancelled. I have not received anything and do not want it. Please cancel my account.

  Patria Lending LLC

  Date: 11/26/2024

  Business Owner Response to Review ID: ****** In response to the Customers Loan Cancellation request, the following email exchange occurred between the Customer and **********************. Customer Sunday, November 24, 2024, ****** Hello, I want to withdraw my application and have this account deleted. I applied on Thursday and do not want this loan. Please cancel.2. ************* (Credit)Monday, November 25, 2024,11:36AM We have cancelled your application. Have a great day!3. Customer Monday, November 25, ************ Can you please confirm all my information will be deleted?4. ************* (Credit)Monday, November 25, 2024,11:39AM Your account is fully closed.Please Note: Office hours for ************* are Monday through Friday; 9:00 AM 5:00 PM (EST)Furthermore, this type of request should not be sent to the Better Business Bureau.Thank you,************* ********************

• Review fromChandler W

  Date: 10/29/2024

  1 star

  Chandler W

  Date: 10/29/2024

  Worst loan company I've ever used. I used them once in 2023 and I told myself I would never do it again. Then I got an email saying since I was a previous borrower they had a special offer for me with better interest rates and what not. Turns out that was a lie. 699% APR is insane they more than triple there money off your loan and they aren't willing to work with you at all on payments. I tried to call and ask them if it was possible to pay bi weekly instead, they proceed to tell me you can do that but you will accrue late fees which are also outrages. They are very unfriendly and don't help at all. These loans are not meant to help you they only hurt you. Don't fall victim to there ***

  Patria Lending LLC

  Date: 11/05/2024

  Business Owner Response (Review ID ********** appreciate having the opportunity to respond to the Borrowers Review, and hope that we can offer an insightful response and resolution that is received favorably. The Borrowers comment regarding the Patria Lending Program is concerning, especially since this is the Second Loan opened within the last 141 days.The First Loan originated through a lead provider, ************************* on Tuesday, December 05, 2023, with the completion of an on-line application that was presented to their network of multiple lenders, one of which was Patria Lending. The loan was accepted on Tuesday, December 05, 2023; approved on Thursday, December 07, 2024; and also funded on Thursday, December 07, 2024 in the amount of $1,000 to the Debit Card Account provided in the on-line application, with an interest rate of 699%. This loan was paid-in-full on Friday, February 16, 2024.Then, on Saturday, July 06, 2024, the Second Loan originated through the ****************************** Website, that was approved and funded on Saturday, July 06, 2024 in amount of $1,000, to the Checking Account on file via ACH processing method, also with an interest rate of 699%.In response to the Borrowers statement about the Second Loan having the same rate as the First Loanthat is correct. As an incentive to encourage Patria Loan Borrowers to return for future loans, we offer reduced Interest Rates. For returning Borrowers interested in a Second Loan, the Interest Rates will remain the same. But ********* seeking additional loans will receive a discounted rate offer for every other loan request. This means the Borrower is eligible to receive a reduced rate for the Third Loan. For each of the approved Loans received, the Borrower has been asked to sign the Loan Agreement that includes the Truth-In-Lending Act ****** Disclosure. The ****** Disclosure is the first page of Patria Lendings Loan Agreement and outlines the required repayment categories that must be presented to a potential borrower before a Lender extends credit. The purpose of the **** is to protect potential borrowers so they are not surprised by financial charges, payments, and fees. Categories displayed are as follows: Annual Percentage Rate; Finance Charge; Amount Financed; Total Of Payments; Number Of Payments; Amount Of Payments; When Are Payments Due; and Repayment ******* any point throughout the credit evaluation and funding process, if the Borrower had chosen not to continue with the requested loan, the process could have been stopped. This is stated in the Loan Agreement; Section B. IMPORTANT READ THIS CAREFULLY 2. I may cancel my application without any fee or penalty prior to funding of the Loan, as long as I provide you with sufficient advance notice to stop the Loan funding. Also, even after loan approval, signing loan documents, and funding; the loan funds could have been returned within 24 hours. This is explained in the Patria Lending Website under the Section Titled FAQS: How do I cancel my loan? The instructions are as follows:You may cancel your payment obligations under this Loan Agreement, without cost or finance charges, no later than 3:00 p.m. Eastern time of the next business day immediately following the Disbursement Date. Your right to cancel your loan only applies if your loan either has not funded or, if it has, the funds are returned to us. To cancel your payment obligations on this loan, you must inform us in writing, by or before the Cancellation Deadline, by email to *************************************** that you want to cancel the future payment obligations on this loan. If we receive payment of the principal amount via the debit, then both your and our obligations under this Loan Agreement will be rescinded. If we do not receive payment of the principal amount by debit from ********* Account, then this Loan Agreement will remain in full force and effect.Summarizing multiple email exchanges with the Borrower on Friday, August 23, 2024, the request was made for bi-weekly payments instead of the contractual weekly payments. The Borrower was presented with the option of making bi-weekly payments that would require disabling automatic payments and make manual payments. In addition, the loan account would continue to accrue interest and late fees for the missed weekly payments creating a delinquent status. At Patria Lending, we take great pride in our willingness to assist Borrowers that are experiencing financial challenges by offering various Repayment Options.With that said, if the Borrower is receptive, we would like to propose allowing the requested bi-weekly payments, that would be the equivalent of two payments every other week, that would still accrue interest, but once the payment is made successfully, late fees will be waived. If agreeable, we would welcome the opportunity to further this discussion by sending an email to ***************************************.Thank you,Credit Department Patria Lending

• Review fromVicki S

  Date: 09/03/2024

  1 star
  They are horrible. I called and got the payoff amount on my loan, and I paid it off right then. Then the next day, they pull out a payment. You cannot talk to anyone in customer service the only way you can connect with them is via email. The gentlemen that answer the phone was worthless.

• Review fromGarrett W

  Date: 07/19/2024

  1 star

  Garrett W

  Date: 07/19/2024

  Cannot view my loan details nor can I access my account even after resetting the password. I contacted support and was told there was no application linked to my email. Extremely suspicious

  Patria Lending LLC

  Date: 07/24/2024

  We appreciate the opportunity to address the concerns raised by our Patria Lending Client.After an in-depth review of the Clients account history, we identified the root cause preventing account access. A credit requirement of Patria Lending is to maintain a valid email address for communication purposes. When the current account was opened on January 26, 2024, the Client provided a specific email address, that is also used to establish a log-in password to access the Clients account portal. Additionally, Patria Lending only allows one active account per Client. With that said, on February 15, 2024 and March 01, 2024, the Client applied for additional loans and provided a different email address that was designated for both. Because of the one account restriction, the two loan requests were ******. Regarding the Clients inability to access the current account, when the most recent loan application was submitted on March 01, 2024, our *************** System captured the new email address provided and applied it to the current account. By doing so, prevented any attempts to access the current account using the original email address and password. As of this writing, the March 01, 2024 email has been removed, and the original email address has been added back to the account, therefore allowing account access using the password linked to the original email address.Client was notified via email on Wednesday, July 24, 2024.Please accept our apology for any inconvenience this matter may have caused.Thank you,Customer Care ********************

• Review fromCharlie C

  Date: 07/10/2024

  1 star

  Charlie C

  Date: 07/10/2024

  My identity was stolen and Patria issued the loan to the fraudster. I filed a police report and sent it to them and they replied that I have to pay back the money that I never received because both Patria and I were defrauded! They messed with the wrong guy. I've been an attorney for thirty years and headed a global financial crime investigations team. This will not end well for them.

  Patria Lending LLC

  Date: 07/15/2024

  Subsequent to receiving the Review on 07/11/2024, we have exchanged several emails with the Complainant regarding the fraudulent account situation and have reached a resolution.When claims of fraud are reported, such as the unfortunate situation involving the Complainant, we must proceed cautiously during the investigation process gathering the necessary information to substantiate the fraud claim. This is necessary because it is not uncommon for Borrowers to use claims of fraud as a tactic to avoid repayment of a financial obligation.Therefore, included in the investigation process is requesting, and obtaining a ************ Report, as well as ************************ Identity Theft Report, both of which were requested by the Complainant, and required to close the account and change the status to Fraud. As of Monday, July 15, 2024, we have received the Police Report and are awaiting the return of the Identity Theft Report.Additionally, it is important to remember that in any fraudulent situation, there is the possibility that the Consumer and Lender are both victims. The Lender may experience a financial loss, while the Consumers personal information may be further compromised.As a preventative measure, we highly recommend that the Complainant notify the Credit Bureaus of the fraudulent activity, identify, and remove incorrect information, as well as add a Fraud Victim Statement on their Credit Report alerting Creditors that Fraudulent Applications May ** Submitted In My Name Or My Identity May **** **en Used Without My Consent To Fraudulently Obtain ******** Services. Do Not Extend Credit Without First Contacting Me Personally And Verifying All Application Information By Contacting Me Day Or Evening At Specified Phone Number.Going forward, should the Complainant have additional questions or concerns, we are available by contacting ******************************************* you,Customer Care ********************

• Review fromSamantha S

  Date: 06/28/2024

  1 star

  Samantha S

  Date: 06/28/2024

  599% apr. No ONE can pay that, it's so much money to pay back, I've never seen a rate so high. I'd say only use them if you're dying or don't intend on making the payments back. Feels super predatory, whether or not the fine print states their T&Cs.

  Patria Lending LLC

  Date: 07/01/2024

  Opportunities to address our borrowers concerns are appreciated. Receiving comments such as these, especially from current borrowers, is disappointing. For this very reason, the Patria Lending website informs potential borrowers that this type of loan is an expensive form of borrowing and is not intended to be a long-term financial solution, but rather designed to assist potential borrowers in meeting their short-term financial needs. Interested individuals may complete an on-line loan application that is passed through the underwriting process and applicable risk-based credit filters. Interest rates are determined based on the requested loan amount and individual credit-worthiness. If approved, potential borrowers are asked to sign the Loan Agreement that includes the Truth-In-Lending Act ****** Disclosure. The ****** Disclosure is the first page of Patria Lendings Loan Agreement and outlines the required repayment categories that must be presented to a potential borrower before a Lender extends credit. The purpose of the **** is to protect potential borrowers so they are not surprised by financial charges, payments, and fees. Categories displayed are as follows: Annual Percentage Rate; Finance Charge; Amount Financed; Total Of Payments; Number Of Payments; Amount Of Payments; When Are Payments Due; and Repayment Fees. At any point throughout the credit evaluation and funding process, if a ******** decides not to continue with the requested loan, they may stop the process as explained in the Loan Agreement. Also, even after the loan has been approved, documents signed, and funds deposited; the loan funds may be returned within 24 hours. This is explained in the Patria Lending Website. In addition, we strongly encourage our borrowers to consider making additional payments, making payments greater than the scheduled payment amount, or repaying their loan as soon as possible to reduce the amount of finance charges they may incur throughout the repayment term without any pre-payment penalties. Thank you, ************* ********************