new itemnerfed itembuffed item
Predatory Lending
Updated: May 05, 2022
Borderlands 3

Borderlands 3
Predatory Lending

Bullets are cheap, but not that cheap.
  • Content
    Base Game
  • Weapon Type
    SMG
  • Rarity
    Legendary
  • Manufacturer
    Hyperion
  • Elements
    Non-Elemental
    Fire
    Shock
    Corrosive
    Cryo
    Radiation

Predatory Lending
All Details

God Roll
Predatory Lending (SMG-BL3)
Copy Predatory Lending Code

Predatory Lending - About

The Legendary SMG Predatory Lending is manufactured by Hyperion and comes from the Borderlands 3 Base Game.

Predatory Lending - Effects

Consumes $1 per shot, instead of Ammo.
Sustained fire increases weapons fire rate to a limit.

Predatory Lending - Variants

59% of Predatory Lendings are Non-Elemental and each Element is equally common with 8.2%.

  • Elements
    Non-Elemental
    Fire
    Shock
    Corrosive
    Cryo
    Radiation
  • Listed Projectiles
  • Shot Cost
  • Splash Radius
  • Weapon Parts
    variants
    fixed parts
  • Anointment
    possible
    none
  • Splash Anoints
    possible
    none

Predatory Lending - Weapon Shields

The Predatory Lending comes with 1 of 4 Front-Facing Weapon Shields.
Each is activated by aiming and protects from frontal damage.

  • Hyperion Shield 25% +15% Weapon Shield Capacity
    -5% Reload Time
  • Genesis Shield 25% +10% Accuracy
    +5% Fire Rate Absorbs projectiles into your magazine.
  • Amped Shield 25% -30% Weapon Sway
    +5% Damage Taking damage stacks +5% Damage.
    Each stack lasts 6s.
  • Redirect Shield 25% -30% Recoil height
    +10% Accuracy Reflects melee/projectile damage back at attackers.

Predatory Lending - SMG Parts

A single number in the top right of parts shows its weighting, while no number means the weight of 1. The higher a part's weight the greater the chance to occur.
You can only get 1 Part per Category, if not specified.

Body Accessories:
2 OR 3
  • Accessory A
    +10% Damage
  • Accessory B
    +25% Weapon Shield
  • Accessory C
    +10% Crit Damage
Grips:
  • Grip 1
    -5% Reload Time
    +5% Fire Rate
  • Grip 3
    +10% Crit Damage
    +5% Damage
Rail:
  • Rail 1
    +15% Weapon Shield
  • Rail 2
    -5% Reload Time
  • Rail 3
    +10% Magazine Size
    -10% Accuracy
    -5% Damage

Predatory Lending - Buffs/Nerfs

Predatory Lending
How to Farm

Predatory Lending
Assigned Loot Pool

Predatory Lending
Dedicated Drop

Dedicated Drop

Dedicated Drop

Dedicated Drops are weapons that only drop from its dedicated sources.
Unlike World Drops who can drop almost everywhere at a small chance.

Predatory Lending
Drop Rates

  • Crawly Larva x4
    3.75%
The number next to the Source notes Loot Luck.

Wonderlands
Loot Luck Formula

P% =
1.2L0.27 × 100
1.2L0.27 + 100

P = Dedicated Loot Pool Chance
L = Loot Luck

Predatory Lending
Grinder Recipe

SMGSMGplusAny Legendary WeaponSMGplusAny Legendary WeaponAny Uncommon WeaponequalsSMGSMG
SMGAny Legendary WeaponplusAny Legendary WeaponplusClaptrap DLC Legendriesequals
Sniper LegendaryEpic or Legendary ShotgunEpic or Legendary PistolShotgun Legendary

⚙️ Recipe for mentioned chances

Predatory Lending
Dedicated Sources

Lavender Crawly

Lavender Crawly

The Droughts
Legendary Hunt

Alternative SMGs for your build

buffed itemnerfed itemnew item
9-Volt

9-Volt

Base Game
buffed itemnerfed itemnew item
Ashen Beast

Ashen Beast

Psycho Krieg
buffed itemnerfed itemnew item
Bitch

Bitch

Base Game
buffed itemnerfed itemnew item
Blood-Starved Beast

Blood-Starved Beast

Psycho Krieg
buffed itemnerfed itemnew item
Boomer

Boomer

Handsome Jackpot
buffed itemnerfed itemnew item
Cheap Tips

Cheap Tips

Handsome Jackpot
buffed itemnerfed itemnew item
Cloud Kill

Cloud Kill

Base Game
buffed itemnerfed itemnew item
Crader's EM-P5

Crader's EM-P5

Base Game
buffed itemnerfed itemnew item
Crit

Crit

Base Game
buffed itemnerfed itemnew item
Crossroad

Crossroad

Base Game
buffed itemnerfed itemnew item
Cutsman

Cutsman

Base Game
buffed itemnerfed itemnew item
D.N.A.

D.N.A.

Base Game
buffed itemnerfed itemnew item
Dark Army

Dark Army

Designer's Cut
buffed itemnerfed itemnew item
Destructo Spinner

Destructo Spinner

Base Game
buffed itemnerfed itemnew item
Devoted

Devoted

Base Game
buffed itemnerfed itemnew item
E-Gone

E-Gone

Base Game
buffed itemnerfed itemnew item
Ember's Purge

Ember's Purge

Handsome Jackpot
buffed itemnerfed itemnew item
Flipper

Flipper

Bounty of Blood
buffed itemnerfed itemnew item
Gold Rush

Gold Rush

Director's Cut
buffed itemnerfed itemnew item
Handsome Jackhammer

Handsome Jackhammer

Base Game
buffed itemnerfed itemnew item
Hellfire

Hellfire

Base Game
buffed itemnerfed itemnew item
Hyperfocus XZ41

Hyperfocus XZ41

Base Game
buffed itemnerfed itemnew item
ION LASER

ION LASER

Handsome Jackpot
buffed itemnerfed itemnew item
Just Kaus

Just Kaus

Handsome Jackpot
buffed itemnerfed itemnew item
Kaoson

Kaoson

Base Game
buffed itemnerfed itemnew item
Kevin's Chilly

Kevin's Chilly

Base Game
buffed itemnerfed itemnew item
Kyb's Worth

Kyb's Worth

Base Game
buffed itemnerfed itemnew item
LOV3M4CH1N3

LOV3M4CH1N3

Base Game
buffed itemnerfed itemnew item
Long Musket

Long Musket

Base Game
buffed itemnerfed itemnew item
Mother Too

Mother Too

Bounty of Blood
buffed itemnerfed itemnew item
Needle Gun

Needle Gun

Revenge of the Cartels
buffed itemnerfed itemnew item
Night Hawkin

Night Hawkin

Base Game
buffed itemnerfed itemnew item
Oldridian

Oldridian

Guns, Love, and Tentacles
buffed itemnerfed itemnew item
P.A.T. Mk. II

P.A.T. Mk. II

Psycho Krieg
buffed itemnerfed itemnew item
P.A.T. Mk. III

P.A.T. Mk. III

Psycho Krieg
buffed itemnerfed itemnew item
P2P Networker

P2P Networker

Datamined
buffed itemnerfed itemnew item
Plasma Coil

Plasma Coil

Designer's Cut
buffed itemnerfed itemnew item
Polyaimourous

Polyaimourous

Broken Hearts Day
buffed itemnerfed itemnew item
Predatory Lending

Predatory Lending

Base Game
buffed itemnerfed itemnew item
Pricker

Pricker

Base Game
buffed itemnerfed itemnew item
Proprietary License

Proprietary License

Bounty of Blood
buffed itemnerfed itemnew item
Redistributor

Redistributor

Base Game
buffed itemnerfed itemnew item
Redistributor

Redistributor

Base Game
buffed itemnerfed itemnew item
Ripper

Ripper

Base Game
buffed itemnerfed itemnew item
SF Force

SF Force

Guns, Love, and Tentacles
buffed itemnerfed itemnew item
Short Stick

Short Stick

BL3 Loyalty Reward
buffed itemnerfed itemnew item
Sleeping Giant

Sleeping Giant

Base Game
buffed itemnerfed itemnew item
Smart-Gun

Smart-Gun

Base Game
buffed itemnerfed itemnew item
Smog

Smog

Base Game
buffed itemnerfed itemnew item
Ten Gallon

Ten Gallon

Base Game
buffed itemnerfed itemnew item
The Boo

The Boo

Base Game
buffed itemnerfed itemnew item
The Emperor's Condiment

The Emperor's Condiment

Base Game
buffed itemnerfed itemnew item
Torrent

Torrent

Designer's Cut
buffed itemnerfed itemnew item
Troubleshooter

Troubleshooter

Director's Cut
buffed itemnerfed itemnew item
Tsunami

Tsunami

Base Game
buffed itemnerfed itemnew item
Vanquisher

Vanquisher

Base Game
buffed itemnerfed itemnew item
Vault Hero

Vault Hero

Vault Insider Program
buffed itemnerfed itemnew item
Vibra-Pulse

Vibra-Pulse

Base Game
buffed itemnerfed itemnew item
Westergun

Westergun

Base Game