Updated: Feb 26, 2024

Borderlands 3Predatory Lending

Bullets are cheap, but not that cheap.

Content
Base Game
Weapon Type
SMG
Rarity
Legendary
Manufacturer
Hyperion
Elements

Predatory LendingAll Details

Max DPS

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 - Unique Ability

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

Predatory Lending - Variants

Elements
Listed Projectiles
Shot Cost
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

Weapons usually get one part per group, but sometimes multiple or none. Numbers in the top-right indicate the range of parts a group can have.
Parts usually have equal drop chances, or it's indicated nearby.

Body Accessory^2-3

Body_A^83.3%+10% Damage
Body_B^83.3%+25% Weapon Shield
Body_C^83.3%+10% Crit Damage

Grip

Grip_1+5% Reload Speed
+5% Fire Rate
Grip_3+10% Crit Damage
+5% Damage

Rail

Rail_1+15% Weapon Shield
Rail_2+5% Reload Speed
Rail_3+10% Mag Size
-10% Accuracy
-5% Damage

Scope^0-1

Scope_1_{2.6x Zoom}
Scope_2_{1.5x Zoom}
Scope_3_{2.2x Zoom}

Element^0-1

Fire^8.2%-20% Damage
Shock^8.2%-20% Damage
Corrosive^8.2%-20% Damage
Cryo^8.2%-15% Damage
Radiation^8.2%-25% Damage

Predatory Lending - Changelog

Predatory LendingHow to get it?

Base Game
General Farming Guidance

To collect and equip the Legendary Predatory Lending, you need to own the BL3 Base Game.

Base Game Items in Borderlands 3 are often obtainable from many sources, including those in DLCs. Here’s your quick start guide:

Farming Preparations

Identify the Best Source: The Sources below are generally ranked from best to worst. Make sure to complete any required quests and be aware of Source^Restrictions.
Locate the Source: Make sure you have unlocked the Location.
Equip Your Character: Equip your character to easily overcome enemies.
Set Spawn Point: Locate the nearest Save Station to use as your spawn point.

Bonus Tips

Combine Runs: Get more loot per run by integrating nearby sources into your farming route.
Track Progress: Track your runs to more precisely predict drops and more clearly monitor progress. Additionally, time your runs to see how tweaks affect your farming efficiency.
Speed it up: Explore shortcuts and boost your movement speed to minimize travel time. Also, aim to shorten your time to kill with higher DPS or big damage bursts.
Realistic Expectations: Be patient and persistent when farming. Despite precise, verified drop rates, your actual runs might exceed or fall short of inferred expectations.