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Predatory Lending
Updated: Sep 05, 2023
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 - unique Ability

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

Predatory Lending - Variants

  • 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

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 Accessory2-3

  • Body_A83.3%+10% Damage
  • Body_B83.3%+25% Weapon Shield
  • Body_C83.3%+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

Scope0-1

  • Scope_12.6x Zoom
  • Scope_21.5x Zoom
  • Scope_32.2x Zoom

Element0-1

  • Fire8.2%-20% Damage
  • Shock8.2%-20% Damage
  • Corrosive8.2%-20% Damage
  • Cryo8.2%-15% Damage
  • Radiation8.2%-25% Damage

Predatory Lending - Changelog

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%=1.2L0.27×1001.2L0.27+100

P = Dedicated Loot Pool Chance
L = Loot Luck

Predatory Lending
Grinder Recipe

This recipe requires 1+ DLC-Legendary!
SMGSMGAny Legendary WeaponplusAny Legendary WeaponSMGplusAny Legendary WeaponAny Uncommon WeaponequalsSMGSMGEpic or Legendary PistolEpic or Legendary Shotgun
The Grinder⚙️ recipe for the displayed chances.
Consoles may have a better recipe that's the best on PC.

Predatory Lending
Dedicated Sources

Lavender Crawly

Lavender Crawly

The Droughts
Legendary Hunt