Money Lending & Other Sins III is a mission in Red Dead Redemption 2.

Mission overview

Arthur attempts to reclaim the debt from Thomas Downes but finds him to be destitute.


Arthur Morgan arrives at the Downes Ranch to collect Thomas Downes' debt. Downes previously borrowed money from Leopold Strauss, who sent Arthur to collect the money. When Arthur arrives, he encounters Downes in the garden. Arthur confronts Downes, who tries to hit him with a rake. Arthur blocks it, and intimidates Downes, who says he doesn't have the money. Arthur beats Downes until Downes' wife notices what's happening and tells Arthur to leave, warning him that Thomas isn't well.

Gold Medal Objectives

  • Complete within 2 minutes and 10 seconds.


  • This mission is a major turning point for Arthur, as Downes coughs in his eye and gives him tuberculosis, leading to Arthur's eventual demise.
  • UnlIke the other money lending missions, you must complete this mission to proceed the story line.
  • When Arthur is reading a letter from Mary Linton, a cutscene may play where Strauss will tell Arthur to pay Thomas a visit, therefore triggering the mission, forcing the player to complete it as it cannot be abandoned.

Video walkthrough


Red Dead Redemption 2 mission walkthroughs
Chapter 2: Horseshoe Overlook
"Who is Not Without Sin""A Quiet Time""Exit Pursued by a Bruised Ego""The Spines of America""Blessed are the Meek?""Polite Society, Valentine Style""Good, Honest, Snake Oil""Pouring Forth Oil I""Pouring Forth Oil II""Pouring Forth Oil III""Pouring Forth Oil IV""A Fisher of Men""Americans at Rest""The First Shall Be the Last""Paying a Social Call""Money Lending and Other Sins I""Money Lending and Other Sins II""Money Lending & Other Sins III""We Loved Once and True I""We Loved Once and True II""We Loved Once and True III""The Sheep and the Goats""An American Pastoral Scene""A Strange Kindness"
Chapter 1Chapter 3Chapter 4Chapter 5Chapter 6Epilogue, Part 1Epilogue, Part 2
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