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Like I said, we ain't nobody's idea of charity. Get us the money!
Arthur Morgan to the Downes family.

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 and in the process, he coughs blood in his face. Arthur shrugs this off and continues demanding the money from Downes until Downes' wife notices what's happening and tells Arthur to leave, warning him that Thomas isn't well. Arthur rides back to camp and berates Strauss for lending them the money.

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 with the storyline.
    • In addition, it is impossible to prevent Downes from coughing blood on Arthur. He will do so even if Arthur does not strike him and any facial wear will be removed like most cutscenes. Thus making it impossible to prevent Arthur from contracting tuberculosis.
  • 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.
  • At the start of the mission, when Arthur approaches Downes to collect the debt from him, the latter futilely tries fighting him before begging him with "Please... I have a family, sir... please", a line Arthur later remembers on his final ride back to camp in the "Red Dead Redemption" mission if his Honor is low.
  • When approaching Strauss at the end of the mission, several vultures can be seen flying above where he's seated. This is ironic, since vultures take anything they can find and Strauss takes money from those who need it.

Video walkthrough


Though this mission and Parts I and II are not optional Honor story missions themselves, completing these can unlock the remainder of the story missions later on (all of them optional) and is thus associated with these trophies/achievements:

10 gamerscoregamerscore
Bronze bronzebronze
Reach maximum or minimum Honor level.


30 gamerscoregamerscore
Silver silversilver
Complete all optional Honor story missions.


50 gamerscoregamerscore
Silver silversilver
Earn 70 Gold Medals in Story missions.


100 gamerscoregamerscore
Gold goldgold
Attain 100% Completion.


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 Last""Paying a Social Call""Money Lending and Other Sins I & II""Money Lending and Other Sins III""We Loved Once and True I & II""We Loved Once and True III""The Sheep and the Goats""An American Pastoral Scene""A Strange Kindness"
Companion Activities
"Five Finger Fillet - Lenny Summers""Hunting - Charles Smith""Rob a Homestead - Javier Escuella"
Chapter 1Chapter 3Chapter 4Chapter 5Chapter 6Epilogue, Part 1Epilogue, Part 2