Loans & Credit

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How Loans Work

1. Apply — Player submits a loan application at a bank

2. Review — Loan is auto-approved (score 700+) or requires banker approval

3. Disbursement — Approved amount is deposited into the player's account

4. Repayment — Player makes payments before the term ends

5. Completion — Loan marked as paid, credit score improves

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Loan Types

Personal Loan

• $1,000 - $100,000

• 7 to 90 day terms

• Min credit score: 400

• Up to 2 active personal loans

Business Loan

• $1,000 - $250,000

• 14 to 180 day terms

• Min credit score: 550

• Must have a job (not unemployed)

• 1 active business loan max

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Credit Score

Every player starts with a credit score of 500 (range: 300 - 850).

How to Improve

Action	Points
Repay a loan on time	+30
Account age (per cycle)	+5 (max +50)
Pay invoice on time	+5 (max +50)

What Hurts Your Score

Action	Points
Loan default	-150
Late payment	-25
Overdue invoice	-15 (max -75)

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Overdue Loans

Stage	What Happens
Due date passed	24-hour grace period begins
After grace period	2% penalty rate applied
5 missed payments	Loan defaults, -150 credit score

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Banker Approval

Loans that don't qualify for auto-approval need a banker:

Grade	Max Approval
Teller (0)	Cannot approve
Associate (1)	$25,000
Manager (2)	$100,000
Director (3)	$500,000