Loans & Credit Score

Loan settings live in config/loans.lua. Players borrow from configurable tiers, pay on a schedule, and build a credit score that decides which tiers they can request.

Loan tiers

tiers = {
    { id = 'starter', label = 'Starter Loan', amount = 5000, interest = 5, termDays = 30, intervalHours = 24, minCredit = 200 },
},

The interest is added once. A $5,000 loan at 5% over 30 days is $5,250 in 30 payments of $175. A player can have one running loan.

Payments

Payments are taken from the personal account when due, for offline players too. After downtime they run in order.

Situation	Result
Enough money	Payment made, score rises
Not enough money	Payment missed, score falls
`defaultAfterMissed` misses in a row	Loan defaults, score falls hard

The total stays open after a missed payment, and payments continue past the planned end until it is paid or the loan defaults. Pay Loan offers the next payment ahead of time, or everything at once. Paying everything waives earlyPayoffDiscount percent of the open interest and gives a score bonus. Cancel Loan works for cancelMinutes after taking the loan, if nothing was paid yet: the player returns the amount plus cancelFeePercent. Set cancelMinutes = 0 to turn it off.

Credit score

credit = {
    start = 300, min = 0, max = 1000,
    bands = { { from = 0, key = 'poor' }, { from = 250, key = 'normal' }, { from = 500, key = 'good' }, { from = 750, key = 'excellent' } },
    changes = { paymentOnTime = 2, paymentMissed = -15, loanPaidOff = 25, earlyPayoff = 10, loanDefault = -100 },
},

Each tier’s minCredit decides who can request it. Unpaid City Hall bills and taxes can lower the score too: see City Hall.

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Helpful

Assets

Loan tiers

Payments

Credit score

​Loan tiers

​Payments

​Credit score

Loan tiers

Payments

Credit score