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Loans and credit score

Players take loans at a branch in the Loans tab. How much they can borrow, and at what rate, depends on their credit score.
Loans screen with credit score, loan tiers and repayment options

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Credit score

The score runs from 300 to 850. It starts at Config.CreditScore.Base and changes with: All weights are in Config.CreditScore.

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Loan tiers

The highest tier the score reaches sets the largest loan and the interest rate:
config.lua
The rate is a flat percentage on the whole loan: $10,000 at 9 % means $10,900 to pay back, split into equal installments.

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Taking a loan

  1. Enter the amount (up to the tier’s maximum).
  2. Pick the number of installments.
  3. Review the total and the installment, then confirm.
The money is paid into the checking account right away. A player can have MaxActive loans at the same time (default 1) and cannot take a new loan while a defaulted loan is still open or when the score is below the first tier.

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Installments

Every IntervalHours (default 24 hours) one installment is taken from the checking account automatically.
  • When the account cannot cover it, the installment counts as missed and a late fee of LateFeePercent of one installment is added to the loan.
  • After DefaultAfterMissed missed installments (default 3) the loan is marked as defaulted. That lowers the credit score and blocks new loans; the installments keep running until the loan is paid off.
  • Players can repay early, all at once or in parts, from any account they may transfer from.
The checking account is the player’s framework bank money, which can only be charged while the player is online. Installments wait until the player is back instead of counting as missed.