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Drop bank loan fees
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I think dropping the bank fee for loans would go a long way towards the loan system seeing more use. As is the idea of making profit from loans is just… Not, takes just one bad one to undo potential interest profit from multiple ones, and then you got the 10% NPC sink paid up front on the top of it, making it pretty expensive to use, and cutting into the possible income further.

Thus abolish said fee, and hopefully that will see even more loans going through the terminal, and more capital flow can be only good for the game.

By Froggy at Oct 8, 2025, 11:29 PM | 0
Loans can be arranged without the bank, thus saving on fees. With the fees come certain legal assurances and privileges that you don't get otherwise.
By Logic at Oct 8, 2025, 11:32 PM | 2
With how volatile the game is (aka someone can just stop playing for whatever reason, even outside of their control) doing any meaningful sums off-terminal just seems like a horrible idea.

It still would come with downsides of being exposed to 3rd parties etc, it's not like that would remove the use for off-terminal loans, just hopefully with that one less barrier to entry, they would be used more, especially for smaller sums.

By Froggy at Oct 8, 2025, 11:36 PM | 0
If you're worried about losing your chyen because someone stops playing, use the bank terminal that has the built-in protection. Plus the benefits Logic mentioned. If you don't want to pay the fees, don't use the bank. All systems have checks and balances, this is the one the bank system has and was made so PCs can loan to each other rather than limiting large, protected loans to corporate PCs from NPCs only - which was the prior system.

(Edited by crashdown at 11:39 pm on 10/8/2025)

By crashdown at Oct 8, 2025, 11:38 PM | 0
The danger of loans is part of the game. I remember the stated purpose of the bank loan terminal when it was first implemented was to encourage loaning to immigrants (who are the most volatile, since they could leave at any time). Without it, an immigrant could just vanish and that investment would be gone forever.

If you're loaning to established characters you can just take the risk.

By BubbleKangaroo at Oct 8, 2025, 11:40 PM | 2
And on that immie loan of 30k, you start by having to pay 3k into the system, and then whatever interest makes sense on top. Or that immigrant can just not spend anything, and hustle smart for a week, and not use the loan at all, plus save the 9-10k the loan would cost. Instead of being able to loan them flat out 30k, at 3k interest, where it becomes a reasonable option.

But that's all, that's the idea to make it more accessible.

By Froggy at Oct 8, 2025, 11:43 PM | 0
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