Loans

A player borrows from the Loans page in the full bank. The money lands in their personal account straight away and is collected back in daily installments.

Taking a loanCopy Anchor Link

The player picks an amount and a term, and the page shows what they repay, per day, and the interest before they press Borrow. With the defaults:

What they repay is the amount plus the interest, rounded to a whole unit, and each day's installment is that divided by the term, rounded up. Borrowing 10,000 over 7 days at 10% means repaying 11,000, at 1,572 a day.

A player can have one loan at a time. Loans can't be taken or paid at an ATM.

RepayingCopy Anchor Link

• One installment is taken from the personal account each day, while the player is online: the bank checks every 5 minutes, and 20 seconds after they join. Days they were away are collected together when they come back.
• The player can pay more at any time from the Loans page, up to what is left, and pay it off early.
• A day the balance can't cover counts as a miss, and the bank tries again a day later. The player is told each time.
• At the missed limit the loan defaults. A defaulted loan is no longer collected each day, and blocks new loans until the player pays off what remains from the Loans page or an admin writes it off.

AdminCopy Anchor Link

In /bankadmin > Loans you see every loan, filtered by active, defaulted or paid, with what has been repaid and how many installments were missed. Write off closes a loan as paid; nothing more is collected, and the player is told if they are online. The dashboard shows how much is out on loan in total, and a player's account page shows their loan.

Loans are set under Config > Loans; see Configuration. Other resources can read a player's loan with GetLoan.