Loan

A loan is a way to borrow money from the civilian population. An avatar can take a loan up to its credit limit, which is dependent on the avatar's reputation.

There is no interest rate and no penalty for not paying back a loan. The current account balance shown on the Gear (F4) window is however displayed in red while money is owed.

Credit limit

The credit limit for an avatar dependent on its reputation.

The exact math is:

credit limit = (reputation + 0.5) * 100'000

This means that with a reputation of 0, it is still possible to loan up to 50'000¢. But if the reputation is negative, it is not possible to make a loan at all.

Bank Money Limit

Banks loan money from the citizen accounts of a city. An amount is held in reserve, so the citizens don't go bankrupt.

reserved amount = (population x 1000) + 1000

They will loan whatever remains after that.

Taking a Loan

Requesting a loan clearly states the credit limit.

Paying off a loan is simple as this.

A loan must be made at a bank, and the city's citizen accounts must hold enough money.

The top part displays the current loan amount and has options to request a loan or pay off a loan.