Loans & credit

• The player borrows up to their available limit; the bank works out the interest for the whole term up front and adds it to what’s owed.
• The total splits into fixed installments, auto-collected from the borrower’s personal account on a schedule.
• Interest is simple and charged over the full term, baked in at the start - settling early doesn’t dodge it.
• Paying on time raises credit; missing payments lowers it and adds fees.

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Master switches

Config.Loans = {
    enabled          = true,   -- the whole loans system
    borrowingEnabled = true,   -- allow NEW debt
    ...
}

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How interest works

dailyRate = {
    -- Base daily rate by credit band - highest band the score reaches wins (better score = cheaper).
    byScore = {
        { minScore = 0,   pct = 1.6  },
        { minScore = 300, pct = 1.2  },
        { minScore = 500, pct = 0.8  },
        { minScore = 700, pct = 0.5  },
        { minScore = 850, pct = 0.35 },
    },
    -- Extra %/day on bigger loans - first band the amount fits into (upTo = nil catches the rest).
    sizeSurcharge = {
        { upTo = 100000, add = 0.0 },
        { upTo = 500000, add = 0.1 },
        { upTo = nil,    add = 0.2 },
    },
    allowOverride = true,   -- let an integrating script pass its own rate…
    overrideMin   = 0.0,    -- …clamped between this floor…
    overrideMax   = 3.0,    -- …and this ceiling
}

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The credit score

• Borrowing limit - the limit bands map score to a total credit cap (most a player can owe across all debt at once). Highest reached band wins; available credit is that limit minus current debt.
• Savings - higher tiers with better rates and caps require a minimum score. See Savings & interest.
• What moves it - creditDeltas reward on-time payments and completed loans, and penalise overdue debt daily (worsening each day down to a cap). Always clamped to 0-1000.

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When a payment is missed

• Grace (gracePeriodDays) - a short window before any penalty lands.
• Late fee (lateFeesEnabled, latePenaltyPercent) - a one-time fee, a percentage of the outstanding balance, added once when the payment goes late.
• Overdue - credit bleeds daily (the delinquent… deltas) and the bank auto-collects toward the debt, on bank open and on a timer.
• Default (autoDefaultAfterDays) - an asset loan (financed car/house) is handed back to the originating script to be repossessed and the player takes the loanDefaulted hit. A plain cash loan has nothing to repossess, so it just stays overdue - collected and decaying credit - until cleared. Set assetRepossession = false to make everything use the cash model (nothing is ever repossessed).

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Editable options