Loans
Summary
The Bank of ASEAN offers loans to verified citizens. Loan amounts are determined by driver experience, earnings history, and social standing. Interest is charged as a one-time fee at origination.
1. Eligibility
To take out a loan, you must:
- Be Discord-verified (linked account)
- Have a positive social score (negative scores make you ineligible)
2. Maximum Loan Calculation
Your maximum loan is determined by a series of factors applied in order:
| Step | Factor | Details |
|---|---|---|
| 1 | Base loan | $10,000 + (driver_level × $3,000) + (truck_level × $3,000) |
| 2 | Social score modifier | Multiplied by (1 + social_score × 0.05). Negative scores reduce, positive increase. |
| 3 | Bank policy cap | Hard cap at $6,000,000 |
| 4 | Earnings history cap | Capped at 5× your total lifetime delivery earnings |
New players will typically be limited by the earnings history cap. As you complete more deliveries, your borrowing capacity naturally grows.
3. Fee Structure
Loans carry a one-time origination fee calculated using a tiered system:
| Tier | Portion of Loan | Interest Rate |
|---|---|---|
| Tier 1 | First 50% of max loan | 10% |
| Tier 2 | Next 25% of max loan | 20% |
| Tier 3 | Next 12.5% of max loan | 30% |
| Beyond | Remaining | 30% |
The fee is further adjusted by your credit score:
Credit score 0 → fee × 2.0 (doubled)
Credit score 100 → fee × 1.0 (no change)
Credit score 200 → fee × 0.5 (halved)
Credit score 100 → fee × 1.0 (no change)
Credit score 200 → fee × 0.5 (halved)
4. Repayment
Loans can be repaid through:
- Manual repayment — using the bank command in-game
- Auto-repayment — a portion of UBI and delivery profits is automatically applied
- Vehicle sale proceeds — 50% of vehicle sale value is applied to loans
! Non-performing loans: If you fail to repay at least 10% of your loan balance within 7 days, your loan is classified as non-performing (NPL). This severely impacts your credit score and may restrict future borrowing. See Credit Score for details.