Loans
Summary
Section titled “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
Section titled “1. Eligibility”To take out a loan, you must:
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Be Discord-verified (linked account)
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Have a positive social score (negative scores make you ineligible)
2. Maximum Loan Calculation
Section titled “2. Maximum Loan Calculation”Your maximum loan is determined by a series of factors applied in order:
Loan Limit Factors (applied sequentially)
| 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 |
3. Fee Structure
Section titled “3. Fee Structure”Loans carry a one-time origination fee calculated using a tiered system:
Loan Fee Tiers
| 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:
4. Repayment
Section titled “4. Repayment”Loans can be repaid through:
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Manual repayment — using the bank command in-game
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Auto-repayment — a portion of UBI and delivery profits is automatically applied
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Vehicle sale proceeds — 50% of vehicle sale value is applied to loans