Universal Bank
Bank loans
Borrow credits from the Universal Bank and repay them in fixed installments with interest. Your credit score decides whether you can borrow and how much.
Universal Bank
Level 3 or higher in any of your settlements
Starting credit score
70
Minimum credit score
60
Late installment
Adds 5% of the interest still owed
Loans
Installments are collected automatically on schedule.
- 1,000, 14 daily installments 1% per installment · Universal Bank level 3
- 1,000, 8 weekly installments 3% per installment · Universal Bank level 3
- 1,000, 4 monthly installments 8% per installment · Universal Bank level 3
- 5,000, 14 daily installments 1% per installment · Universal Bank level 5
- 5,000, 8 weekly installments 3% per installment · Universal Bank level 5
- 5,000, 4 monthly installments 8% per installment · Universal Bank level 5
- 10,000, 14 daily installments 1% per installment · Universal Bank level 7
- 10,000, 8 weekly installments 3% per installment · Universal Bank level 7
- 10,000, 4 monthly installments 8% per installment · Universal Bank level 7
- 25,000, 14 daily installments 1% per installment · Universal Bank level 9
- 25,000, 8 weekly installments 3% per installment · Universal Bank level 9
- 25,000, 4 monthly installments 8% per installment · Universal Bank level 9
Credit limit
Your total debt may reach the largest loan you have unlocked × 2 × your score's multiplier. You cannot borrow while a loan is overdue or in default.
- Score 60+ × 0.5
- Score 70+ × 1
- Score 80+ × 1.5
- Score 90+ × 2
Credit score
- On time Each installment paid on time raises it.
- Repaid +2 for a loan repaid after at least one on-time installment.
- Missed A missed installment lowers it. Three in a row put the loan in default.
- Early payment Pay ahead to shorten the term or lower the installments.