Ok thank you

Still good to go for V1.56

1.56 ?

Ok thank you

Well, kinda two weeks late here due to a bad headache but...

The current version is good for V1.54. Honestly their is very little in the two files thats edited by this mod, so unless they decide to add in new special events upon leveling up this mods likely to stand the test of time.

Ok thank you

I will take a look at it soon as I can.

Can You this update for 1.54 please ?

@Ruan Your looking for bank_data.sii in the universal/def directory.

BTW... If I remember right my payments were actually calculated using the default values just increased due to the interest on the value that you withdraw. ;)

Hi, which file do I access to change the loan? I would like to keep mine with lower daily payments, closer to the real thing. Thanks for your atention!

@Box what level is your character? As the credit lines open up as you level up.

I might just be dumb, but it doesn't work on my part

@Numb Nuts, LOL! Live the American dream my friend!

Thank you all, and I am glad this is still working.

Now I can be in massive debt like a proper American.

nice work

Would like to ask in what world do you pay loan payments per day instead of monthly?

They do, once you hit level 35.

Nice mod i think i'll be in debt in no time ;)
I'm dumb and read the description wrong. Thought the loans went up to 10m

Easiest way is to download this mod and use it... You can change the file to your desire from there your Steam workshop directory,) much easier then having to extract the entire game to get the file yourself.

how do you get to bank_data.sii?

Within bank_data.sii you can modify the loans as you desire (use any text editor):

bank_loan_data: bank.data.loan1
{
amount: 125000
interest_rate: 0.23 # 23 %
duration: 8 # in weeks
}

Just change the 0.23 (the percentage amount) to what you choose... Please note this will not effect ANY current loans that had already been accepted, only new loans after it would be modified.

Can you increase the loans interest %

Roger roger!

Shouldn't be a problem with updates unless the devs decide to add in any level up unlocks / rewards. I dont have easy access to my main PC right now to verify however.

1.39?

great mod

Thx

I do not have any other mods that alter economy or garage. I did the file verification and tried again and unfortunately it didn't work. Thanks for trying though

Do you have any mods that alter the garage in any way? As this mod would have nothing to do with that issue. If you do not have any mods that effect the garage I would suggest running a file verification through Steam and see if that solves your issue.

after i take out a 1mill loan and try to expand my garage my game crashes

And by the way, nice mod.

Then that's my fault, thanks for explain that for me.

I just verified I did not change the interest rates...

Vanilla :
bank_loan_data: bank.data.loan4
{
amount: 400000
interest_rate: 0.12 # 10 %
duration: 10 # in weeks
}

Modded :
bank_loan_data: bank.data.loan4
{
amount: 1000000
interest_rate: 0.12 # 10 %
duration: 20 # in weeks
}

However the duration was modified to make the payments easier to achieve.

If I remember right... The mod did not change the way the interest was calculated and I only unlocked the capability to have larger loan amounts.

looks like the interest rate is wrong?
amount: 1000000
interest_rate: 0.12 # 10 %
duration: 20 # in weeks
should it be "interest_rate: 0.10 # 10 %"?

PODIAM CRIAR UM MOD PRA DIFICULTAR A VIDA FINANCEIRA JUROS DO BANCO MAIS CARO MULTAS MAIS CARAS

this mod is still working on 1.36

Yes, I just verified the two files for this mod were not changed in the current update. Good to go for V 1.3.5!

does this work in 1.3.5

Updated for 1.3.2
(Trailers will now unlock at level 5)

Increased max credit to $10,000,000 by level 35

This mod does increase the loan options to 500k and also 1 Mill. It also increases the Max Credit Limit...

As soon as I figure out how to update through Steam I have the mod ready for release.

To be honest the max amount of loans needs to be changes to something near 500,000. 250,000 is not enough considering prices of trucks and trailers

Due to the trailer ownership update this mod finally actually needs an update that I am now working on. I should have it ready within the next day or two.

Anyone have any thoughts on the loan offering amounts? Are they good as they are here or do they need tweaked further? I could also revert the loan offerings to vanilla offers and just increase the credit limit based on player level progression.

the game had an update,need to up date this mod please....

i cant get it to work in my mod manager.

i need more xp now, but yea thanks for this it has helped

Thx

Yes, I have just checked to make sure they didn't update anything. Chances are the two files that this mod adjusts wont get changed actually.

Filenames below :
special_event_data.sii
bank_data.sii

@mbrooks159, is or has this been updated to 1.28+(latest update) Thx

100 persent works