Loan Shark
about 24 hours ago
DAS_LOBOTOMIST
109 Total Respect
DAS_LOBOTOMIST
109 Respect
about 24 hours ago
Last Edited 23/08/2026, 15:35:32
First MVP
You ranked #1 in ticket contribution for the Arana Territory Bounty.
17:31:15 04/08/2026
Responses
about 23 hours ago
SCOTIA
13 Total Respect
SCOTIA
13 Respect
about 23 hours ago
Based on the global talks--
If players themselves can become sharks, perhaps a portal/town area where sharks can post offers.
I.e. DAN offers $1b, and can set (within a range) his own interest and payback schedule.
A player can offer to loan 200m (if they have enough value to do so), at Dans 10%, for 30 days. Dan receives this offer, and in the same portal can view the player's activity streak to ensure a likelihood of being paid back.
Instead of just putting 1b into the loan portal for anyone to claim, giving the sharks the ability to accept or deny offered terms from players if they find the offers favorable.
Greater principle lowers the interest range and vice versa, but education courses can move these ranges to more favorable positions for the sharks.
If a player is delinquent for more than X days, money received from Jobs, Expeditions, Market sales, Mugging, but NOT trades will be garnished and sent directly to a claimable area for the shark to collect when ready.
My cat is cuter than yours
about 21 hours ago
MARLIS
116 Total Respect
MARLIS
116 Respect
about 21 hours ago
This idea has similar issues to the referenced suggestion. What if someone manipulates some random item price up and then just never repays the loan? I like Scotia's idea though, that's also something I had in mind that could work.
I'm not sure how well this would really work in practise though, I remember IRON offered a similar service but had to close it down after there were too many too many sharks with no fish, metaphorically speaking. Although an official feature has more exposure and is more likely to be seen by new players.
Building off of a new post here. Credit for the original idea is due RAIZ0 and SHIPPUDEN06.
Loan Shark
New Unique NPC who will issue loans against your collateral. Not a profitable strategy, just quick cash.
Collateral items can be any item with a value calculated by the game and you can take out a loan equal to 75% of the collateral goods. Example you put up an Item for 1m collateral you can receive a loan of 750k. This scales based on the amount loaned, with a maximum loan of 500m at 10% interest with an additional 5% per day with a maximum interest of 40%
You have 7 days to pay back the loan, each level of interest accruing at 00:00 LPT so when you take out your loan can hurt you. After Day 7 your collateral is deleted and a bounty of your interest charges is placed on you in 10 different bounties as well as a 30 day blacklist from the Loan Shark. (Example: a 500m loan by day seven would owe 700m back to the Loan Shark. Your collateral of 3,125 Paste valued at 200k a piece would be gone forever and 10, 20m bounties would be placed on you.)
In summary, it's a Loan Shark! They will screw you over, you are desperate, need cash and this is the fastest way you can do it. He is not a nice guy and he will always profit off of you and make your life hell for a day.
Things I am still mulling over are the interest rates for the loan Shark. I feel I wrote it in a way that does not make it easy to abuse. This is just for quick cash with serious risks involved. The only way to profit on a large scale loan would be to buy something from someone for a hot deal or make more than 50m in the deal. Which to me is a margin most traders don't want to miss out on. Otherwise this service feels gritty and balanced outside of the players favor. But we've all been there needing quick cash.