How Does the Loan System Work?

The loan system lets members borrow points from the server bank and repay them over time with interest. Server admins can configure the terms, and borrowers who don't repay on time will have their assets frozen until the debt is settled.

Written By Adam

Last updated 25 days ago

Borrowing Points

Use /loan borrow to take out a loan. The amount you can borrow is based on two limits — whichever is lower applies:

Your balance limit, a multiple of your current balance (default: 2×)
Bank limit, a percentage of the server's bank balance (default: 50%)

For example, if you have 1,000 points and the bank has 500 points, your maximum loan would be 250 points (50% of the bank).

You can only have one active loan at a time. You'll need to fully repay it before taking out another.

Interest

Loans accrue interest over the life of the loan. Interest is a fixed percentage of the principal, calculated proportionally based on how much of the loan period has elapsed — not compounding.

The default interest rate is 15%. Your server admin may have configured a different rate.

Use /loan status at any time to see exactly how much you currently owe, including accrued interest.

Repaying

Use /loan repay to make a payment. You can:

Specify an amount to make a partial payment
Leave the amount blank to repay the full balance at once

Partial payments are recorded and reduce your remaining balance. The bank receives the funds back as you repay.

Due Dates and Grace Periods

Every loan has a due date (default: 30 days) and a grace period after that (default: 7 days). This gives you a window to repay even after the due date passes without immediate penalty.

Period	What it means
Before due date	Loan is active, spending is unrestricted
After due date, within grace period	Loan is overdue, repay as soon as possible
After grace period expires	Assets are frozen

Asset Freezing

If your grace period expires without full repayment, your assets are frozen. While frozen, you cannot:

Pay points to other members
Purchase items from the shop
Gift items
Play coinflip or dice

Your balance remains intact, it's just locked until the loan is repaid. Once you fully repay the loan with /loan repay, your assets are unfrozen immediately.

Checking Your Loan Status

Use /loan status to see a full breakdown of your current loan:

Principal amount borrowed
Interest rate and accrued interest
Total amount owed
Amount already repaid
Remaining balance
Due date
Estimated weekly payment to repay on time
Full payment history

The embed is color-coded: green when everything is on track, orange when overdue but within the grace period, and red when the grace period has expired or assets are frozen.

Server Configuration

Server admins can adjust the loan system from the Settings page. The following can be configured:

Setting	Default	Description
Loans enabled	On	Enable or disable the loan system entirely
Interest rate	15%	Percentage of principal charged as interest
Balance multiplier	2×	Maximum loan as a multiple of the borrower's balance
Bank percentage	50%	Maximum loan as a percentage of the server bank
Loan period	30 days	How long borrowers have to repay
Grace period	7 days	Extra time after the due date before assets are frozen

Loan settings can be changed at any time in your server settings.