Help >> Frequently asked questions

What are banks? How do I apply for a loan?

The bank in the game is similar to a bank in real life, you can only access the bank screen if you are at a planet at which time the Bank link will appear in the left hand menu.

Banks are used to obtain loans, allowing you to purchase more goods or buying that upgrade you've been needing. When you are in the bank screen you will see a list detailing the current loan rates, under this will be listed your maximum loan amount that you are eligible to take out. This is based on several factors such as score/mission rating/current cash/etc. And will be anywhere from a minimum of 2,000 credits to 50,000 credits.

Once you have decided how much you wish to take out you can enter the amount in the box then select over what time period you wish to make repayments, after that click submit. You will be then asked to confirm your choice after which you will be given the money and told details of your transaction.

After obtaining a loan the game will automatically take payments from your account every week, from the time you started the loan until the loan is repaid. If you wish to pay the loan back sooner this can again be done through the bank page, just go to the bank and enter in the box the amount you wish to repay, that amount will then be deducted from your cash and cleared from your loan.

Note: If you already have a bank loan you can access the bank at any time to get details of your loan but you can only make payments at a planet (you can make repayments at any planet, you do not have to return to the planet you got the loan from).

Note: If your ship has recently been destroyed and you are in your capsule you will automatically be eligible for a 40k loan (provided you don't already have a loan out).

Note: You may only take out one loan at a time, you cannot take out another loan until the first one is repaid.