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.
Borrowing Points
Use /loan borrow to take out a loan. The amount you can borrow is based on two limits - whichever is lower applies:
- 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).
| 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 with /loan repay, your assets are unfrozen immediately.
Checking Your Loan Status
Use /loan status to see a full breakdown:
- 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 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 loan settings from the Settings page:
| 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.
What is Economy Mode?
Economy Mode controls how points flow through your server. You can choose between two modes depending on how you want to run your server's economy.
Why Am I Getting Points for Sending Messages?
Points can be configured to automatically reward members for sending messages in your server. If members are seeing their balance go up without using any commands, message rewards are most likely enabled.