SimCity Loans

SimCity Loans allows teen Sims and up to apply for in-game loans through your Sim’s computer. This introduces a realistic financial mechanic where Sims can borrow money and repay it under different terms, rather than relying on cheats or inheritance.

How It Works

Loan Application Flow: Sims access the mod via their computer under the “SimCity Loans” menu, where they can select a loan amount—they range from §1,000 up to §500,000.

Delivery of Loan Packet: After approval, a non-removable, non-deletable “Loan Packet” appears in the Sim’s inventory. This packet tracks their debt and repayment status.

Repayment Options:

Pay in full—no interest, but must be done quickly.

Installment Plans—divide the repayment over 12, 24, or 36 payments, with a 5% interest rate.

Late Payments & Penalties: If the Sim fails to pay within 48 hours, they receive a moodlet—and begin accruing daily late fees of 5% on the payment amount. Another moodlet appears if the debt remains unpaid longer.

What Happens on Death: If a Sim dies with an active loan, the Loan Packet moves to the household inventory. Another Sim can take over the debt using a “Take Over Loan” interaction. If the debtor Sim is resurrected, they can't reapply until they pay a forgiveness fee.

Additional Details

Single Loan Limit: Sims can only have one loan open at a time. Once paid off, they can use an option to destroy the packet and become eligible again.

Loan Forgiveness: Sims can request forgiveness for §1,000. After a waiting period, they may apply for a new loan.

Editor's Note:

SimCity Loans adds a well-rounded borrowing system to The Sims 4. It's perfect for narrative builders and players looking for financial gameplay depth without using cheats. The mod continues to be actively maintained, making it a reliable addition to your game.

REQUIREMENTS:
Base Game

DOWNLOAD:
SimCity Loans

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