Loans (Repayments, Interest, Banker Job & More)

The credit line system dynamically adjusts the maximum loan amount players can access, tied directly to their credit score and repayment history.

Players can take out loans, repay them with interest, and watch their credit score evolve as they interact with the system. Loans are either manually or automatically paid off online and offline!

Additionally, a dedicated banker job allows players to handle loan approvals/denials and view loan history of applicants. This integrated system creates engaging opportunities for roleplay and a robust, player-driven economy!

✍️ Loan Applications

• Players can apply for a loan directly via the menu.
• The applicant will set their desired loan amount, payback rates and intervals.
• The higher rates and payback interval, the more interest they must pay.
• The application will be sent to bankers, whom can choose to accept or decline the application.

👔 Banker Job

• You can define which jobs are considered "bankers" in the config.
• The bankers will be able to view loan applications and accept/decline them.
• The bankers can view history of applicants previous loans.
• They can see credit score and credit line of applicants.
• Bankers can earn interest paid on loans they've accepted.

🚀 Loan Interest

• The applicants interest rate is dynamically calculated.
• The rate is based on amounts of rates and payback interval.
• Additionally, there's a default rate plus influence configurations for you to set.

📊 Payback Rates

• Money is paid back when players are both online or offline.
• The money is charged from the account automatically if they have sufficient funds.
• The rates are chosen when applying for the loan and accepted by a banker.
• A full overview of the repayments can be seen by viewing the specific loan in the menu.

💯 Credit Score

• Your credit score is used in the credit line calculation.
• You start at 500 and progress when you pay loans on time.
• You'll loose credit score if your rates are overdue and you pay late.

💳 Credit Line

• The applicants credit line is dynamically calculated.
• It's based on credit score, pre-approval percentage and current money.
• The higher the credit score, the more money they can loan.

📜 Loan History

• You are able to view all your own loan history and repayments history.
• Bankers are able to view history of all players and their repayments.
• They can see late payments, missed payments and pending/accepted/denied loan applications for any player.

💵 Supported Economies

• DarkRP Wallet
• CH ATM
• Better Banking

🧑 Loan Menu & NPC

• You can spawn and save an NPC that lets players access the loan menu.
• You can also set a key bind.
• You can also use a chat command.
• See the "Setup" tab for NPC command.

💾 MySQL Support

• By default the addon saves using SQLite that comes with GMod.
• You can enable MySQLOO saving. See the "Setup" tab
• Both options are efficient to use, however, mysqloo is recommended.

💻 bLogs Support

• The addon supports bLogs.
• Logs when a loan application is submitted (player name, loan amount)Logs when an application is accepted (banker name, applicant name, loan amount)
• Logs when an application is denied (banker name, applicant name, loan amount)
• Logs successful rate payments (applicant name, rate amount)
• Logs failed rate payments (applicant name, rate amount)

🌎 Language System

• English
• French
• Polish

Discord Server

I own a Discord server for customers and anyone else who wish to join. I will occasionally provide exclusive offers and help with minor issues that might occur with my scripts. If you have a more serious problem, please create a support ticket on GModStore.

This addon works as long as you have one of the following economy systems:

• DarkRP Wallet
• CH ATM

Extract the addon and put ch_loans into your addons folder.

Please visit the Setup & Customizing tab to see how you configure the addon.

CONTENT

There's a single content pack that you must add to your servers workshop collection.

Workshop

The configure the general aspects of the addon go to ch_loans/lua/ch_loans/shared/config/ch_loans_config.lua

If you're experienced in Lua and want to make edits to the currencies or add new currencies then go to ch_loans/lua/ch_loans/shared/currencies/

You are also welcome to message me about a currency you want and I will see if I can support it for the loans system.

MYSQLOO

By default the addon saved using sqlite (default build into gmod). If you wish to enable MySQLOO then you can do so.

Go to the file lua/ch_loans/server/ch_loans_sql.lua

Set the CH_Loans.SQL.UseMySQLOO config to true

Then fill in your information below. This will of course require that you have the MySQLOO module by FredyH.

SETUP NPC

You can easily spawn the loan NPC in-game.

Locate your spawn location as an admin in-game and type ch_loans_setnpcpos in console.

It will spawn the NPC facing your direction.

If you find any problems with the script, please create a support ticket with details of the situation and a copypaste of the error in console.

Conflicting addons is not to be said if I will support that or not. This is something I will decide upon confrontation about a conflicting addon. If you have found a conflicting addon, then feel free to open a support ticket and I'll see if I can assist with solving the conflict.

Thank you!

Credits

Banners and UI design mockup by astral

Icons are Unicons 2.1.5 by Iconscout

Font is Inter by Google

If you like this script, you should check out some of my other addons for DarkRP. Just click the banner to open the script page in a new tab.