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Rank-based borrowingDue dates and late paymentsTerm depositsPlayer-to-player transfersTransfer requirements and trading carefullyRank-based borrowing
Your base credit limit is your earned rank level × $15,625, with eligible VIP benefits potentially increasing it. The minimum loan is $100, and only one loan may be active at a time.
Cash loans charge 10% total interest for one instalment or 15% for two or three instalments. These differ from the 2–6 instalment plans used for property and vehicle financing.
Due dates and late payments
Instalments become due at 24-hour intervals and must be paid in order. Each overdue day adds a 20% late charge to the affected instalment.
Overdue credit can restrict new investment. When borrowing, account for product costs and taxes as well as expected income. Check upcoming repayments before committing your cash elsewhere.
Term deposits
You can open one active term deposit with at least $100. It earns 0.2% compound interest for each completed hour, up to a maximum of six hours.
Closing the account returns the principal and interest for completed hours to your balance. No additional interest accrues after six hours. For example, $10,000 earns approximately $120.60 over six full hours.
Player-to-player transfers
The sender must have active VIP membership. Transfers use an in-game TC account number and are limited to two per day, with a maximum of $1,000,000 per transfer. A non-VIP recipient can receive at most $20,000 in one transfer.
The sender's fee is 20% for Bronze, 15% for Silver and 10% for Diamond. It is charged on top of the transfer amount. Check the recipient's name, account number and total debit before confirming.
Transfer requirements and trading carefully
To send money, the sender must have no tax debt and no active loan. Even a small tax debt blocks transfers. A meaningful transaction description is required.
An in-game account number is not a real-world bank IBAN. Agree clearly on any player-to-player trade; a transfer does not automatically guarantee delivery of a product.