SimCity Loans 2.0

What’s New in 2.0?

Teens can now take out a loan (previously only available for Young Adult+).

Late Fees

Once you receive the Loan Payment Overdue buff, a 5% late fee (5% of your payment) will be deducted shortly after. After that,  they will be deducted about every 24 hours until your sim makes a payment. If your sim is at work, the late fees will be deducted shortly after they get home. If you don’t have enough Simoleons for the late fee, it will deduct when you do. 

Fixes applied to this update include:

  • Fixed the rare occasion of being able to take out two loans because the computer broke during the first interaction. Thanks to Ande1707 for finding this issue during testing.
  • You can no longer take out a loan if you still have a loan packet that’s been paid off in your inventory. You must destroy it before taking a new loan out. Thanks to nyqueent for finding this issue during testing.

Your sims can now apply for loans from SimCity Bank. When your sim needs a loan have them click on the computer and select SimCity Loans. From there you will select which loan amount you want.

Loan Amounts include:

  • §1,000
  • §5,000
  • §10,000
  • §25,000
  • §50,000
  • §100,000
  • §250,000
  • §500,000

Once you select the loan amount, your sim will receive a Loan Packet in their inventory (which is not delete-able). Your sim will then be responsible for repaying it! When repaying the loan, you have two options:

  • Repay in full with no interest.
  • Make 12, 24, or 36 payments which includes a 5% interest rate.

If your sim doesn’t make a payment (or pay in full) within 48 hours, he/she will receive a Loan Payment Due (fine mood) buff. If your sim ignores this buff for 24 hours, this buff will turn into a Loan Payment Overdue! (stressful mood) buff. The only way to remove this is to make a payment (or pay in full).

If your Debtor sim dies, the loan packet will be sent to the household inventory (still not delete-able). After you place it on your lot, another household sim can use the Take Over Loan interaction. This will add the loan packet to that sim’s inventory and he/she will be responsible. Don’t worry, any payments that the deceased sim made won’t be lost!

If your Debtor sim dies and gets added back to the household either as a ghost or resurrected, they won’t have the loan packet anymore (obviously since it went to the household inventory). However, they can’t take out a loan. They’ll have to use the computer and click on SimCity Loans > Request Loan Forgiveness (which will cost §1,000), then after 3 days they can apply for a loan again if needed.

♦ Additional Information ♦

  • Sims can only have one active loan at a time. However, once your sim pays off the loan, you can click on the loan packet and select Destroy. Your sim can then take out another loan if desired.
  • The loan packet is not drag-able! This was done on purpose to keep it in your sims inventory for needed buffs and interaction availability. It’s also not delete-able, for obvious reasons….no skipping out on your debt!
  • If you move your household while the loan packet is on the lot (after placing it from the household inventory), it can be found in the household inventory once again. No running away from it until it’s paid!

NOTE – If you use Basemental Drugs and your Sim gets arrested, they will lose their loan packet.  If this happens, you’ll have to use the Request Loan Forgiveness option on the computer.  

♦ Plans for Future Updates ♦

  • Add the SimCity Loans to phones
  • More to come…

♦ Mod Requirements ♦

No additional packs required.

♦ Mod Conflicts ♦

No known conflicts. It should work well with all mods (including any other loan type mods).

♦ Changelog ♦ 

  • 12/12/19
    • Updated for minor tuning fixes.
  • 11/12/19
    • Updated for 1.58 patch.
  • 10/06/19 – Updated to 2.0
    • Teens now take out a loan
    • Late Fees added
    • Fixed a couple issues
  • 9/14/19
    • Request Loan Forgiveness now costs §1,000 Simoleons.
    • Request Loan Forgiveness menu is now back in the SimCity Loans computer menu.
    • Added Spanish Translations (thanks to Panko81 and Don)

♦ Download & Instructions ♦

  1. Click the Download button below.
  2. Extract the .zip file.
  3. Move the .package and .ts4script files to your Mods folder (located in Documents\Electronic Arts\The Sims 4).

    ♦ Keep them in the same folder, no more than ONE sub-folder deep inside your Mods folder.
    ♦ Do NOT rename either of them.
    ♦ Make sure you have Enable CC/Mods and Script Mods Allowed enabled in your Game Options.

*Please delete all previous versions of this mod before installing new ones*

Alternate DownloadGoogle Drive

♦ Translations ♦

If you want to use a translation, click on your language below to download the .package. Then, move the .package into your Mods folder WITH the main mod. Do NOT rename!

If you’re interested in translating this mod, download the strings below. Then follow the instructions in Translating Mods.

11 Comments on “SimCity Loans 2.0

  1. I do hope individual sims can buy stuff like computers (items from build mode) using their Bank Account and not the household funds, like people buying stuff at the mall. I wonder if it’s possible.


  2. Excuse me, but where can I find options for a loan? I click the mouse on the sim and I don’t see the option to take a loan ….Does this mod still work???

    Liked by 1 person

    • You can apply for a loan on any non-CC computer (as it says in the mod post), the options are not available on sims yet. If you still don’t see the options on a computer either, then the mod is not installed properly (or scripts aren’t enabled in your game).

      All of my mods that are posted work, otherwise they wouldn’t be available.


    • Please check the Mod Status page. It’s already been updated for the University patch. It doesn’t require further updates. Are you experiencing problems?


  3. i really wish i could edit my comments lol

    the reason why i wanted a million, exactly, is because i wanted to do a challenge where i start from nothing, then take a loan, set my money to 100, and do a generational playthrough where the family eventually pays off the loans, if the first sim hasn’t died by then. (which would make the 96-payment-thing not too questionable, since it already goes to the next of kin anyway)


  4. is there any possibility of allowing a sim to get a loan of a million simoleons? either that or to allow for two loans?


    • also even more payments? xD 14k for 500k is.. a lot of munz. maybe something like, 96 payments or so seems a little more reasonable ( ・ ▿・)… (about 5.2k each payment)
      or an option to just pay whatever we want lol (with the % over what’s left for that week being added onto what’s left)

      this week, you owe 5k, but you only choose to pay 1k. there’s 4k left. 5% of that is 200. so, now you owe an extra 200 over the 499k to 499,200 (assuming that was your first payment lol)


      • I think 500K is plenty for the maximum loan amount. I’m easily able to purchase a home and buy a business with the 500K. So I won’t be adding a loan for a million, I think that might be a little overkill and not needed.

        While a 96 payment amount would be nice, it’s not really plausible because of the Sims lifespans. If you play on Normal age spans, they’d pass away before their loan was paid off. I wanted to avoid that.

        Initially I did want to make it so you could choose the amount you pay. However, there’s just no way to accomplish that and keep track of how much as been paid. I have to enter a set amount in the resources.

        I am hoping that with University their loans will work like that. If they do, then I can apply it to this mod. Have to wait and see though.


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