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Real credit scores. Real consequences. Real banking.

The Loan & Finance System brings a full economic banking layer to your FiveM server. Players build credit scores over time, apply for loans at Pacific Bank, and get approved or denied by actual banker-job players — not an NPC button. Miss three payments and the loan gets auto-deducted, even into negatives. Every financial decision your players make has a lasting impact on their creditworthiness.

This isn't a simple "give me money" script. It's a functioning financial ecosystem.

Core Banking Features

• Pacific Bank integration — players apply for loans through a fully immersive bank interaction
• Banker job system — players take on the banker role and manually approve or deny applications
• Real-time loan tracking — loan periods only count down when the player is online
• Configurable loan cap via config.lua — fully tailored to your server economy
• Staff commission system — bankers earn commission for processing loans
• Admin controls — advanced commands for managing loans and credit scores server-wide

Credit Score System

• Dynamic credit scoring — creditworthiness determines loan eligibility and amounts
• Credit score tiers — Poor, Fair, Good, Excellent with visual rating categories
• Full credit score history — view past score changes with detailed logs and reasons
• Automated minimum and maximum score limits — exploit-safe boundaries built in

Loan System

• One-time interest calculation — no recurring fees, clean and simple
• Dynamic loan limits — amounts scale based on player credit score
• Flexible payments — players can make partial or full payments at any time
• Automatic loan deduction after 3 missed payments — goes into negative balance if needed

UI

• Glass-morphism UI — sleek modern interface with smooth animations
• Three-column layout — organized sections for Requests, Loans, and Credit Scores
• Real-time UI updates — instant changes on approvals, score changes, and payments
• Enhanced error handling and validation throughout

Framework & Inventory Support

• ✅ QBCore · QBOX · ESX
• ✅ QB · QS · OX Inventory
• ✅ Ox_Target · QB_Target

The most complete FiveM loan and finance system — credit scores, banker jobs, dynamic limits, and real consequences all built in.

Built and maintained by Numen Studios. Support available via Discord.