Taking a loan | Bank

You can receive necessary funds by taking a loan. It will become available at the very beginning of the game, after completing a few quick orders. Later, the loan limit will be raised up to $500000. To visit a bank, click on the icon in lower right corner displayed on a driver's screen (an icon with $ symbol).

12% interest rate (in case of $400000 loan) or 18% (in case of $100000) may not seem attractive, but remember it is annual. Remember that the loan may help you upgrade your garage or buy a new one, or buy a new truck. The new truck will bring profit, therefore a loan is not a bad idea after all. Just keep an eye on your budget.

First, check the real cost of a loan. To do so, multiply the daily installment by the number of days. E.g. a loan for $100000 divided into 56 daily installments will cost you $1814 daily. Therefore, the bank will receive $101584 (56 days multiplied by $1814). It means this loan costs merely $1500.

In case of $400000 loan, 70 daily installments ($5788 each) will give $405090. It means that such sum of money will cost you a bit more than $5000. It is not much when you consider benefits.

American Truck Simulator

February 2, 2016

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