ETS2: Taking a loan - Bank Guide Euro Truck 2 Guide

Last update: 19 May 2021

You can receive necessary funds by taking a loan. Try it at the very beginning of the game, after completing a few quick orders. Later, the loan limit will be raised up to EUR 500,000. 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 EUR 400,000 loan) or 18% (in case of EUR 100,000) 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 EUR 100,000 divided into 35 daily installments will cost you EUR 2,887 daily. Therefore, the bank will receive EUR 101,045 (35 days multiplied by EUR 2,887). It means this loan costs merely EUR 1,000. In case of EUR 400,000 loan, 70 daily installments (EUR 5,787 each) will give EUR 405,090. It means that such sum of money will cost you a bit more than EUR 5,000. It is not much when you consider benefits.

Before you take any loan check if your budget can handle it. Check that using a company manager. See profit of your company for the last 7 days as well as daily average and compare it with the potential installment. Remember, when you have a loan do not spend all your funds on investments. You need money for unexpected expenses (e.g. post-accident repair).