Loans

If you are short of Spa Coins, you can borrow from the server with /loan.

Loans accrue interest. After the repayment deadline, part of your income is seized for repayment and purchases and transfers are blocked. Borrow only what you can repay.

Borrowing limits

Your borrowing limit depends on your level.

Level	Borrowing limit
Lv0	1,000 Spa Coins
Lv1	3,000 Spa Coins
Lv2	10,000 Spa Coins
Lv3	30,000 Spa Coins

The limit applies to your current debt, including interest, plus the new amount. For example, at Lv1 with 2,000 Spa Coins in debt, you can borrow up to 1,000 more.

Borrowing money

Run this command to add the borrowed money to your balance immediately.

/loan borrow <amount>

Use a whole number of at least 1. For example, /loan borrow 1000 borrows 1,000 Spa Coins.

Repaying money

Use this command to repay from your current balance.

/loan repay <amount>

To repay everything, enter /loan repay all. If your balance is smaller than your debt, it repays only the amount you have.

Partial repayments are allowed. Repaying the full amount clears the debt. A later new loan then starts a new repayment deadline.

Interest

The interest rate is 10% per server year, with 1 week counted as 1 year.

Every 7 days after your first loan, your outstanding debt increases by 10%. Interest also accrues on previously added interest, making it compound interest. It continues while you are offline.

If you borrow 1,000 Spa Coins and repay nothing, your debt changes as follows.

Days since borrowing	Outstanding debt
Immediately	1,000 Spa Coins
After 7 days	1,100 Spa Coins
After 14 days	1,210 Spa Coins
After 21 days	1,331 Spa Coins
After 28 days	1,464.1 Spa Coins

Interest can take your outstanding debt above your borrowing limit.

Repayment deadline

The deadline is 14 days after you first borrow.

Borrowing more does not extend it. You must repay the entire debt before you can start a fresh deadline.

What happens after the deadline

These 2 restrictions apply from the deadline until your debt is fully repaid.

Half of your income goes toward repayment

Whenever your balance increases, 50% of the increase is automatically used to repay your debt.

This covers job rewards, login bonuses, shop and auction sales, and transfers received from other players. If you earn 100 Spa Coins, 50 are added to your available balance and the other 50 go toward the debt.

Purchases and transfers are blocked

You cannot perform these actions.

• Send money with /pay
• Buy from the admin shop
• Bid or buy in the auction
• Buy from player shops
• Buy claim blocks
• Create a request-board request
• Take a new loan

Selling remains available. You can earn repayment money by listing auctions, selling items to shops, and fulfilling requests.

Checking your current debt

Enter /loan to see your outstanding debt, next interest date, repayment deadline, and borrowing limit. /debt works too.

If you have a loan, your debt balance also appears in chat when you log in.

Using the smartphone

The same actions are available through Spa Loan on the smartphone home screen.

The top of the screen shows your debt, next interest, deadline, and limit. 「借りる」 (Borrow) and 「返す」 (Repay) prompt you to enter an amount in chat. 「全額返す」 (Repay all) repays immediately when pressed.

Troubleshooting

Problem	What to check
You cannot borrow	Check your limit and debt with /loan. Overdue loans block new borrowing.
You cannot repay	Check your available balance with /balance.
You cannot buy or transfer money	Check /loan to see whether the repayment deadline has passed.
Only half your income arrives	Your loan is overdue; the rest is going toward repayment.