Bank of Vana'diel loans

guide · Server guide

The Bank Clerk lends gil, paid back out of your auction house sales.

Where to find it

Type !hangout to go to the Rolanberry bazaar hangout. The Bank Clerk stands behind the Bank of Vana'diel's ledger stand near where you arrive, with the vault behind him.

How much you can borrow

Your limit is the lower of:

- 50,000 gil per main job level, or
- twice your auction house sales over the last 28 days, plus a quarter of the gil you carry.

Loans start at 1,000 gil. The clerk offers your full limit, and 75%, 50% and 25% of it, and confirms before handing over the gil. If you haven't sold anything lately, sell a few things on the auction house and come back.

What it costs

- 29% interest, charged once. Borrow 100,000, owe 129,000. There is no due date.
- One loan at a time. Pay the last one off before taking another.

Paying it back

- 25% of each auction house sale goes to the bank before the rest reaches your delivery box, until the loan is paid.
- Once a loan is over 30 days old, the cut rises to 50% of each sale.
- You can also pay any time: trade the clerk gil (any change comes straight back), or pick a payment from the clerk's menu.
- Talk to the clerk to see what you owe, how much is paid, and what day of the loan you're on. When your sales cover it, the clerk tells you it's paid in full.