Credit module
This mod adds the ability to obtain loans from the town mayor.
Screenshots 4 screenshots
About this mod Machine translation
This mod adds the ability to obtain loans from the town mayor.
CreditMod
💸 **Stardew Valley Financial Expansion Mod**
🌟 Core functions
This innovative mod brings a whole new economic dimension to your farm life! Now you can get a loan from Mayor Lewis of Pelican Town to help you get by when money is tight.
🏦 Loan acquisition conditions
- **Friendship Requirement**: Reach 2 hearts of favorability with Lewis
- **Trigger Location**: Enter Lewis' home
- **Trigger probability**: 25% chance of the loan dialog box appearing
💰 Seasonal loan limit
| Season | Loan Amount |
|------|----------|
| Spring | 10,000 gold coins |
| Summer | 50,000 gold coins |
| Autumn | 100,000 gold coins |
| Winter | 1,000,000 gold coins |
💡 **Extra Opportunity**: Each new season you can also apply for the loan amount of the previous season!
📊 Repayment interest rate system
The loan dialog box will clearly show the amount you need to repay. Interest rates change randomly every day:
- **100%** - 51% probability (original repayment)
- **105%** - 20% probability
- **110%** - 16% probability
- **150%** - 10% probability
- **200%** - 2.99% probability
- **1000%** - 0.01% probability (high risk, high reward)
⏰ Repayment Period
- **Repayment Time**: The loan will be automatically deducted from your balance after 15 days
- **Overdue Penalty**: If the balance is insufficient, you will lose 2 hearts of favorability with Lewis
⚠️Credit Risk Alert
If you fail to repay 2 loans within a year, you will be placed on the credit blacklist and will not be able to apply for any more loans within half a year!
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🎮 **Usage Suggestions**:
- Properly plan the use of loans to avoid over-indebtedness
- Prioritize farm expansion or purchase of important equipment
- Pay attention to seasonal income changes and ensure repayments are made on time
- Maintaining a good relationship with the mayor is crucial
This module adds a real financial experience to the game, allowing you to experience the fun of modern economic management while running a farm!
Install & use Install: SMAPI mod (Stardew Valley standard)
- Install SMAPI first (Stardew Valley's mod loader): download it from smapi.io, run 'install on Windows.bat' and pick your game folder.
- Unzip the archive from playbuff and find the folder that contains manifest.json — that folder is the mod.
- Copy that whole folder into Stardew Valley/Mods/.
- Launch the game through SMAPI (run StardewModdingAPI.exe or set it as the launch option). The console before the title screen lists each mod's load result.
Cheat-style tools may not need SMAPI — unzip and run them as the readme describes. Back up your save before editing it; SMAPI lists failed mods in its console.