Need some cash to bid on that hard to find item? Trying to finally finish off that piece of gear? Got some collateral? Introducing Sylafia's Loan Service! I'm selling collateral-backed loans, with loan amounts generally not going above 75% of the collateral's value (exact price depends on my existing holdings and speed to sell off collateral if you default). To acquire a loan, PM me or start a conversation to determine exact details of the loan, then we meet up in game to trade! After that, pay back the loan at your convenience, and once it's paid off I'll work to schedule a time to meet up and return your collateral. Current Balance available: 35b Spoiler: Full Terms and Conditions (READ BEFORE TAKING OUT A LOAN) You must provide collateral, which gives you loans with value at my discretion. Easier to sell, more stable items tend to give higher loan values. If you want to use a large amount of items as collateral, I'll probably deny the loan. This is up to my discretion, but my inventory is always cramped. Minimum loan amount is 500m (100m for 0 collateral). Interest on the loan is 2%/week. The first interest payment is added immediately, and must be paid back by 0:00 Monday ~servertime. If the loan is taken out on Thursday, Friday, Saturday, or Sunday ~servertime, an extra week grace period is added. Interest is accrued each 0:00 Monday ~servertime (with the same disclaimer as before) and must be paid within 1 week, meaning as soon as the deadline for a payment hits, the next payment is added. Interest is based on the remaining loan balance. If you've paid off 500m of a 1b loan, that means interest is now only 10m/week, not the previous 20m/week. The first 2 missed payments in a loan are added to the amount left to pay off. The 3rd missed payment means your collateral is forfeit and I'll sell it off at my convenience (you're no longer expected to pay off the loan). I'll keep up a store in FM 7-7 for those paying off loans. Here, you'll have 2 items assigned for your loan: A stack of a single item (such as a tree branch or red pot) priced at the 3% interest payment due, and a stack of items, each priced at 10-20m. Purchase the first item to pay the interest due, and purchase the second item to pay down your loan. Finding me ingame also works, although I may be busy or offline. You're expected to pay loans back, even if the market value of your collateral drops. Failure to pay back a loan will result in less favorable terms for future loans (higher interest, lower loans per collateral) You cover tax: If you take out a 2b loan, I give you 2,000,000,000 mesos (or 1 bcoin + 970m), NOT 2 bcoins. To pay it back, you give me 2,060,000,000 mesos (or 2 bcoins) (+ interest). Loans are currently pure meso only, no ws/cs Loans are posted publicly here, with the IGN of the character taking out the loan. When asking for a loan, please tell me your collateral and how much of a loan you're hoping to get. This is mostly in here so I know you've read the rules. If you don't tell me the collateral upfront, I'll ask you to read the rules again Bans: If you happen to get banned while you have an active loan, notify me and create a ban appeal. If you were unfairly banned, any interest/missed payments that would have been added during the duration of your ban is ignored. If you were correctly banned, rip. 0 Collateral Loans: If I feel like I can trust you, I'll allow 0 collateral loans between 200 and 500m, charging 10% interest/week. Note that this option may be removed if people abuse it, and deciding to not pay it back IS scamming. OPTIONAL: loans not predatory enough? Take out a predatory loan, which gives you lower collateral value, 10% interest/week, and collateral is immediately forfeit upon failure to pay interest. Why would you do this? I have no idea! Tell me "flooba dooba doop" when taking out your loan for this option. Spoiler: Currently Active Loans None rn UwU Spoiler: Completed Loans Spoiler: Naobito Mar 23, 2024 Naobito - 300m (309m payback) loan - Collateral: NONE (10%/week interest) - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 30m/week. You can pay this by purchasing the 1x listed Blue Potion - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Potion items. - Mar 29, 2024: Interest + 70m paid. 239m remain. - Apr 1, 2024: Interest of 23.9m added - Apr 5, 2024: 60m paid. 179m remain. - Apr 6, 2024: 179m paid. Just interest remains. - Apr 6, 2024: Interest paid. No collateral. Loan complete. Spoiler: CRinfinity Mar 17, 2024 CRinfinity - 4.12b (4,243m payback) loan - Collateral: 8 wa VL shoe, 11 wa pgc - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 82m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Arrow for Bow items. - Mar 21, 2024: Interest paid. - Mar 24, 2024: 2.3b paid. Cape returned. 1,943m remain. - Mar 25, 2024: 38m interest added - Mar 27, 2024: Interest paid - Apr 1, 2024: 38m interest added - Apr ?, 2024: Interest paid. - Apr 4, 2024: Loan paid off. Collateral (8 vl shoe) returned. Loan complete. Spoiler: Belicon Mar 18, 2024 Belicon - 700m (721m payback) loan - Collateral: 87 wa dragon revolver - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 12m/week. You can pay this by purchasing the 1x listed Egg - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Apple items. - Mar 24, 2024: Interest + 40m paid. 681m remain. - Mar 25, 2024: 13m interest added - Mar 27, 2024: Interest paid - Mar 29, 2024: 480m paid. 200m remain. - Mar 31, 2024: Loan paid off. Collateral returned. Loan complete. Spoiler: offlinetvfan Mar 28, 2024 offlinetvfan ( @ssence ) - 2.06b (2,121m payback) loan - Collateral: 8 wa FS - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 41m/week. You can pay this by purchasing the 1x listed TBA - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing TBA items. - Mar 28, 2024: Interest and loan paid off. Collateral returned. Loan complete Spoiler: Experian Mar 18, 2024 Experian - 1b (1.03b payback) loan - Collateral: 9 wa 16 str taru cape - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 20m/week. You can pay this by purchasing the 1x listed Blue Potion - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Potion items. - Mar 24, 2024: Loan paid off. Collateral returned. Loan complete. Spoiler: Experian Mar 11, 2024 Experian - 530m (545m payback) loan - Collateral: 20 wa maple shield, 130 wa sparta - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 10m/week. You can pay this by purchasing the 1x listed Blue Potion - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Potion items. - Mar 15, 2024: Interest and loan paid off. Collateral returned. Loan complete Spoiler: Belicon Mar 8, 2024 Belicon - 600m (618m payback) loan - Collateral: 87 wa dragon revolver - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 12m/week. You can pay this by purchasing the 1x listed Egg - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Apple items. - Mar ??, 2024: Loan paid off. Collateral returned. Loan complete. Spoiler: Naobito Feb 23, 2024 Naobito/Omree (@Si1ENCE) - 1.5b (1545m payback) loan - Collateral: 10 wa bfc - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 30m/week. You can pay this by purchasing the 1x listed Blue Potion - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Potion items. - Feb 25, 2024: Interest + 60m paid. 1485m remain. - Feb 26, 2024: 485m paid. 1b remain. - Mar 1, 2024: 100m paid. 900m remain. - Mar 1, 2024: 160m paid. 740m remain. - Mar 4, 2024: 200m paid. 540m remain - Mar 4, 2024: 10m interest added. - Mar 5, 2024: Interest + loan paid off. - Mar 5, 2024: Collateral returned. Loan complete Spoiler: Belicon Mar 3, 2024 Belicon - 600m (618m payback) loan - Collateral: 87 wa dragon revolver - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 12m/week. You can pay this by purchasing the 1x listed Egg - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Apple items. - Mar 3, 2024: Interest + 418m paid. 200m remain. - Mar 4, 2024: Loan paid off. - Mar 4, 2024: Collateral returned. Loan complete. Spoiler: Ron Feb 3, 2024 RonJJ @RonJJ -5.15b (5,305m payback) loan - Collateral: 33 tma maple shield, 36 tma single earring, 191 tma wand 6, 29 tma magician glove. - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 103m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Arrow for Bow items. - Feb 8, 2024: Interest paid - Feb 12, 2024: Interest of 103m added - Feb 15, 2024: Interest paid. - Feb 19, 2024: Interest of 103m added - Feb 20, 2024: Interest paid. - Feb 26, 2024: Interest of 103m added - Feb 27, 2024: Interest paid. - Mar 3, 2024: Loan paid off. Collateral returned. Loan complete. Spoiler: Lokid Feb 11, 2024 Lokid / Koen - 500m (515m payback) loan - Collateral: Coral Reef Runner chair (Becca tagged) - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 10m/week. You can pay this by purchasing the 1x listed Egg - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Apple items. - Feb 12, 2024: Interest + 320m paid. 195m remain - Feb 13, 2024: 35m paid. 160m remain - Feb 15, 2024: 40m paid. 120m remain. - Feb 17, 2024: 60m paid. 60m remain. - Feb 18, 2024: 20m paid. 40m remain. - Feb 20, 2024: Loan paid off. - Feb 24, 2024: Collateral returned. Loan complete Spoiler: Pomf Jan 18, 2024 Pomf (Jack on discord) -3.09b (3182m payback) loan - Collateral: 15 str 6 dex specs - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 62m/week. You can pay this by purchasing the 1x listed Blue Potion - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Potion items. - Jan 19, 2024: Interest paid - Jan 29, 2024: 1b paid. 2,182m remain. - Feb 3, 2024: 1,010m paid. 1,172m remain. - Feb 8, 2024: (Forgot to add interest earlier) 23m interest added. Can be paid 1 week late, although interest will still be added on Sunday as usual. - Feb 12, 2024: 23m interest added (46m total) - Feb 15, 2024: Interest and loan paid off. Collateral returned. Loan complete. Spoiler: MihaiI Jan 11, 2024 MihaiI -1.5b (1545m payback) loan - Collateral: 10 wa BFC - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 30m/week. You can pay this by purchasing the 1x listed Arrow for Bow - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Arrow for Bow items. - Jan 13, 2024: 15m paid. 1560m remain (including interest) - Jan 31, 2024: Loan paid off. Collateral returned. Loan complete. Spoiler: iKeelGoby4u December 4, 2023 iKeelGoby4u (@Dewwche)- 6.18b loan (6,365m payback) - Collateral: 30 tma lapiz - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 123m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Arrow for Bow items. - Dec 11, 2023: FIRST missed payment. New amount to pay is 6488m. Added 129m interest. - Dec 11, 2023: Interest paid - Jan 3, 2024: Sold shoe at request of buyer for 6bcoin + 1 ws to pay off loan (+tip, ty), with remaining paid to Dewwche. Loan complete. Spoiler: xLust November 30, 2023 xLust (@MitchyD) - 3.3b loan (3,399m payback) - Collateral: 26 tma maple shield + 10/43 Arzuna + 126 Nisrock + Full Moon Night Chair - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 66m/week. You can pay this by purchasing the 1x listed Blue Pill - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Pill items. - Dec 3, 2023: Interest + 60m paid. 3,339m remain. - Dec 9, 2023: 20m paid. 3,319m remain. - Dec 11, 2023: Interest of 66m added - Dec 15, 2023: 40m paid. 3,279m remain. - Dec 16, 2023: Interest + 1b paid. 2,279m remain. - Dec 17, 2023: 800m paid. 1,479m remain. - Dec 19, 2023: 579m paid. 900m remain. - Dec 19, 2023: Sold arzuna for 2.4b at request. Loan paid off, 1.5b extra to return. - Dec 19, 2023: Collateral (and 1.5b) returned. Loan complete. Spoiler: EpicNL December 2, 2023 EpicNL - 2b loan (2.06b payback) - Collateral: 8 fs - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 40m/week. You can pay this by purchasing the 1x listed Blue Potion - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Potion items. - Dec 3, 2023: Interest + 1.06b paid. 1b remain - Dec 5, 2023: 100m paid. 900m remain. - Dec 11, 2023: 460m paid. 440m remain. - Dec 11, 2023: Interest of 8.8m added. - Dec 17, 2023: Interest and loan paid off. Collateral returned. Loan complete Spoiler: Pinkubean November 27, 2023 Pinkubean - 1.5b (1.545b payback) loan - Collateral: Giant Teddy bear chair + 13 wa bfc + 190 tma wand + 2x MTK + 1x bfury - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 30m/week. You can pay this by purchasing the 1x listed Loose Chain - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Dried Rose Vine items. - Nov 27, 2023: Extended loan by 5.15b (5305m payback), adding 84/18 rc as collateral - New interest is 133m. New amount is 6.65b (6850m payback) - Nov 27, 2023: Swapped claw for 13 wa bfc + 190 tma wand - Nov 30, 2023: Sold bfc for 2b + 1bcoin + 1 MTK + 23 APRs (given to pinku) at request of Pinkubean. MTK added to collateral. Meso is 3,030m, which pays interest + 2897m. APRs sold for 195m more meso, bringing total payback down to 3,758m - Nov 30, 2023: 300m paid (3,458m remain), swapped wand for BFC + MTK as collateral - Dec 1, 2023: 500m paid. 2,958m remain. - Dec 4, 2023: 1,080m paid. 1,878m remain. Returned chair + bfury - Dec 4, 2023: 37.5m interest added. - Dec 4, 2023: 200m paid. 1715.5m remain after interest paid off. - Dec 5, 2023: 480m paid. 1235.5m. remain. - Dec 5, 2023: 480m paid. 755.5m remain. - Dec 5, 2023: 1 MTK returned. Just 1 MTK left as collateral. - Dec 5, 2023: 480m paid. 275.5m remain. - Dec 6, 2023: Loan paid off. Collateral returned. Loan complete Spoiler: InsaneNL and Pinkubean November 25, 2023 InsaneNLand Pinkubean - 1b (1.03b payback) loan - Collateral: 6 fs + giant teddy bear chair - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 20m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 10m intervals. Pay these off by purchasing Arrow for Bow items. - Dec 2, 2023: Interest and 920m paid. 110m remain. - Dec 2, 2023: Loan paid off. - Dec 2, 2023: Collateral returned. Loan complete. Spoiler: Xery November 29, 2023 Xery - 2b (2.06b payback) loan - Collateral: 25 int broom + 7 int racc mask - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 40m/week. You can pay this by purchasing the 1x listed Blue Potion - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Potion items. - Dec 2, 2023: Loan paid off. Collateral returned. Loan complete Spoiler: MihaiI November 26, 2023 MihaiI - 550b (565m payback) loan - Collateral: NOTHING (10%/week interest) - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 55m/week. You can pay this by purchasing the 1x listed Apple - Payments towards the loan balance can be made in 10m intervals. Pay these off by purchasing Egg items. - Nov 30, 2023: Loan paid off. No collateral, loan complete Spoiler: EpicNL November 30, 2023 EpicNL - 960m loan (989m payback) - Collateral: 8 fs - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 19m/week. You can pay this by purchasing the 1x listed Blue Pill - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Pill items. - Nov 30, 2023: Interest and 481m paid. 508m remain - Nov 30, 2023: Loan paid off - Nov 30, 2023: Collateral returned. Loan complete Spoiler: EpicNL November 26, 2023 EpicNL - 2b (2.06b payback) loan - Collateral: 8 fs - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 40m/week. You can pay this by purchasing the 1x listed Blue Potion - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Potion items. - Nov 26, 2023: Interest + 460m paid. 1.6b remain. - Nov 28, 2023: 100m paid. 1.5b remain. - Nov 28, 2023: 300m paid. 1.2b remain. - Nov 29, 2023: Loan paid off - Nov 29, 2023: Collateral returned. Loan complete Spoiler: InsaneNL November 22, 2023 InsaneNL- 5.15b (5.3b payback) loan - Collateral: 21 scg - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 103m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Arrow for Bow items. - Nov 25, 2023: Extended loan by 4.12b (4.243b payback) - New interest is 185m. New amount to pay back is 9.543b. - Nov 25, 2023: Interest and loan paid. - Nov 25, 2023: Collateral returned. Loan complete Spoiler: Dillberto November 19, 2023 Dillberto- 1.4b (1.442b payback) loan - Collateral: 29 tma Flamekeeper cordon - Your INTEREST payment will be 28m/week. You can pay this by purchasing the 1x listed Blue Potion - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Potion items. - Nov 21, 2023: Interest and loan paid off - Nov 21, 2023: Collateral returned. Loan complete Spoiler: Pinkubean November 12, 2023 Pinkubean - 1b (1.03b payback) loan - Collateral: 190 tma (21 int) wand6 + door of truth chair - Your INTEREST payment will be 20m/week. You can pay this by purchasing the 1x listed Blue Potion - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Potion items. - Nov 13, 2023: Interest paid - Nov 14, 2023: Added door of truth, extended loan by 800m (824m payback). Total is 1.854b to pay back - New interest is 16m - Nov 14, 2023: Added Giant Teddy Bear chair, extended loan by 800m (824m payback). Total is 2.678b to pay back - New interest is 32m - Nov 18, 2023: Interest paid. - Nov 19, 2023: Loan paid off, collateral returned. Loan complete Spoiler: InsaneNL November 18, 2023 InsaneNL- 12.36b (12.73b payback) loan - Collateral: 21 wa scg - Your INTEREST payment will be 247m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Arrow for Bow items. - Nov 19, 2023: Interest and loan paid off - Nov 19, 2023: Collateral returned. Loan complete. Spoiler: InsaneNL November 10, 2023 InsaneNL- 14.36b (14.79b payback) loan - Collateral: 190 tma wand6 + 29 tma maple shield + 17 pgc + 17 bfc - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 287m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Arrow for Bow items. - Nov 11, 2023: 2.06b paid. 12.73b (+ interest) remain. - Nov 12, 2023: 17 wa bfc added for 3.59b (3661m payback) more - New balance is 16.427b to pay back - New interest is 358m - Nov 12, 2023: Added another 3.59b (3661m payback) - New balance to payback is 20b 88m - New interest is 429m - Nov 12, 2023: Added another 4.12b (4343m payback) - New balance to payback is 24b 331m - New interest is 511m - Nov 12, 2023: Added ANOTHER 10.3b (10b 609m payback) with addition of 21 wa scg as collateral - New balance to pay back is 34b 939m - New interest is 717m - Nov 14, 2023: 13.5b paid (interest + 12.783b). 22.156b remain - Nov 14, 2023: Glove returned - Nov 14, 2023: pgc sold on request for 12bcoin 11 cs (@450) 50m = 17.360b total. 4.796b remain - Nov 14, 2023: Wand and shield returned - Nov 14, 2023: Swapped 17 bfc for 10/4 and 9/0 as collateral - Nov 14, 2023: Loan paid off - Nov 14, 2023: Collateral returned. Loan complete. Whew, that was a big one Spoiler: InsaneNL Nov 3, 2023 InsaneNL - 2b (2.06b payback) loan - Collateral: 15 scg + 6 fs + 12 fs + 17 pgc - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 40m/week. You can pay this by purchasing the 1x listed Blue Pill - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Pill items. - Nov 4, 2023: Loan extended by 5bcoins (7150 total, 7364m payback) - Added 12 wa facestompers to collateral - New interest is 143m/week - Items remain the same - Nov 4, 2023: Loan extended by 10 bcoins (17,450m total, 17,973m payback) - New interest is 349m/week - Added 17 wa pgc to collateral - Nov 4, 2023: Interest and loan paid off (for this + Pinkubean's) in cs/ws - Nov 4, 2023: Collateral returned. Loan complete Spoiler: Pinkubean October 31, 2023 Pinkubean - 500m (515m payback) loan - Collateral: NOTHING (10% weekly interest) 84/18 red craven - Your INTEREST payment will be 50m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Arrow for Bow items. - Nov 4, 2023: collateral added, extended to 1.6b (1648m payback) - New collateral is 84/18 red craven - New interest is 32m/week - Items remain the same - Nov 4: 2023: Extended loan by 5.4b (total 7b, 7210 payback) - New interest is 140m/week - Nov 4, 2023: Interest and loan paid off (for this + InsaneNL's) in cs/ws - Nov 4, 2023: Collateral returned. Loan complete Spoiler: InsaneNL Nov 2, 2023 InsaneNL - 3590m (3.7b payback) loan - Collateral: 85/18 red craven - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 71m/week. You can pay this by purchasing the 1x listed Blue Pill - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Pill items. - Nov 3, 2023: Interest and loan paid off (by RC buyer) - Nov 3, 2023: Collateral returned, loan complete. Spoiler: Pinkubean October 21, 2023 Pinkubean - 300m (309m payback) loan - Collateral: NOTHING (10% weekly interest) - Your INTEREST payment will be 30m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - The loan will be paid off in 1 purchase. Pay it off by purchasing the 1x listed Arrow for Bow. - October 23, 2023: Interest and loan paid off. - October 23, 2023: No collateral. Loan complete Spoiler: Chapizza October 7, 2023 Chapizza - 500m (515m payback) loan - Collateral: 5 wa fs - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 10m/week. You can pay this by purchasing the 1x listed Blue Potion - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Potion items. - Oct 9, 2023: 515m paid, just 10m interest left - Oct 15, 2023: Decided to not add interest to make my life easier while on vacation. - Oct 19, 2023: Loan paid off - Oct 19, 2023: Collateral returned. Loan complete. Spoiler: Pinkubean October 11, 2023 Pinkubean - 500m (515m payback) loan - Collateral: NOTHING (10% weekly interest) - Your INTEREST payment will be 50m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 5m intervals. Pay these off by purchasing Arrow for Bow items - Oct 16, 2023: Interest and loan paid off. - Oct 16, 2023: No collateral, loan complete Spoiler: MOO October 9, 2023 MOO (@Moo Moo) - 1760m (1810m payback) loan - Collateral: 4 WS - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 35m/week. You can pay this by purchasing the 1x listed Loose Chain - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Dried Rose Vine items. - October 9, 2023: 650m paid (Interest + 615m). 1195m remain - October 11, 2023: 350m paid. 845m remain - October 12, 2023: Loan paid off - October 14, 2023: Collateral returned. Loan complete Spoiler: InsaneNL October 1, 2023 InsaneNL - 3.8b (3b 910m payback) loan - Collateral: 6 wa fs, 12 wa bfc - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 22m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 10m intervals. Pay these off by purchasing Arrow for Bow items. - October 3, 2023: 12 wa bfc added for 2.7b more loan (original 1.1b). Consolidated into one: Interest is now 76m/week, items remain the same. - October 4, 2023: Interest paid - October 4, 2023: 200m paid. 3.71b remain. - October 5, 2023: 100m paid. 3.61b remain. - October 6, 2023: 300m paid. 3.31b remain - October 9, 2023: Interest of 66m added - October 9, 2023: At request, sold cape for 3.5b to pay off loan - October 9, 2023: FS + remaining 124m returned. Loan complete Spoiler: Chapizza September 28, 2023 Chapizza- 500m (515m payback) loan - Collateral: 28 tma maple shield - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 10m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Arrow for Bow items. - Sep 30, 2023: Interest and loan paid off - Sep 30, 2023: Collateral returned. Loan complete. Spoiler: Pinkubean September 27, 2023 Pinkubean - 100m (103m payback) loan - Collateral: NOTHING (10% weekly interest) - Your INTEREST payment will be 10m/week. You can pay this by purchasing the 1x listed Loose Chain - The loan will be paid off in 1 purchase. Pay it off by purchasing the 1x listed Dried Rose Vine. - Sep 28, 2023: Interest and loan paid off - Sep 28, 2023: 0 collateral loan. Loan complete Spoiler: DKRem May 17, 2023 DKRem ( @Gavin Chow ) - 6.5b loan - Collateral: 9 wa fs + 13 wa BFC - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 325m (and then 130m)/week. You can pay this by purchasing the 1x listed Blue Potion - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Red Potion items. - May 21, 2023: Interest + 320m paid. 6.18b remain. - May 22, 2023: Interest of 123.6m added - May 29, 2023: No payment. First failure. 6,303.6m remain. Interest of 126m added. - May 30, 2023: Interest + 400m paid. 5,903.6m remain. - June 2, 2023: 200m paid. 5,703.6m remain. - June 5, 2023: Interest of 114m added. - June 9, 2023: Interest + 400m paid. 5,303.6m remain - June 12, 2023: Interest of 106m added. - June 16, 2023: Interest + 800m paid. 4,503.6m remain - June 19, 2023: Interest of 90m added. - June 26, 2023: Interest + 600m paid. 3,903.6m remain - June 26, 2023: Interest of 78m added. - July 3, 2023: Interest + 800m paid. 3,103.6m remain - July 3, 2023: Interest of 62m added. - July 9, 2023: Interest paid. - July 10, 2023: 200m paid. 2,903.6m remain - July 10, 2023: Interest of 58m added - July 16, 2023: Interest + 600m paid. 2,303.6m remain. - July 17, 2023: Interest of 46m added. - July 24, 2023: Interest + 600m paid 1,703.6m remain - July 24, 2023: Interest of 34m added. - July 31, 2023: Interest + 603.6m paid. 1,100m remain. - July 31, 2023: Interest of 22m added. - Aug 6, 2023: Interest paid - Aug 7, 2023: Interest of 22m added - Aug 14 ,2023: Interest paid - Aug 14, 2023: Interest of 22m added - Aug 21, 2023: Interest + 400m paid. 700m remain - Aug 21, 2023: Interest of 14m added - Aug 28, 2023: Interest paid - Aug 28, 2023: Interest of 14m added - Sep 4, 2023: Interest + 200m paid. 500m remain - Sep 4, 2023: Interest of 10m added - Sep 16, 2023: Interest + 200m paid. 300m remain - Sep 18, 2023: Interest of 6m added. - Sep 24, 2023: Interest and loan paid off. - Sep 24, 2023: Collateral returned. Loan complete Spoiler: Pinkubean September 17, 2023 Pinkubean - 500m (515m payback) loan - Collateral: NOTHING (10% weekly interest) - Your INTEREST payment will be 50m/week. You can pay this by purchasing the 1x listed Loose Chain - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Dried Rose Vine items. - Sep 22, 2023: Interest and loan paid off - Sep 22, 2023: No collateral. Loan complete Spoiler: Pinkubean September 13, 2023 Pinkubean - 400m (412m payback) loan - Collateral: NOTHING (10% weekly interest, trial run) - Your INTEREST payment will be 40m/week. You can pay this by purchasing the 1x listed Loose Chain - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Dried Rose Vine items. - Sep 16, 2023: Interest and loan paid off - No collateral, loan complete Spoiler: Lyin September 2, 2023 Lyin - 500m (515m payback) loan - Collateral: 33 int red starlight - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 10m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Arrow for Bow items. - Sep 14, 2023: Interest + loan paid off. - Sep 14, 2023: Collateral returned. Loan complete Spoiler: emobf June 25, 2023 emobf - 1b loan - Collateral: Giant teddy bear chair - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 50m (and then 20m)/week. You can pay this by purchasing the 1x listed Blue Pill - Payments towards the loan balance can be made in 10m intervals. Pay these off by purchasing Red Pill items. - June 26, 2023: Interest paid. - July 3, 2023: Interest of 20m added - July 4, 2023: Interest paid. - July 10, 2023: Interest of 20m added. - July 12, 2023: Interest paid. - July 14, 2023: 500m paid. 500m remain. - July 17, 2023: Interest of 10m added. - July 18, 2023: Interest paid. - July 24, 2023: Interest of 10m added - July 25, 2023: Interest paid. - July 31, 2023: Interest of 10m added. - Aug 1, 2023: Interest paid. - Aug 7, 2023: Interest of 10m added - Aug 8, 2023: Interest + 350m paid. 150m remain. - Aug 10, 2023: Loan paid off - Aug 10, 2023: Collateral returned. Loan complete Spoiler: Jackpot July 7, 2023 Jackpot ( @Angel ) - 1.2b loan - Collateral: 129/18 dagger - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 60m (and then 24m)/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 10m intervals. Pay these off by purchasing Arrow for Bow items. - July 8, 2023: Interest and loan paid off. - July 8, 2023: Collateral returned. Loan complete Spoiler: BlueLatte June 12, 2023 BlueLatte (@Brianis)- 900m loan - Collateral: 6 wa fs - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 45m (and then 18m)/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 10m intervals. Pay these off by purchasing Arrow for Bow items. - June 18, 2023: Interest + 150m paid. 750m remain. - June 19, 2023: Interest of 15m added. - June 20, 2023: Interest paid. - June 25, 2023: 100m paid. 650m remain. - June 25, 2023: 200m paid. 450m remain. - June 26, 2023: Interest of 9m added. - June 29, 2023: Interest + 200m paid. 250m remain. - July 3, 2023: Interest of 5m added. - July 3, 2023: Interest + loan paid off. - July 3, 2023: Collateral returned. Loan complete Spoiler: YouMyth June 17, 2023 YouMyth28 ( @Yoometh )- 2.06b loan - Collateral: 14 wa 10 str 6 slot maple shield - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 103m (and then 41.2m)/week. You can pay this by purchasing the 1x listed Apple - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Egg items. - June 26, 2023: Interest paid - June 26, 2023: Interest of 41.2m added - June 26, 2023: Interest and loan paid off. - June 26, 2023: Collateral returned. Loan complete Spoiler: emobf June 17, 2023 emobf - 210m loan - Collateral: Giant Teddy Bear chair - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 10.5m (and then 4.2m)/week. You can pay this by purchasing the 1x listed Loose Chain - Payments towards the loan balance can be made in 10m intervals. Pay these off by purchasing Dried Rose Vine items. - June 18: Interest + loan paid off. - June 18: Collateral returned, loan complete. Spoiler: EpicNL May 14, 2023 EpicNL (@Matthew Dam ) - 2.26b loan - Collateral: 8 wa fs - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 113m (and then 45.2m)/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 10m intervals. Pay these off by purchasing Arrow for Bow items. - May 19, 2023: Interest and 1.9b paid. 360m remain - May 20, 2023: 20m paid. 340m remain. - May 22, 2023: Interest of 6.8m added - May 24, 2023: Interest and loan paid off. - May 24, 2023: Collateral returned. Loan complete Spoiler: EpicNL Wednesday, May 10, 2023 EpicNL (@Matthew Dam ) - 3b loan - Collateral: 3x mtk - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 90m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Arrow for Bow items. - May 11, 2023: Interest and 2b paid. 1b remaining - May 12, 2023: 900m paid. 100m remaining - May 14, 2023: Loan paid off - May 14, 2023: Collateral returned. Loan complete. Spoiler: ChuckNL May 10, 2023 ChuckNL - 90m loan - Collateral: 1x mtk - Buy from SylafiaLoans' store in FM 7-7 - Since the loan balance is low, the entire loan will be paid off at once. Purchase the 1x listed Red Potion for 92.7m (interest + loan) - May 10, 2023: Interest and loan paid off - May 10, 2023: Collateral returned. Loan complete Spoiler: EpicNL May 6, 2023 - Collateral: 1x MTK - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 30m/week. You can pay this by purchasing the 1x listed Blue Potion - Payments towards the loan balance can be made in 10m intervals. Pay these off by purchasing Red Potion items. - May 7, 2023: Interest and 800m paid. 200m remaining - May 8, 2023: Loan paid off. - May 8, 2023: Collateral returned. Loan complete. Spoiler: Drop May 6, 2023 @Drop - 1b loan - Collateral: 3x Balanced Fury - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 30m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 10m intervals. Pay these off by purchasing Arrow for Bow items. - May 6, 2023: 150m paid. 850m remaining. - May 6, 2023: 200m paid. 650m remaining. - May 7, 2023: Interest and 650m paid. Loan paid off - May 7, 2023: Collateral returned. Loan complete Spoiler: YouMyth28 Apr 27, 2023 YouMyth28 (ingame) - 250 loan - Collateral: 1x Taru Totem - Buy from SylafiaLoans' store in FM-7-7 - Your INTEREST payment will be 7.5m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 10m intervals. Pay these off by purchasing Arrow for Bow items. - Apr 29, 2023: Interest and loan paid off - Apr 29, 2023: collateral returned. Spoiler: YouMyth28 Apr 25, 2023 YouMyth28 (ingame) - 1b loan - Collateral: 4x Taru Totem - Buy from SylafiaLoans' store in FM-7-7 - Your INTEREST payment will be 30m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 10m intervals. Pay these off by purchasing Arrow for Bow items. - Apr 29, 2023: Interest and loan paid off - Apr 29, 2023: collateral returned. Spoiler: EpicNL Apr 15, 2023 EpicNL (@Matthew Dam ) - 2.56b loan - Collateral: 12/1 bfc - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 76.8m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Arrow for Bow items. - Apr 16, 2023: Interest, 500m paid. 2.06b remaining - Apr 17, 2023: paid 560m. 1.5b remaining. - Apr 18, 2023: paid 500m. 1b remaining - Apr 19, 2023: paid 500m. 500m remaining - Apr 21, 2023: paid 500m. Loan paid off - Apr 21, 2023: collateral returned Spoiler: EpicNL Apr 11, 2023 EpicNL (@Matthew Dam ) - 3b Loan, taken out Apr 11, 2023 - Collateral: 12/1 bfc - Buy from "SylafiaLoans"'s store in fm 7-7. - Your INTEREST payment will be 90m/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Arrow for Bow items. - Apr 11, 2023 interest added - paid Apr 12, 2023 - Apr 13, 2023: paid 500m. 2.5b remaining. - Apr 13, 2023: paid 1b. 1.5b remaining - Apr 14, 2023: PAID 1.5b. Loan paid off - Apr 14, 2023: Collateral returned Spoiler: Defaulted Loans Spoiler: Pinkubean December 15, 2023 Pinkubean - 800m (824m payback) loan - Collateral: 29 tma maple shield, 28 tma single earring - Your INTEREST payment will be 16m/week. You can pay this by purchasing the 1x listed Apple - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Egg items. Loan will be paid off after 0 collateral loan. - Dec 15, 2023: Loan defaulted by request Spoiler: Pinkubean December 14, 2023 Pinkubean - 400m (412m payback) loan - Collateral: NOTHING (10% weekly interest) - Your INTEREST payment will be 40m/week. You can pay this by purchasing the 1x listed Apple - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Egg items - Dec 15, 2023: Loan extended by 100m (515m payback, 50m/week interest) - Dec 15, 2023: 500m (1 ws) paid, and defaulted by request Spoiler: InsaneNL December 2, 2023 InsaneNL - 1.03b (1.06b payback) loan - Collateral: 9 bfc - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 20m/week. You can pay this by purchasing the 1x listed Apple - Payments towards the loan balance can be made in 10m intervals. Pay these off by purchasing Egg items. - ON HOLD: https://royals.ms/forum/threads/id-has-been-blocked.226558/ - Contacted on discord and he doesn't plan to continue the appeal. Loan defaulted. Spoiler: Chapizza October 21, 2023 Chapizza - 650m (670m payback) loan - Collateral: 5 wa fs - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 13m/week. You can pay this by purchasing the 1x listed Blue Potion - Payments towards the loan balance can be made in 10m intervals. Pay these off by purchasing Red Potion items. - October 30, 2023: FIRST missed payment. Balance left: 683m. 13.5m interest added. - Nov 5, 2023: SECOND missed payment. Balance left: 696.5m. 14m interest added. - Nov 13, 2023: THIRD missed payment. Loan defaulted D:, sold collateral for 700m Spoiler: meat July 21, 2023 meat - 2.06b loan - Collateral: 7/27 red pirate top - Buy from SylafiaLoans' store in FM 7-7 - Your INTEREST payment will be 103m (and then 41.2m)/week. You can pay this by purchasing the 1x listed Arrow for Crossbow - Payments towards the loan balance can be made in 20m intervals. Pay these off by purchasing Arrow for Bow items. - July 22, 2023: Interest 1/2 paid - July 28, 2023: Contacted me on discord asking to default on loan. Loan defaulted D:
Back up to 6b available. Thinking I might eventually stock up a lot of ws/cs and start ws/cs loans, with lower interest but required to pay back in ws/cs. Probably a while until that happens though, as I'll want probably 50-60.
not hijacking this thread, but just congratulating myself on the achievement of correctly predicting trends as a mapleroyals pundit, i totally called this was going to happen eventually! Meso-borrowing system | MapleRoyals I wish it great success
Now open for deposits! Withdrawals not supported, and never will be. Biggest problem right now isn't actually money, it's finding loan buyers. So no need to become a full on bank yet.
Down to 2b because I spent far more meso/cs on APRs in 2 days than any sane person should. But hey I used ~1k APRs and my washing on bish should be almost finished
Added another loan to YouMyth, normally I wouldn't reuse items but this case is fine since it's the same person taking a 2nd loan
Sold some stuff, ran some rose garden, crafted some royal throwing stars. Up to 11b now. Also, who's hyped for anniversary?
