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A free FiveM script that adds a complete financial ecosystem with credit scores, manual loan payments, and a player-driven debt collection agency.

Preview

Magister Loans - #1 Financial Loans, Credit System, and Debt Collection Business

Overview

Magister Loans & Credit System brings a realistic financial layer to your FiveM server. Players earn and lose credit scores based on payment history, unlocking higher borrowing limits as they prove reliable.

The system requires manual visits to a loan office for payments, encouraging active roleplay. Missed deadlines trigger late fees and credit drops, and debts can be sold to a collection agency that tracks defaulters via live map blips.

Key Features

Dynamic credit score on a 0–999 scale that rises with on-time payments and falls with missed deadlines.
Borrowing limits scale directly with credit score, rewarding financially responsible players.
Configurable loan parameters: min/max amounts, interest rates, and payment intervals for Personal, Vehicle, and Business loans.
Manual banking mechanics require players to visit a loan office for single installments or full payoffs.
Automated penalty system applies late fees and drops credit scores when payments are missed.
Live map blip tracking updates the location of assigned defaulters for collectors.
Complete lock-out of bank interactions once a debt is sold to the agency, forcing direct contact with collectors.
Agency Boss UI with an integrated roster system to view, hire, and fire employees, including offline management.