The problem with loans.

[6000 Chipmunks]

So, I've been taking out unneeded loans to up my credit score.
Turns out, after a few times, you can no longer GET loans on those items.
So much for improving my score, OR getting any of those items loaned to me for the rest of the game?
Seriously? Have I missed something?

[Rümmler]

Haven't tried that scam yet. :P Does a tooltip say anything about it or are the potatoes just greyed out or something?
I guess potatoes would be a very easy way to scam up the loan score. Wood probably as well.

Did you try rotating through "easy to scam" products?

[6000 Chipmunks]

Thanks again, Rummler.

I don't typically use the same product for upping my score. Although, there are only a few items that you can make in quantity that you can use for loans to up the score.
So, I typically used, some concrete, some iron, some steel, some copper, some oil, etc..
I never used food before, although that is also a possibility.

I only ever took a loan for 100 of each. I mean it's not like I was over-burdening or stockpiling huge masses of stuff.

I've maxed my rep with all the settlements that I can reach at the moment.

This inability to get loans for those items in the future has put quite the pinch on my future endeavors, it would seem.

Edit: I could see this happening, if I had somehow defaulted on my loans, but I haven't.

[Rümmler]

I tried it once on my current map with potatoes, because I was drowning in it so I thought I mainly loose a bit of diesel for the transport. Wasn't using fertilizer nor irrigated farms yet, so no loss on water either.

That's really handy to know, I will keep your post in mind once I start tackling loans again.

[6000 Chipmunks]

Thank you.

[imPyre]

It's my understanding that the terms of the loans on offer depends on your production capacity for the items being requested. That is, you cannot ask for a loan for an item you cannot make... as you'd have no way to repay it. This also prevents players from abusing the loan system to artificially skip tech levels. It's worth mentioning that my experience with the loan system has shown me that the loans on offer, amounts you can borrow, and what items you can borrow are all constantly updating. Furthermore, they seem to be based on *actual* production, *not* production "capacity". So if you borrow iron plates several times, then later on your logistics gets clogged up and your plate casting isn't operating for one reason or another, within a few months you'll lose the ability to borrow iron plates because the game sees that you aren't manufacturing any of them.