Loans, or grind?

[5O9 Mike]

I was wondering since I always get my trucks impounded from poor driving and paying back loans, if I should just do the little 3k at most quick job until i get 105,000$ to get the truck? Or just getting a 100k loan. Which is better in the long run?

[ZirzoR]

In the long run I think its better to use safe driving, hehe.

But yeah taking loans is just straight up trash, if you can grind it out and put on some music and just take the longer jobs (With long driving perks) You will get a lot of cash.

I myself dont get my trucks impounded or such but, I try and be a safe driver, check both ways, use blinkers, ya know the basics.

Drive abit slower in the rain/snow, use wipers during so you can see better, use better lights during darkness/rain/snow etc etc.

[orb]

I can't say how it would in the long run when you don't do "perfect" or "good" jobs, but with "perfect" and "good" jobs, you and 1-2 your employees should earn much more money daily for you including paying off the loan, than with only you doing just quick jobs without a loan.

Originally posted by ZirzoR:

(With long driving perks) You will get a lot of cash.

But also the longer the job, the higher the chance it will get impounded.


I always at the start prefer opening myself high value, fragile, and quick delivery jobs before long driving jobs (but maybe because I usually don't have much time to play the game in a single run, and I don't like leaving the game with an unfinished job).

[Pickle Bath]

Some of the appeal of ETS 2 to me is having my own truck, choosing my own jobs, and customizing my rig. So I get a loan, but a super cheap barebones truck, and do freight jobs. Then I slowly save up, pay off the loan, and trick out the truck.

[Nimir-Raj]

The loans in this game are pointless, it's so easy to make enough money to buy your first truck in one play sitting. I suppose if you have limited time, a loan might help you, but generally speaking I would say don't bother.

If you do take a loan, make sure you are getting enough daily income to pay off the daily repayments other wise you may find your truck being repossessed after a week. ;)

[Tark]

I bought my first truck when I had about a thrid of the price, $35 - $50k, depending. I then take out a 100k loan and buy the truck. From there I let the jobs pay for upgrading the garage, then purchasing two trucks and hiring the drivers for same.

I let the loan pay itself back in daily installments. Not a big deal. By the time it's paid back I usually have three to four garages and at least one truck in each.

Fun times.

[khaoste]

Get the loan for your first truck, it's better. You'll gain more money for the deliveries, and in a little bit of time you'll have the money to pay off it.

[Hallux]

I did the grind using supplied trucks until I could buy my own. In both ETS2 and ATS I never had a loan. I now have the original one truck garage and an additional garage with 3 trucks in it in each game. Just about time to expand the initial garage or buy a 3rd and hire more drivers after buying trucks to fill the slots.

[Dave]

Loan then grind to repay (cause you're gonna be driving for hours anyway regardless with close to no real money sink) = instant personal truck. Plus not to mention it's inevitable that ye'll get to the point when money becomes meaningless in this game, everyone does.

[B✪✪tsy]

The grind is only in the beginning really. Once you have a few truckers working for it is incredibly easy to get rich. The only thing you still have to work/drive for is the XPs (unless you mod/cheat).

[Boris]

i did a loan after i had a few bucks to get my first truck.Later the loan is helpful if u are in a town and want to buy there a garage without money in your pocket.
With a garage in a northern town and one in a southern town and even a few driver you can do later the quick travel between em..earning money for doing nothing in a "quick" way.

[tdb]

Loans are a way to get started more quickly, and as a gut feeling they're worth it. I did only two quick jobs, then took the bank up on their loan offer and bought my own truck. Now I have two garages and four other employees, with a truck for each. If I hadn't taken loans I'd probably still by driving my first truck.