question about a bank loan

[➳𐌋𐌆𐍈𐌽🦁一⚔]

would you suggest i take out a bank loan and buy my own truck and hire people or keep saving to buy a truck

[J4CKI3]

I saved until I got my own truck, then got a loan for employees.

[Rookie-31st]

Take small loan to cover basic day cab cost, and enjoy trucking

[Zilljah]

Suggest you save up to get your first truck, then save up a nest egg ($200k) before taking out a loan to get an employee and their truck. The nest egg gives you a cushion so if you don't have a big job, you'll still be able to cover loan payments, fuel, repairs, etc. Pay your loan off when you've got enough money saved but with enough in the account to cover expenses. Pay for as much as you can out of pocket, using loans for expansions (bigger garages, new cities, adding drivers, etc.)

[margalus]

I always save up doing quick jobs until I get enough to buy my first truck outright. Then I get loans to buy a second garage and a couple trucks for drivers.


Never upgrade your starting garage until you have multiple other garages at 5 slots. Upgrading your starting garage is the most expensive thing you can do in the game.

[Sekkuar666]

I insta loaned 100k then went to the truck store and wasn't enough so I went back and loaned another 400k

Now I have to pay 7500 a day

Best deal ever.

[carllyngholm]

Personally, I took out an intial loan after doing like, one quick job to buy my first truck and then did freight jobs for quite some time before even thinking about buying another truck or hiring a second person. By that time, I didn't need to take out another loan. But yeah, I don't really think it's all that critical if you decide to wait to take out a loan or not, just be sure to take out only one early on so you don't find youself in a situation where your daily loan payments substantially negate your daily income. Expanding your company is kind of a weird thing in this game, it doesn't really effect or enhance the actual game in any substantial way beyond increasing your income, but after a while money becomes kind of meaningless because there's nothing to spend it on beside buying more garages, trucks, and drivers.

[BOYCOTT]

to be entirely honest, no, no contest at all, using the provided trucks is much more profitable for the entirety of the game, by far, you don't have to pay for any repairs you might need.

drive a provided truck poorly and hit a telephone pole and you'll get a worse reward and score, if you do the same with a truck you own enjoy the insane repair costs, i've paid more than $25k for repairs after one particularly drunken delivery before.

[Fury6]

Originally posted by high impact sexual violence:

would you suggest i take out a bank loan and buy my own truck and hire people or keep saving to buy a truck

The most economically sound course is to keep saving until the bank offers the largest loan (400K). Then take that loan and either expand your existing garage or buy a second one. Buy a truck for yourself and another for an employee and hire your first employee.

Once you have your own truck you'll be almost doubling your income from Freight Jobs (Freight Jobs actually pay double but you'll have to pay for your own expenses out of that) and will be having no problems whatsoever covering the daily interest plus plenty left over for savings and covering any initial losses from your employee (until he levels up more he won't earn you much and tends to dead-head back home more often).

Either way, it's your game, play it how ever you like. No matter what you do it won't be long before you're making more money than you'll ever know what to do with. Some paths will just get you to that point a little sooner than others :).

[ttower]

I completely avoid loans. Saving makes the purchase much more satisfying, and really add to the gameplay, so you arent just immediatly rushed to being a millionare with 50 workers, which loans help you do too fast. If you save with quick jobs, you will also have much more Xp wen you go to buy your truck, allowing you to get a much better truck, as well as learning each truck through quick jobs, and choosing your favorite.

[pharmtech54]

If your into MOD's, try hauling Haz./Mat. loads. They pay BIG $$. This should get you enough $$ to get you started and underway, just a thought. You have to own your own truck though, at least to get the full benefit.