MicroLoan

MicroLoan

Beat Minecraft, but you took out a microloan. 1 diamond. 10% interest per minute. Debt collectors. Good luck.

About

The first time you join a world, a friendly Credit Manager offers you 1 diamond — right now, no checks, no guarantors. Sign the contract, and from that moment the interest ticks every minute, the fees pile up and the collectors start calling. Pay with diamonds, take odd jobs, deal with banks, scammers and bureaucracy — and try to finish the game before the debt finishes you.

Features

• A 1-diamond loan with compound interest every minute, plus service and insurance fees
• A non-refundable insurance deposit — normal payments never bring the debt to zero
• 5 levels of debt collectors: SMS spam, polite visits, a "psychologist", a call to your mom, shame signs near your home, a Recovery Squad that seizes your items and the Collector Boss
• VIP collectors follow you even into the End
• 16 NPCs: Credit Manager, Other Creditor, Business Coach, Pawnbroker, Lottery Man, Tax Inspector, a fake Bank Representative, Draft Office and more
• 9 jobs to pay off the debt: mining, zombie hunting, courier, taxi driver, a paid protest with police vans and a "self-help marathon"
• Random events: financial crisis, amnesty, inheritance, card block, redenomination, draft notice and more
• Credit Bureau: overdue payments push you onto the grey and black lists
• Floating diamond exchange rate and market news
• Gosuslugi terminal and Public Services Desk: income certificates, subsidies and bankruptcy petitions
• Bankruptcy: a trustee follows you and seizes your most valuable items
• Credit Pyramid, MMM shares, refinancing, VPN, cashback and installment cards
• On-screen HUD with your debt, rate, credit score and bureau status
• 6 achievements and a final summary of your financial journey
• Fully configurable

How to get out of debt

There are only two ways — defeat the Ender Dragon or go bankrupt.

Video

Requirements

• Minecraft 1.20.1
• Forge 47+

The mod is available in English and Russian.