Pawn Banker
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PawnBanker is a feature-rich Minecraft plugin that enables players to purchase a Banker License and operate a fully interactive pawn shop system - offering loans to other players.
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🏦 PawnBanker — Loan & Pawn Shop System
💡 Transform your server economy. Let players become licensed bankers, negotiate real loan deals, and manage collateral — all through stunning in-game GUIs.
🌟 What is PawnBanker?
PawnBanker brings a fully functional banking & pawn shop system to your Minecraft server. Players can earn a Banker License, offer loans to others, require collateral items as security, and manage everything through a dual-player bargaining GUI — complete with live countdown timers, automatic forfeitures, and a credit score system.
✅ No external economy plugins needed. Works completely out of the box.
✨ Features
🪪 Banker License System
Pay a configurable server fee (default: $10,000,000) and unlock the full banker toolkit permanently. Server owners can set any price they want in config.yml.
🤝 Live Dual-Player Bargaining GUI
A shared real-time inventory opens for both players. The Banker sets principal, interest & duration while the Borrower places collateral items. Both must confirm before the deal locks in.
⏱️ Smart Countdown Timer
Active loan timer shown via ActionBar or BossBar (your choice in config). Color shifts dynamically:
- 🟢 Green — Plenty of time remaining
- 🟡 Yellow — Halfway through the loan period
- 🔴 Red — Critical, deadline is near
🏚️ Banker Warehouse Vault
Loan expired unpaid? Collateral automatically forfeits to the Banker's private GUI vault. Items are safely stored and persist across server restarts.
📊 Credit Score & Reputation System
Every player has a 0–200 reputation score. Repay on time = score goes up ⬆️. Default = score goes down ⬇️. Bankers can check borrower scores before offering any deal.
💸 One-Click Repayment GUI
Borrowers repay via /loan pay. Money transfers and collateral returns are fully automated — no admin intervention needed.
⚙️ Fully Configurable
License price, currency symbol, timer display mode, loan duration limits, and credit adjustments — all editable in config.yml without any restart.
🎮 How It Works
Step 1 — Become a Banker
Pay the $10,000,000 license fee (configurable) and unlock full banker access instantly.
Step 2 — Send a Loan Offer
The target player receives a clickable glowing message in chat to accept the deal.
Step 3 — Negotiate at the Bargaining Table
A shared GUI opens for both players simultaneously:
- 🟡 Banker → Sets Principal ($) · Interest ($) · Duration
- 💎 Borrower → Places Collateral Items
- ✅ Both confirm → Deal is locked & loan goes live
Step 4 — Loan is Active
- 💰 Borrower receives $ money instantly
- ⏳ Live timer appears on screen, updating every second
- Colors shift from 🟢 → 🟡 → 🔴 as deadline approaches
Step 5 — Repay or Forfeit
| Outcome | Result |
|---|---|
| ✅ Repaid on time | $ transfers · Collateral returned · Credit +5 |
| ❌ Deadline missed | Collateral forfeited to Warehouse · Credit -20 |
📋 Commands
| Command | Who | Description |
|---|---|---|
/banker buy |
Anyone | Purchase a Banker License |
/banker balance |
Anyone | Check your $ balance |
/banker warehouse |
Banker | Open private collateral vault |
/loan offer <player> |
Banker | Send a loan invitation |
/loan accept <banker> |
Borrower | Accept & open bargaining table |
/loan pay |
Borrower | Repay active loan via GUI |
/loan list |
Anyone | View all active loans |
/bankeradmin reload |
Admin | Reload config without restart |
/bankeradmin give <player> |
Admin | Grant license manually |
/bankeradmin revoke <player> |
Admin | Remove a banker's license |
🔒 Permissions
| Permission Node | Description |
|---|---|
pawnbanker.use |
Use basic plugin commands |
pawnbanker.admin |
Access admin & management commands |
📊 Credit Score Tiers
| Score | Rating | Meaning |
|---|---|---|
| 150 – 200 | 🟢 Excellent | Highly trustworthy — safe to loan |
| 100 – 149 | 🟡 Good | Reliable borrower |
| 50 – 99 | 🟠 Fair | Lend with caution |
| 0 – 49 | 🔴 Poor | High risk — avoid lending |
⚙️ Configuration
📦 Compatibility
| 🎮 Minecraft Version | 1.20.1 |
| 🖥️ Platform | Paper / Spigot |
| ☕ Java Version | Java 17+ |
| 🔌 Vault | Optional (built-in economy included) |
| 📦 Dependencies | None required |
"The first plugin that makes Minecraft feel like a real economy." 🏆
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5_Repayment.png 5_Repayment.png -
4_Warehouse_Vault.png 4_Warehouse_Vault.png -
3_Active_Loan_Timer.png 3_Active_Loan_Timer.png -
2_Bargaining_GUI.png 2_Bargaining_GUI.png -
1_Banker_License.png 1_Banker_License.png
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