American Truck Simulator Bank Guide
American Truck Simulator Bank Guide
In American Truck Simulator Bank Guide we’ll try to explain how you can obtain a loan from bank and how the loan is repaid. If you are low on funds you can easily get a loan American Truck Simulator. If you wonder where is this option, you can have this choice at the start of the game after you complete some orders. After that you progressed in the game the loan limit will be raised to $500,000/-. If you want to visit the bank, open the driver’s screen and just click on a “$” icon in bottom right corner of screen.
If you want a loan of $400,000/- you will pay interest at 12% or if you want a loan of $100,000/- the interest rate is 18%. You may think that 
the interest rates are pretty high but these are not because these interest rates are annual. The main point if taking a loan is that it can help you upgrade your truck or garage or you may buy a new truck/garage. Your new truck will bring more funds as earning/profits so taking a loan is not a bad idea just keep a n eye on your financial position and budget.
Before taking a loan you need to check the total cost of that loan, to do this, just multiply your daily loan installments with days. For example you take a loan of $400,000 at 12% which will cost you $5,788 daily. The bank will receive (70X5,788) $405,160 and if you think, this merely $5000 is nothing compare to what you can do with this $400,000 loan.
When you have a debt and installment time comes it will automatically 
repaid from your account balance which means you do not need to go the that bank option when installment is due. When this installment is repaid you will hear a sound and relevant information will be displayed on your screen. If you have more than one loans your installments will be paid at noon but if you have only one debt the installment will be paid at hour of your taking that loan.
All the information regarding loans, installments, repayment, and remaining debt are available in bank window. If you want to, you can repay the whole loan by clicking the “Repay Loan” option. You can only pay installment or the total loan, you can not pay some part of the debt.
You should keep a close eye on your balance because it can be negative, all your expenses such as repair, fuel, etc. can make your balance negative and when that happens, the bank will intimate you about your finance position and withholding of your loan. You can have this negative balance for few days but that’s not recommended, just take good orders and try to make good money so that your balance will turn black again. The main goal of taking a loan is to earn money by utilizing it wisely, not just making debts!
