World Bank Loans: The Daily Payment, the Due Date, and What Clears a Default
Borrowing is the one thing at the World Bank you have to choose, so it is the part worth understanding first. (The treasury and the dividend are the feature spotlight's territory.) A loan is three promises: an installment every night, a due date, and a thirty-day line you never want to reach. This guide walks one loan from the day you take it to the day it ends, with every rule read out of the game's own code on the day it was published.
Before You Borrow: A Third in the Bank
To borrow, you need at least a third of the loan sitting in your NuPointz Bank account (the loan page puts it as 33.33%). Flip that around and the most you can borrow is about three times what the account holds. The page shows that figure as Max Eligible, and its amount slider moves in steps of 10,000 NP.
Three more gates stand in front of the loan desk. You can hold one loan at a time, you cannot borrow while banished, and the Bank itself has to have the NP to lend. When a loan goes through, the NP lands in your wallet, not your bank. File that away; it matters more than it sounds.
Four terms are on offer, as the live terms list read on the day this was published:
| Term | Days | Interest | You can borrow |
|---|---|---|---|
| Short | 30 | 5% | 100,000 to 10,000,000 NP |
| Medium | 60 | 8% | 100,000 to 25,000,000 NP |
| Standard | 90 | 12% | 100,000 to 50,000,000 NP |
| Extended | 180 | 18% | 100,000 to 100,000,000 NP |
What It Costs, Settled on Day One
The interest is decided the moment you borrow and never moves. What you owe is the amount plus the amount times the term's rate. Your daily payment is that total divided by the term's days, and your due date is that many days from the minute you borrowed. For the smallest loan, 100,000 NP, it comes out like this:
| Term | Total owed | Daily payment |
|---|---|---|
| 30 days | 105,000 NP | 3,500 NP |
| 60 days | 108,000 NP | 1,800 NP |
| 90 days | 112,000 NP | 1,244.44 NP |
| 180 days | 118,000 NP | 655.56 NP |
The loan page rounds those last two to 1,244 and 656. Keep that in mind for the catch-up arithmetic further down.
Because the interest is fixed on day one, paying early saves you nothing and costs you nothing. The balance only ever comes down, and only by payments. Paying ahead does not buy you a night off, either: the next night still takes a full installment, and the loan simply ends sooner. Early repayment is relief, never a saving.
The Nightly Collection: Bank First, Wallet All or Nothing
Every night at 03:00 UTC, which is 11 PM Eastern the evening before while daylight saving time runs and 10 PM Eastern in winter, the loan run visits every active loan and collects in this order:
- Your NuPointz Bank account first. It takes as much as the account holds, up to what is due.
- Then your wallet, but only for all of the rest. If the wallet can cover everything the bank did not, it pays that. If it is even 1 NP short, it pays nothing at all that night.
That second rule is the one that catches people, because the NP you borrowed arrived in the wallet. The bank is happy to pay in part; the wallet is a perfectionist. On the 30-day, 100,000 NP loan above, a night with an empty bank and 3,499 NP in the wallet collects nothing at all.
The first night comes fast
The run does not wait for a new loan to settle in. Your first installment is taken at the first 03:00 UTC after you borrow, so a loan taken late in the evening, Eastern time, can be collected the same night.
Missed Days, Before and After the Due Date
A missed day is a default day, and the loan page counts them as days in default. What makes one depends on which side of your due date the night falls.
Before the due date, only a night on which nothing at all is collected is a default day. If the bank collects anything, even less than the installment, the night counts as paid. The shortfall does not vanish, though. It stays on the balance and waits for the due date.
Past the due date, the whole remaining balance is due every night, and the loan page says so: Days Left reads Overdue, and Daily Payment shows the whole balance. Any night the whole balance is not collected is a default day, even when the bank took part of it. What the bank took still comes off the balance, so it is not wasted. It just does not stop that night from counting.
Thirty default days, not thirty days
Each default day adds one to your count, and the 30th banishes you. A night that is not a default day stops the count growing, but only a payment that covers the missed days winds it back, and that payment is the next section.
Default, and the One Payment That Ends It
What default changes
From your first default day until the count clears, the NP from every game score you submit goes to the loan, up to what you still owe, before any of it reaches your wallet. Only a score that finishes paying the loan off leaves you the change. (The games that pay NP for a submitted score are counted in what actually limits a day's earning.)
The loan page also shows a warning with your days in default and the days left until banishment. On the 30th default day, the banishment lands. The Bank collects what you owe from your NuPointz Bank account first and your wallet after, marks the loan defaulted, and shuts the loan desk to you for 180 days. The collection never takes more than you owe, so a small debt can never empty a large balance. Banished players also miss the dividend until the banishment ends.
The way out
Short of banishment, your count clears in only two ways: the loan is paid off, or a single payment covers every missed installment, meaning your days in default times your daily payment. The rule exists so that a sliver of NP on day 29 cannot put banishment off forever. Three things follow from it:
- Small payments never add up. Each payment is judged on its own.
- One missed day is easy. The next full installment covers it, because one installment is one day.
- Two or more missed days are yours to fix. Before the due date the nightly run takes one installment at most, and one installment is less than two. A paid night keeps the count from growing, but you stay in default, and your game NP keeps going to the loan.
The number the warning leaves out
The warning counts days, not NP. Before the due date, take the Daily Payment on the loan page, add 1 NP (the page rounds it, and the real installment can carry a fraction), and multiply by your days in default. Pay that in one go.
To pay by hand, press Make Manual Payment. It asks how much, then whether to pay from your bank (OK) or your wallet (Cancel). The account you pick has to hold the whole amount, and the payment never takes more than you owe.
Past the due date the same rule keeps working, one night at a time. If a night's collection covers your missed installments, the count is cleared first, and that night, with the balance still not cleared, becomes day one of a new run. From then on, one installment's worth in the bank each night holds the count at one while the balance comes down. The count stops for good only when the balance is gone, and the page shows that figure right where the daily payment used to be.
The Habits the Rules Imply
- Keep the day's installment in the bank. The bank goes first and pays in part; the wallet pays the whole rest or nothing.
- If you fall behind, catch up in one payment, not a trickle. Only a single payment that covers every missed day clears the count.
- Borrow for a term whose installment your ordinary days can cover. A short night before the due date is not a missed day, but every NP it left behind is waiting on the due date, when the whole balance comes due every night. The NP farming guide will help you size an ordinary day.
This is a game, not your money
Nothing here is advice about real banks, real lending or real money. NuPalz Points are a game currency and the World Bank is a game system.
Where the treasury's NP comes from and how the dividend is split live in the World Bank feature spotlight. Why the Bank is allowed to reach into what you hold at all, and why that power sits behind a door you have to choose, is the lore piece, why the World Bank has a door it can close. Your own Daily Payment, Days Left and Max Eligible figures are on the World Bank page, and the best time to look is before the next 03:00 UTC.