Credit Scoring
Your credit score (300-850) is the foundation of UsedPlus's financial system. It gates what you can do and determines your costs.
| Score | Rating | Interest Modifier | Max Vehicle Term | Max Land Term |
|---|---|---|---|---|
| 750+ |
Excellent 
|
-1.5% | 15 years | 20 years |
| 700-749 |
Good
|
-0.5% | 15 years | 20 years |
| 650-699 |
Fair 
|
+0.5% | 10 years | 15 years |
| 600-649 |
Poor 
|
+1.5% | 5 years | 10 years |
| <600 |
Very Poor
|
+3.0% | 5 years | May be denied |
New games start at 650 (Fair). You need to build from there.
Building Credit| Action | Impact |
|---|---|
| On-time payment | +2 points (base) + streak bonus |
| Pay off loan early | +15 points |
| Consistent history (5+ payments) | Gradual improvement |
- Start with a small loan - Finance something cheap you can easily afford
- Never skip payments - Even if you can, steady +2/payment builds over time
- Pay off early when possible - The +15 bonus helps, but consistency matters more
- Multiple small loans > one big loan - More payment opportunities
Destroying Credit| Action | Impact |
|---|---|
| Miss a payment | -45 points (3x worse than late) |
| Asset seized (repossession) | -175 points (vehicle) / -200 points (loan default) |
| Multiple missed payments | Compounds quickly |
Miss one payment: -45 points Miss two payments: -90 points total Asset seized: -175 more points (vehicle)
Recovery takes 23+ months of perfect payments to undo ONE missed payment.
| Credit | Minimum Down Payment |
|---|---|
| Excellent (750+) | 0% available |
| Good (700-749) | 5% minimum |
| Fair (650-699) | 10% minimum |
| Poor (600-649) | 20% minimum |
| Very Poor (<600) | 25% minimum |
| Credit | Max Vehicle Term | Max Land Term |
|---|---|---|
| Any (300+) | 5 years | 10 years |
| Fair (650+) | 10 years | 15 years |
| Good (700+) | 15 years | 20 years |
| Excellent (750+) | 15 years | 20 years |
Base rate varies by economic conditions. Your credit modifier is added:
- Excellent: Base - 1.5%
- Good: Base - 0.5%
- Fair: Base + 0.5%
- Poor: Base + 1.5%
- Very Poor: Base + 3.0%
Tip: Press Esc and select Finance Manager
- Press Esc → select Finance Manager
- Go to Credit Report tab
- See your score, rating, and detailed breakdown
- Cash only for a while - Don't take new loans
- Pay off existing debt - Get the +50 early payoff bonus
- Small secured loans - Once stable, rebuild with small loans you can guarantee
If you're about to miss payments:
- Check if you can sell assets for cash
- Make at least minimum payments
- Consider early payoff if you have cash reserves
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