Endless Sky improves upon the Escape Velocity series it was inspired by and modeled after by adding a banking/financial system, complete with loans/mortgages, interest rates, a credit score mechanic, and even death benefits (you pay relatives of the deceased when a crew member dies).

I understand the basics of how these work, including the credit score: a higher credit score means you can apply for larger loans with better interest rates, just like in the real world.

My question:

What factors determine your credit score, and how important is each relative to the others?

Factors that seem relevant:

  • Recent income (loans are higher when I have been making more money)
  • Net worth
  • Amount of debt (loans, bereavement, etc.)
  • Capacity for repayment (combat rating? cargo capacity?)

Credit score in endless sky is determined by when you make payments on loans it goes up 1 point each time you make a payment on time, and -5 when you miss one. The game tracks your net-worth over last 100 in game days in order to estimate your daily income which is what decides on how big of a loan you can get. The source being here in the game mechanics tab under loans and credit score. http://steamcommunity.com/sharedfiles/filedetails/?id=545464233

Your Answer

By clicking “Post Your Answer”, you agree to our terms of service, privacy policy and cookie policy

Not the answer you're looking for? Browse other questions tagged or ask your own question.