# Loan & Credit Score Configuration

> This section defines how **loan issuance**, **credit scoring**, and **banker role limitations** work in Kartik-Banking. Customize penalties, interest rates, available loan terms, and credit score logic to align with your server's financial realism. These settings also define whether loans are deducted from a banker’s preloaded account or spawned from server-side funds.

```lua
Config.Loans = {
    penalty = 0.05,
    interest = 0.05
}

Config.Banker = {
    account = "banker",
    defaultAmount = 300000,
    enableDeduction = true -- this means all money flow will be from this account of loans and all
}

Config.CreditScore = {
    minimum = 300,        -- Minimum score required for loan approval
    default = 300,        -- Default score for new players
    maximum = 850,        -- Maximum possible credit score
    baseScore = 300,      -- Base score for interest rate calculation

    -- Score adjustments
    onTimePayment = 2,    -- Points added for on-time payment
    latePayment = 5,      -- Points deducted for late payment
    minimum_score = 300,  -- Absolute minimum score possible
}

Config.LoanOptions = {
    -- termUnit = "months", -- Change this to 'weeks' or 'months'
    -- termOptions = {
    --     { value = "3", label = "3 Months" },
    --     { value = "6", label = "6 Months" },
    --     { value = "9", label = "9 Months" },
    --     { value = "12", label = "12 Months" },
    --     { value = "15", label = "15 Months" },
    -- },
    -- Alternative configuration for weeks:
    termUnit = 'weeks',
    termOptions = {
        { value = '4', label = '4 Weeks' },
        { value = '8', label = '8 Weeks' },
        { value = '12', label = '12 Weeks' },
        { value = '16', label = '16 Weeks' },
        { value = '24', label = '24 Weeks' },
        { value = '52', label = '52 Weeks (1 Year)' },
    },
}
```
