Should You Take Loans in Supermarket Simulator and How To Do It

Supermarket Simulator is a very fun and relaxing game that allows players to manage their own store. You take care of all the necessary tasks required for a successful store. However, as with any other business, you are bound to face both ups and downs in your supermarket journey. When you find yourself struggling with profits and feel like things are heading towards bankruptcy, you can rely on the available loans.

Supermarket Simulator offers loan options that can help you either in a difficult moment or when you are striving to develop your supermarket. However, they come with their pros and cons, which you need to keep in mind before taking on the responsibility of a loan. In this article, you will find everything you need to know about Supermarket Simulator loans so you can make informed and thoughtful decisions in your gameplay.

Table of Contents:

• How to Take Loans in Supermarket Simulator?
• Is Taking a Loan a Good Idea? 

How to Take Loans in Supermarket Simulator?

You can find the loans on your computer. Click on the "Loan" icon to see all the available loan options you have. There are different loans depending on their size, but all of them have a 15-day term length. Basically, you will pay back your entire loan plus the additional percentage within those days.

All you have to do is choose one of the loan plans you prefer and press "Take a Loan". Start with the Basic Loan just to see how it goes. The daily payment should be easily achievable for everyone.

The daily payment will be automatically deducted from your profit at the end of the day. Just make sure you have enough money to cover it. If you are doing very well with your profits, you can even transfer your payments in advance and repay the loan early.

Is Taking a Loan a Good Idea? 

First, let's start off by saying that you should not be afraid to take out loans. After playing for some time, you can already keep track of your daily profit. Make sure that you can afford to take a loan based on your income. Taking a loan suddenly will not solve your problems and might worsen them by putting you in debt. Calculate your financial abilities and assess the risk.

The disadvantage of taking a loan is pretty clear - the risk of bankruptcy. If it seems like too big of a risk, simply don't take it. Your supermarket can develop just as well without any additional financing.

Loans will help you the most if you are working towards getting a new, more expensive food license or if you want to make some major renovations. In that case, go for it. Getting new items for sale will likely boost your profits quickly, resulting in you paying off your loans without a problem.

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