Banking & Finance
JetCard features a full financial system with fictional banks, loans, leases, and a transaction ledger.
Bank Page
The Bank page has two panels:
- Left — transaction ledger with filters (All, Revenue, Expenses, Loans) and date ranges
- Right — lender directory and active loans
Click any transaction row to expand it. Charter completion transactions show a detailed financial breakdown: charter value, fuel cost, FBO fee, JetCard Care, net payout, and reputation change.
Lenders
Ten fictional banks across five reputation tiers. All lenders are visible on the Bank page, but locked ones are grayed out until you reach the required reputation.
| Tier | Rep Required | Max Loan | Interest Rate | Max Term |
|---|---|---|---|---|
| Starter | 0 | $1M | 12.49-13.49% | 12 weeks |
| Regional | 21 | $5M | 9.99-10.49% | 24 weeks |
| National | 41 | $15M | 6.99-7.49% | 36 weeks |
| Private | 61 | $40M | 4.49-4.99% | 48 weeks |
| Elite | 81 | $100M | 1.99-2.49% | 52 weeks |
Each bank has a named contact officer who appears in your jPhone contacts and sends you text messages about your account.
Loans
Click an unlocked lender to apply for a loan. Set the amount and term, preview the weekly payment, then confirm. Funds are deposited to your balance immediately.
Payments
- Minimum payment — one weekly installment
- Quick buttons — Min, 3 Weeks, Full Payoff
- On-time bonus — +0.3 reputation per on-time payment
- Auto-processing — a daily cron job processes overdue payments automatically
Missed Payments
| Consecutive Misses | Consequence |
|---|---|
| 1 | Flagged, -2.0 reputation (after 48hr grace) |
| 2 | Warning state, continued rep penalties |
| 3 | Default — loan terminated, -5.0 reputation |
Refinancing
When your reputation improves enough to qualify for a better bank, a green Refinance button appears on your active loan card. Your banker will also text you via jPhone with the offer.
Refinancing:
- Closes your existing loan (marked “Refinanced” in history)
- Opens a new loan on the remaining balance at the lower rate
- No lump sum required — the balance rolls over
- Adjustable term via slider
- Side-by-side comparison of current vs new rate, payment, and savings
- +0.2 reputation bonus for improving your financial standing
Leases
Aircraft leases work like loans with weekly payments. Key differences:
- JetCard Care is mandatory on all leased aircraft
- Fixed weekly payment amount (no variable payments)
- When fully paid, the aircraft transfers to your operator permanently
- Default — 3 consecutive missed payments results in aircraft repossession
Payout Structure
Your earnings per flight depend on your pilot status:
| Status | Payout |
|---|---|
| FREELANCE | 10% of charter value |
| EMPLOYED | Negotiated rate (set by operator owner at hire) |
| OWNER | Charter value minus fuel, FBO, and JetCard Care costs |
Owner payouts can go negative on unprofitable routes — picking a bad flight is a real business consequence.
Transaction Types
The ledger tracks all financial events:
- Charter Payout / Charter Revenue
- Aircraft Purchase / Aircraft Sale
- Loan Disbursement / Loan Payment / Loan Refinance
- Lease Payment
- AI Ferry / Pilot Ferry / Ferry Pay
- Formation Fee / Base Purchase
- Maintenance / JetCard Care