Banking & Finance

JetCard runs a full financial system — fictional banks, loans, leases, and a transaction ledger that tracks every dollar in and out. Most of the actions on this page also move your reputation, positive or negative — those impacts are called out inline and summarized at the bottom.

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 the reputation change applied for the flight (including any landing-rate bonus or penalty — see Reputation).

Lenders

Eight fictional banks across four reputation tiers. All lenders are visible on the Bank page, but locked ones are grayed out until you reach the required reputation. The bank unlocks at reputation 25 — below that, no lender will work with you. This matches the bankruptcy re-entry gate, so a pilot pulling out of bankruptcy crosses the same threshold as a brand-new pilot getting their first loan.

Within each tier you’ll see two banks: the lower-rate one offers a shorter max term, the higher-rate one offers a longer max term (+1.5% premium for the extra time). Pick based on whether cash flow or total interest matters more for the loan you’re taking.

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
• Auto-processing — weekly payments deduct from your balance automatically when they come due. A daily cron sweeps any missed installments and applies the escalation below if your balance can’t cover.
• On-time bonus: +0.3 reputation per on-time payment — over the life of a loan this adds up to a meaningful rep gain in addition to the credit you’re building

Missed Payments

If a weekly payment hits its due date and your balance can’t cover it, you get a 48-hour grace window. After that:

Your banker will text you via jPhone at each escalation. A defaulted loan stays on your record and your banker won’t extend credit again until your overall reputation has recovered into the next tier.

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 for improving your financial standing

Leases

Aircraft leases work like loans with weekly payments. Key differences:

• JetCard Care is mandatory on all leased aircraft
• Weekly payment depends on lease duration — shorter leases price higher per week (less time for the lessor to recover the asset), longer leases discount. Approximate multipliers vs the 39-week baseline: 12w ≈ 1.55×, 26w ≈ 1.20×, 39w = 1.00×, 52w ≈ 0.85×
• Auto-processing — weekly lease payments deduct from your balance automatically when they come due. The same daily missed-payment sweep applies as on loans.
• On-time bonus: +0.2 reputation per on-time payment

Lease Payoff (Buyout)

At any point during a lease you can buy the aircraft outright. The payoff price is current market value minus what you’ve already paid in, so a lease you’ve been faithfully paying becomes cheaper to convert into ownership the longer you’ve held it.

Payoff converts the lease into a purchase: the aircraft goes from leased to owned, JetCard Care becomes optional, and you collect +10.0 reputation for committing to the airframe.

Lease Termination (Early Return)

You can end a lease early and walk away from the aircraft. Cost:

• 2× weekly payment penalty at termination
• -10.0 reputation
• Aircraft returns to the NPC marketplace

Use this when an aircraft no longer fits your operation and you’d rather take the hit than keep bleeding weekly payments. The rep hit is steep on purpose — this is an option, not a casual maneuver.

Lease Default

3 consecutive missed lease payments triggers repossession — the aircraft is pulled back to the marketplace and you lose all access to it. Reputation hits match the loan missed-payment ladder.

Lease Expiration

If you ride the full term and don’t elect to pay off, the aircraft returns to the marketplace when the final payment clears. No rep change, no penalty — clean exit.

Bankruptcy

A Declare Bankruptcy option sits on the Bank page between the bank card and your active loans. It’s a permanent account reset for pilots who’ve dug themselves into a hole they can’t climb out of.

What it does:

• Discharges all outstanding loans
• Terminates all leases (no rep penalty for the termination itself — bankruptcy supersedes the normal -10)
• Resets balance to $0 — forfeits the original starting cash you were provided
• Resets reputation to 0 — forfeits the starting rep you were provided, account back to all zeros
• Releases you from your employer if EMPLOYED or Chief Pilot, reverts you to FREELANCE

Gates:

• OWNER pilots can’t declare bankruptcy directly — you must dissolve your operator first (Company → Admin → Dissolve)
• Active charter or trip blocks the action — complete or abandon what you’re flying first
• Two-step confirm with a check-box acknowledgement prevents misclicks
• You cannot take another loan until your reputation reaches 25 (matches the bank entry tier)

Bankruptcy is permanent — there’s no undo. Use it when an operator collapse or a string of bad decisions has left you with debt you can’t service and you’d rather start fresh than grind out of it.

Payout Structure

Your earnings per flight depend on your pilot status. Charter value is the gross — what the client pays — and what reaches your balance depends on who’s flying for whom.

Chief Pilot is a promotion above EMPLOYED with extra responsibilities (see Company & Operations) but uses the same negotiated rate — there’s no automatic raise tied to the role itself.

Owner payouts can go negative on unprofitable routes — picking a bad flight is a real business consequence. When you own and your employees are flying, you’re paying THEM their rate AND covering fuel, FBO, and JetCard Care for every flight — that’s why route selection and pay-rate negotiation both matter for an operator’s bottom line.

Transaction Types

The ledger tracks all financial events:

• Charter Payout / Charter Revenue
• Aircraft Purchase / Aircraft Sale
• Loan Disbursement / Loan Payment / Loan Refinance
• Lease Payment / Lease Payoff / Lease Termination
• AI Ferry / Pilot Ferry / Ferry Pay
• Formation Fee / Base Purchase
• Maintenance / JetCard Care
• Forced Dissolution Debt (only for owners whose operator collapsed — see Company & Operations)

Reputation Impact Summary

A quick-reference for all the rep moves on this page. Full rep system at Reputation.