How to Take Loans in Cities: Skylines 2

Building cities in Cities: Skylines 2 is easier said than done, requiring considerable funds for players to build a bustling metropolis worthy of praise. While there are many ways of acquiring funds in Cities: Skylines 2, some players might need a quick fix, in which case they can take a loan.

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By Chris Drumm

Loans are important in Cities: Skylines 2, allowing players to develop cities quickly. However, players can’t get a loan from the get-go. Keeping this in mind, this guide will illustrate how players can take loans in Cities: Skylines 2, along with other useful information.

Taking Loans in Cities: Skylines 2

Players can take loans by following these three simple steps:

Click City Economy in the bottom right corner of the screen.
The general menu will pop up, where players can control their city economy and budget. Look for the Loans tab and select it.
After selecting the Loans tab, players can adjust the amount of loan they require and click Accept to finalize the selection.

While adjusting the slider, players need to consider the interest rate. While taking a loan, players must pay back the initial amount and the accepted interest rate. Taking out a loan will take a toll on monthly costs, meaning players must generate more revenue to keep their ledger in the black. If expenses exceed income, it goes without saying the city is failing economically.

Players can only take loans in Cities: Skylines 2 after reaching the Little Hamlet Milestone.

How to Repay Loans in Cities: Skylines 2

Like in the real world, borrowing money has the potential to be disastrous in Cities: Skylines 2. However, all is not lost, as players can repay loans by considering these tips:

Players should reduce overall costs considerably to make a profit, which can be used to repay a loan. A great way to reduce costs involves taking down buildings that do not generate any profits.
Another great way to repay loans is by cutting costs associated with the Police Department, Healthcare, etc. Additionally, players can also increase taxes to improve their financial situation.
One of the best ways to make money to repay loans is to increase exports and decrease imports. For instance, players can export electricity to improve their finances.

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