Bad Credit? No Problem!

Bad Credit? No Problem! puts you behind the front desk at Title 4 Cash, a small title-loan shop, on your first day in October 2016. You have 14 days of probation to prove you belong. Customers need cash fast and offer their car titles as collateral; you check their paperwork, approve or decline their requests, and earn pay for each correct decision.

Review loan requests

Each customer brings a car title, a loan request and whatever documents the current rules require, such as a license or insurance card. Look for problems like an expired license or a name that does not quite match. The handbook adds new rules every few mornings, so a request that was acceptable yesterday may need to be declined today. Three warnings get you fired.

Make it a career

After probation, the job continues through nine weeks leading up to your year-end review. In Career, recurring customers include a line cook saving for a taco truck, a widower driving Route 66 with his late wife’s belongings in the glovebox, and twin plumbers who are both named Dale. Sometimes the rules say no while your heart says yes.

Customers may slide cash across the desk. If you take a bribe, you cannot refuse that customer; if you leave it and decline the request fairly, you earn a small honesty bonus. You can also save up for camera software to inspect the car in the parking lot. If it does not match the title, flag it and decline the request by the book to double your pay.

Life at the shop

When nobody is watching, you can slack off on the office PC, where you’ll find coworker e-mail drama, spam, small games such as Snake and files you probably should not open. The clock keeps ticking while you use it. You can also decorate your office.

Endings and extras

Your year ends with a review, and there are three endings to find. The game also includes a separate Halloween night shift, a bonus suit, hat, shades and office certificate, and 34 Steam achievements.