Loanable Funds
⚪ Last updated 2021⚠️ Install Order · 2 steps
Install in this order, then this mod last — most mods fail to load without their framework and dependencies in place.
Preview
🔍 Analysis
- 👍 1.4% endorsement rate — high engagement, a strong quality signal
- 🏆 #19 of 402 Gameplay mods in this game by downloads
📋 About This Mod
This mod provides a new way to legally get money: your character may take a loan at any Morrowind pawnshop. Pawnbrokers are meant to offer loans, but pawning an item in game is no different from selling it, so I decided to create more differentiation between services this way.
A loan may be taken for 1 to 14 days (no one will lend your character for more than two weeks 'cause your character is a n'wah). The interest is fixed to 14% (1% a day), the maximum loan sum is calculated from your character's and the pawnbroker's speechcraft and mercantile skills, personality, and also the pawnbroker's disposition to your character. But it can't exceed the pawnbroker's barter money. If the pawnbroker has no barter money, the pawnbroker won't lend your character.
If the debt isn't paid on time, your character will be fined double amount of the debt (increasing the bounty). Pawnbrokers won't lend your character till the fines for this crime have been paid.
You can also check out DarkElfGuy's review of the mod:
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Adds a pawnbroker loan system to the game, letting your character borrow money. A niche gameplay mod with 54 endorsements and 3,746 downloads, last updated in December 2021. For players who want an extra money-management layer.
✨ Key Features
📊 Pros & Cons
✅ Pros
- Small but active community (54 endorsements).
- Adds a fresh money-management angle for role-players.
- Lightweight and focused—does one thing without bloat.
⚠️ Cons
- Last updated in 2021—may be outdated for current game versions.
- No documentation or install instructions provided by the author.
- Limited scope—only adds loans, no other features.
For role-players who want to add financial depth to their character's story. Also for players who enjoy economic challenges and need a way to get quick cash. Skip if you prefer straightforward gameplay without extra money mechanics.
💡 Beginner Tips
- Check if the mod is compatible with your game version before installing.
- If you use a mod manager, install through it to avoid manual file placement issues.
- Test the loan feature in a separate save to see how it affects your economy.
📊 Mod Details
- Game
- Morrowind Mods
- Author
- Ket Golosov
- Version
- 1.1
- Downloads
- 3,746
- Endorsements
- 54
- Category
- Gameplay
- Created
- 8/27/2021
- Updated
- 12/6/2021
🔧 How to Install Morrowind Mods
Download from Nexus.
📖 Full step-by-step install guide for Morrowind →
Visit the official mod page for specific installation instructions for this mod.
🎮 Need cheat codes or console commands? Check ur gaming wiki for Morrowind commands, item IDs, and more.
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