FlipAPenny

Bank Loans in FlipAPenny

Asset-rich but cash-poor? Starting in Phase 2, PennyBank lets you borrow against your net worth.

Take out a loan to fund your next big trade without liquidating your inventory.

Loans come with interest that accrues every game tick. Higher phases unlock better rates — reflecting your growing creditworthiness. But be careful: outstanding loans reduce your net worth, and the interest adds up fast.

Credit Limit

Borrow up to 40% of your net worth

Interest Rates

15% in Phase 2, down to 5% in Phase 6

Repayment

Repay any amount at any time — no penalties

Download on the App Store

FlipAPenny is available now — free to play.

FlipAPenny is a work of fiction. All characters, businesses, NPCs, and storylines are imaginary and created for entertainment. Any resemblance to actual persons living or dead is coincidental. Nothing in this game constitutes legal, financial, or tax advice.