Choose a loan and reduce its interest cost

Choose, repay or compare a replacement

1. Open the company finance window and its Loans tab. The release tutorial shows Offers above Obtained loans. Inspect the actual cards in your save; offers in a video are examples, not guaranteed rates.
2. Compare amount, term, interest and repayment together. Annual Interest Rate is a percentage; the per-year repayment is a separate cash obligation. A shorter term or larger principal can increase required payments even when the rate is lower.
3. Choose a fundable offer with Obtain. Include construction and vehicle purchases, then leave cash for running costs and repayments. Do not borrow the largest amount just because it is offered.
4. Check the old debt before repaying. In Obtained, inspect outstanding debt and remaining term. The linked manual documents a repay button when cash covers the debt. Confirm your current interface and keep operating cash after the repayment; do not assume the video demonstrates this action.
5. Evaluate refinancing before adding debt. Compare a new offer with the expensive existing loan. If the new funds and existing cash cover repayment with a usable reserve, obtain the replacement and repay the intended old loan. Recheck Obtained: taking a second loan without closing the first leaves both obligations active.

How to tell it worked

A repaid loan no longer carries outstanding debt in Obtained. A replacement leaves the intended loan active, with a payment schedule you can fund. Check company debt and recurring costs; the cash arriving from a loan is not income earned by a profitable transport line.

If you cannot repay or find a better offer

• Cash is below the outstanding debt: reduce optional expansion and diagnose loss-making lines. Do not promise a repayment from money you have not earned.
• The cheaper loan requires more annual cash: compare its amount and term, and keep the current loan if the replacement is unaffordable. There is no universal best rate.
• No suitable offer or the button differs: use your current card and build as the reference. Offer-refresh timing, difficulty-specific rates and a guaranteed refinancing saving have not been verified here.