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How to Pay Off Mortgage and Bank Loans

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Starfield - How to Pay Off Mortgage and Bank Loans
Paying off mortgage and bank loans in Starfield is likely done by visiting bank branches, paying through kiosks, or sending Credits. Learn about banks, how loans work, and how you can pay an interest-only mortgage payment in this guide.

List of Contents

How to Pay Off Mortgage and Bank Loans

Send Credits Virtually

Starfield - How to Pay Bank Loan
The process of loan repayment is not confirmed yet. However, it is likely that a long-distance payment systemーpossibly by sending Credits from your ship, outpost, or homeーwill be in place to avoid making multiple pit stops to GalBank while in the middle of a mission or exploring.

This could ba similar set-up to real life, where we can pay our bills and bank loans online.

Bank Kiosks Possible

Starfield - Bank Kiosks Possible

It is likely for GalBank to have kiosks, if not branches, at human settlements. It may be possible to simply deposit your bank loan payments there.

What Happens When You Don't Pay Mortgage?

Foreclosure Likely

GalBank is likely to lock you out of your home if you do not pay your mortgage. When this happens, you may need to pay on the spot or leave the house until you have enough Credits.

It’s important to have Credits ready on or before your payment deadline (just like how things are in real life).

How to Farm Credits

Bounty Possible

Starfield - Bounty from Banks

Failure to pay off your mortgage consistently may lead to GalBank hiring mercenaries and bounty hunters to chase you around. Bounties, after all, can be placed on your head if you offend a faction or commit a crime.

Bounty System Explained

Where to Get Mortgage and Bank Loans

Get the Dream Home Trait

Starfield - Dream Home Starter Home

You can get your first bank loan by choosing the Dream Home trait during character creation. This trait lets you own a house in a peaceful planet through a credit mortgage that you need to pay weekly.

Best Traits

Visit GalBank Branches

Starfield - GalBank
It is highly likely that you can get bank loans from GalBank branches spread across the Settled Systems. These branches are likely to appear in major settlements.

Mortgage and Banks Explained

Banking Through GalBank

Starfield - GalBank and the United Colonies

Banking in Starfield may be limited to GalBank. GalBank has been the only bank shown in gameplay footage and trailers so far.

Likely Affiliated with the United Colonies

GalBank is likely affiliated or part of the United Colonies since what seems to be the bank's headquarters is found in New Atlantis, near a UC tower.

Available Bank Services

Bank loans, specifically credit mortgages, are already confirmed in Starfield. It is highly likely that deposits, withdrawals, and other loan types will be available as well.

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