I avoided taking a loan for the longest time because real-world experience has taught me it’s usually not worth it. I never even clicked the loan button for the longest time. When I did and saw the 2% interest rate vs. the jump gate fee, I realized it was a lot cheaper to take a loan and buy a jump drive.
When I finally clicked the loan button and saw that it was only 2% interest I had almost 2000c and a good jump drive was around 5000c. I only needed a 3000c loan to buy a good jump drive, so I took a 2000c loan and a 1000c loan and bought the jump drive. I was able to pay back the 1000c loan before it even acquired interest, and the 2000c loan only acquired 8c credit before I payed it back. This is is a no-brainer to take loan and buy a jump drive as soon as possible. I don’t know if it’s intended to be this easy, If not, either loans need higher interest or jump gate fees should be cheaper.