I took out a 4350 loan 3 days ago at 3%. You get charged interest at the time you take it out, and then each week it charges again. Why did I get charged again already after only my 3rd day?

The "each week" charge happens midnight Monday, at the same time the bank interest runs. The Monday day is true regardless of what day you took out the loan.

Ah, another thing that needs fixed so it's more realistic, and not to mention more practical for the game.

Two practical options:

Fix this so that it's based on the day the loan was taken out (which is how it should be, and makes more sense, and doesn't penalize people).

or

Remove the restriction on how many of the 3 loans you can take out in one day. If the interest is calced on monday, then I want to be able to take all my loans out the day after, so I get a fair interest rate, so everyone does. Doesn't make any sense, except to not have to do any extra coding, to have it as is.

Does anyone actually maintain this game? Or is it just OMAC that runs it, and basically just keeps it from falling apart, cause there are HOSTS of basic problems with this game that could be fixed overnight with just a little effort, but nothing ever seems to happen.

I'm assuming that this post is pretty much pointless as well......

I don't see this as a game flaw at all.
There is cause for the loan interest being at the same time as bank interest (so you don't hang on to your loans just to put them in the bank and at least get back 1%).
There is also cause for spreading loans out over 3 days - to limit how much money you can draw on without really planning in advance.

Still doesn't make sense. Fixing that would only require a slight interest hike to prevent bank abuse. Besides, it's not like they will be MAKING money. They still are losing on the loan the longer they have it out. They could also just make it so that the bank loan money cannot earn bank interest/be deposited into the bank. These are NOT hard problems to fix.

Second, why would you not want player to be able to plan ahead? That makes no sense either. If I want to buy a new truck in RL, I can go to a bank, they tell me how much they will loan me, and I buy the truck based on that.

Limit how much money one can draw on? Ok. So, to fix THAT problem, just make it ONE loan, of a larger amount. Like for me, for example, I can take out 4500$ loans. Instead, allow me, say, ONE loan of 12,000$, or something like that, at whatever interest rate is deemed appropriate. Not allowing another loan till that one is paid off is perfectly ok, and practical.

I've played plenty of other games with loan systems like this, and I've NEVER seen anything so silly.

Like I said, these are EASILY fixed to make them more practical, useful aspects to the game.

Sounds like you want to make a suggestion. I'm closing this bug report, and we'll see you on over in the Suggestion Box.