Starting out in Ranch Simulator isn’t always the easiest. It doesn’t have an option to start the game rolling in cash, and until you’ve gotten on your feet, it can be difficult to make money.

While many players have suggested that you can no longer take out bank loans in Ranch Simulator, thankfully it’s still an option for players looking to either bail themselves out of trouble or expand their ranch to improve their income: taking out a loan with the bank.

Where Is the Bank in Ranch Simulator?

The bank is next to the car shop, which is where much of the confusion seems to come from. It isn’t sitting in the main town with a massive bank sign screaming at you to come inside and make questionable financial decisions.

Head to the building where you purchase vehicles and look around the side of the dealership. The bank is attached to the same building, and once you head inside, you’ll find a terminal that lets you manage loans. Players were still asking where it had gone as recently as 2025, but the loan system is still available.

How to Take Out a Loan

Once you’ve found the bank, interact with the terminal inside. From there, you can view the loan options available to you and choose how much you want to borrow.

The money is useful if you’re just short of what you need for an important purchase, but remember that the bank charges interest. Interestingly, Ranch Simulator gives larger loans a lower percentage interest rate, although borrowing more money obviously means having more money to repay overall.

After taking the loan, repayments are handled automatically. You don’t need to keep returning to the bank every day with an envelope full of cash and an apology.

How Do You Repay a Loan in Ranch Simulator?

Ranch Simulator automatically takes repayments from your money over the duration of the loan. There isn’t a grace period before those repayments begin, so taking out a loan when you have virtually no reliable income can quickly become more of a problem than a solution.

If your ranch starts doing particularly well and you want to get rid of the debt early, head back to the bank. Your current loan will appear under your active loans, where you can repay the remaining amount in full rather than waiting for the automatic payments to finish.

Get the Rescue From Bankruptcy Achievement

There is also another simple reason to take out a loan even if you don’t particularly need one. Ranch Simulator has an achievement called Rescue from bankruptcy, which unlocks when you take a loan from the bank.

At the time of writing, only around 9% of Steam players have unlocked it, making a trip to the bank worthwhile if you’re trying to clear the achievement list.

You don’t need to build some enormous financial empire to get it. Take out a loan and the achievement requirement is complete, although you’ll still have the small matter of paying the money back afterward.

Loans Aren’t the Only Way to Get Started

If you’re still early in your Ranch Simulator save, I’d concentrate on building a reliable source of income rather than relying heavily on borrowed money. Even relatively basic activities can start generating enough cash to expand without having repayments constantly eating into what you’ve earned.

Livestock and processed products become particularly useful once you’ve got the basics established. For example, you can turn milk into more valuable products using the systems covered in our Ranch Simulator cheese guide, while hunting and quests can give you more immediate cash when you’re still getting started.

The loan is best treated as another tool rather than a requirement. If it lets you buy something that pushes your ranch forward, it can be useful. If you’re borrowing because you’ve spent everything on things you didn’t really need, the bank probably isn’t going to save you from yourself.