| Ravingdork |
Probably do in some form or another, but it's not something that really pertains to adventuring and so doesn't need game mechanics.
Seems like something to talk to your GM about. Might make for an interesting character background or adventure hook.
| Castilliano |
They almost have to being banks and such, but with wealth tied so strongly to combat power loans could pose an issue. For PCs, there's almost a guarantee return on investment, but for "adventurers" in general, I doubt it so one could say Abadar avoids loaning for such purposes.
As for credit backed by actual wealth for easier portability (i.e. having an account & them issuing a bond/cd/banknote/etc. you can redeem at another Abadar temple), then I do think I've seen that in Paizo materials. That's what banks do, right? And since it only provides convenience rather than tipping any mechanical balance, I'd reckon most GMs would be fine with that. Away from civilization I wouldn't expect such flimsy wealth to carry much weight though; gold talks (as do ostentatious items).
| Tridus |
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Lost Omens Travel Guide has a page about the Church of Abadar's role in markets, including regulating coinage, notorizing contracts, regulating interest rates, and a line mentioning how merchants don't need to carry piles of gold around since they can use the banks services.
So, almost certainly. They aren't the only ones that could, of course, but they are a global banking system along with a church so they definitely do.
The exact mechanics of how that works are up to the GM to determine based on what your campaign needs, but its fair to say the PCs can deposit money in one city and gain access to it in another. For loans themselves... well if they have collateral or are well known in the area then maybe, but adventurers don't tend to to have established assets to act as collateral in an area so the PCs may need to turn to more unscrupulous types for that.
As the narrative warrants, basically. :)
Madhippy3
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As a GM I wouldn't want loans because I wouldn't know how to handle it. It would be a sudden surge of money which might get them an item beyond their level which could then break the balance. I suppose not every group has a problem with that, but what about repayment? Adventures are usually pretty short experiences anyways so will we ever expect a loan to be meaningfully paid off? Is it one big purse and one interest payment before the campaign ends? If you don't pay your loan do you start sending collections to the PCs? If they cheat the bank would they kill the collectors too? Does the Bank of Abadar back its loans with absurdly powerful angels? Overall its more than I want to deal with.
A piece of paper saying the PC is good for X amount of money though? I have no problem with that. Coins weigh so little, and platinum makes even big sums manageable that this seems more narrative than anything else. You want to have this be a think in our game it is easy enough I don't even think about it. On the FVTT I make a new treasure in your sheet and call it "Bank Bill for X amount" and then call it done. Again, coin weight is so small this really is just a narrative thing for a character.
I believe there is even a "recent" adventure with something like the former if you want to stress canonicity. IIRC Night of the Grey Death has an encounter with a banker who promises you a reward but can only pay it out in what is effectively a check.
| Tridus |
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I think there's maybe a plot in giving your party an absurd loan, letting them blow it, and then oops! That was a devil. You better pay that back real quick!
The Church of Asmodeus is probably more willing to give loans to Adventurers than the Church of Abadar is, considering souls don't come due until the adventurer dies anyway...
| Salamileg |
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The Absalom book details how the Vault of Abadar handles loans. Loans issued to adventurers are typically made to a maximum amount of 10 percent of the wealth appropriate for that adventurer’s level, charged at 10-percent interest per week until repayment is made in full. If the loan is more than a 1000 silver, or the loan is to a non-Absalom resident, they may use a geas ritual.