American Truck Simulator > General Discussions > Topic Details. Nite69 Feb 21, 2016 @ 1:14am. Neat Trick with Loans. I had a 400,000 loan going and was working on steadily paying it off. when I looked at the bank I noticed I had 108,000 left to replay, and I had about 50,000 - 60,000 in my account. So here is the trick, Take out a 100,000 loan MirkoC407 Jul 3, 2022 @ 11:41am. Road network in ETS2 is much bigger - and map end to map end longer - than ATS. However, ATS as the newer game has more appealing road network and realstic looking surroundings. ETS2 is catching up slowly with the rework. doing a couple of deliveries for yourself will gain you a few levels and enough money to get you that truck you want. you won't need a loan for that. besides you will be out for deliveries by truck to collect money anyway, so if you have the loan or not you will be making that money regardless. This requires a lot of in-game money, which requires either a lot of time to save or pay a bank loan. You must own your own truck. The cheapest one costs approximately $120,000, but you should get one better than that. You will also need a three-truck garage, which is $180,000. Taking loan is not needed but some quick cash is fine for impatient people like me. Weight the situations where you may need loan and situations where you survive alone. We are all different type of players and our aproach may not suit your way. Take the path that seem smarter for you. #3. 4.) Find the garage in your home city and purchase it. ($180,000) At this point you should now have a truck and a garage with three bays, one of which you occupy with your truck. 5.) Hire 2 more drivers from the agency by clicking the "Hire Drivers" button in the lower right corner of your company management screen. >. Ets VR is still some steps behind main game. There is separate branch for vr support and it is updated less often. It might guve better imersion than trackIr, but require better hardware. I have trackir and I think it is great, and with connection to driving wheel it gives very good results. #4. Our calculator shows you the total cost of a loan, expressed as the annual percentage rate, or APR. Enter the loan amount, term and interest rate in the fields below and click calculate to see If you want a large front window: MAN, Renault Magnum. If you want to drive on slippery roads: Renault, DAF 2021, Mercedes. Offroad (in Promods or with any "no-fences" mod in singleplayer): Mercedes, Scania R. I recommend a Renault because I think it has the best handling in the game, and it’s looking cool too. Nice. Euro Truck Simulator 2. Are bank loans worth it? OctopusRoyalty 10 years ago #11. Yes, grab the loans as soon as you can, but don't have multiple 100K loans at the same time. Get one 100K loan to buy your own truck and then wait until you can get a 400K loan. Then pay back the 100K loan and use your remaining 300K+ to buy three more trucks and qjbF13r.