Summary
WhileStarfieldplayers may want to experience the pure escapism of flying off into space without worrying about relatable issues like covering rent and paying back loans, a new mod is making finances more realistic. Generally speaking, it’s incredibly easy to gather up a vast horde of Credits inStarfield; when cash isn’t looted off a corpse, it’s usually dumped on players as a reward for completing a quest. It’s certainly nice tonever worry about burning through moneybutat the same time, it’s frustrating that aside from spending it on gear, Credits don’t really serve a purpose.
Over on Nexus Mods, creator0xDezzywants to amend this issue with their mod “StarFinance” which introduces a wealth of systems toStarfielddesigned to make Credits feel more useful. With the add-on installed,players will be able to set up a personal bank account, take out loans that will need to be paid back, and even maintain their credit scoreto ensure they earn a decent interest rate. The system is ambitious in terms of what it wants to introduce toStarfieldand the best part is that it’s still growing.
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What Else Is Included In StarFinance?
The Wolf Of New Atlantis
“StarFinance” is still in the early stages of development but 0xDezzy has promised some impressive additions to the mod.Perhaps most exciting are the “consequences” for players who fail to pay back any loansas GalBank dispatches bounty hunters to bring down the target and collect what’s owed. Additionally, users who want to make savvy investments will be able to rent out properties to NPCs and even set up entire lease agreements that can be customized.
The “StarFinance” mod will eventually allow players to take on mortgages on propertiesand slowly pay them off over a while.
No doubt the biggest aspect of the mod will be the stock exchange which will allow players toinvest their hard-earned Creditsinto a constantly fluctuating market.Doing so will grant users access to a portfolio that grants them hands-on feedback on their various investmentsallowing them to make smart decisions on when to invest further or withdraw whatever cash they may have already placed in shares or stocks. Based on the descriptions, it sounds like a whole game withinStarfield, making the sci-fi RPG even more gigantic.
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This Is A Space Investment Property
Although not implemented in the mod yet, “StarFinance” hopes toadd a rent system along with its mortgage and property ownership system. In the future, it may be possible to purchase properties as investments and rent them out to other astronauts in the Settled System for a passive means of income. The mod creator is working on ways to create and manage lease agreements with “customizable terms and conditions.”
The teased upcoming feature leads to the immediate realization that there are likely no rental laws or regulations inStarfield’s universe — and unscrupulous property managers may be able to get away with providing sub-par living conditions for an exorbitant rate. The concept that maybe Bethesda could add space stations in the future adds a whole new realm of possibilities for this functionality.
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That said, this could be crucial in building someone’s Credit empire, as these funds could then be invested in the game’s theoretical stock market to increase wealth. In a game as expansive asStarfield, it’s somewhat surprising that there is currently no means for passive Credit generation, even if most will have an absurd amount of credits by the end of their playthroughs. Manually loading and selling mined resources or items from Outposts is no one’s version of fun.
StarFinance Could Actually Teach People About Saving Money
Life Lessons Are Packed In This Mod
Though the rise of apps like Robinhood seems to indicate that more people are interested in financial literacy,there’s still a significant lack of understanding of more complicated financial concepts. According to theWorld Economic Forum, around 50% of Americans lack financial literacy based on data from 2024. StarFinance’s banks — while a simplified version of the American banking system, doaccurately reflect what it means to take out a loan or pay for something with accruing interest. Though interest rates aren’t currently in the mod, it’s something that’s planned for the future.
In addition, themod will also come to feature a Credit Score function, highlighting one of the more confusing aspects of the American financial system. Paying off your loan will increase your credit score, much like in real life. Although finance isn’t necessarily always the most compelling thing, especially in a universe where you canenter Unity and interact with multiple universes, the “StarFinance” mod provides an avenue for real learning while also providing a simple solution for all those accrued Credits by the end of a playthrough.
This score is pretty accurate, too, ranging anywhere from 350 (bad) to 850 (exceptional).
Given the level of customization in “StarFinance,“it wouldn’t be surprising to see Bethesda either officially include a stock market mechanic in a future update or DLC. If the mod gains traction,it’s also possible that itcould appear in the Creation Kitas an officially supported add-on.It may be common for modders to create flashy additionstoStarfield,but sometimes, the most impressive creations are backed by the invisible hand.
