Characters may borrow money from other characters, or from local moneylenders or shylocks. Characters do not charge interest on loans to other characters. At any time after three months from the date of the loan, however, the lender may demand payment from the borrower. If the borrower is unable to pay, he must go adventuring until he is able to pay. When a character borrows money from a shylock, he must pay back the money plus 10% interest at the end of six months time. If unable to pay, the character must go adventuring until he can pay his debts. When borrowing from a shylock, the maximum amount that any character can borrow is 100 times his current social level. If a character borrows up to his capacity, and is promoted a level, he may, if he desires, borrow more up to his new limit.