
It's 2016 and you are a money lender. You need to get rich ASAP. Invest in crack heads. Oversee unspeakable crimes. Set the old world on fire and watch the new world rear its ugly head. It's pretty simple, if you can keep your brains in your skull and your money in your pocket, then you win.
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About
Donald Trump just went on Jimmy Fallon. The new Ghostbusters is still in theaters. It's 2016 and you are a two-bit money lender in the morally and financially bankrupt desert city of Tucson, Arizona. You're in debt and your life is on the line. You better make a lot of money! So set your own path and brave the struggling world in this neo-western visual novel.
You can meet over 100 characters which present the player with a nightmarish range of hateful worldviews, bitter rivalries and the morally bankrupt business opportunities you will need to survive Tucson. Build your relationships and tear them down where you see fit. Find out their deepest, darkest secrets. Treat them like sidewalk trash. Make them your charity cases. The choice is yours.

As much as this game is about you, it's also about the end of an era. An invisible and global struggle is seeping through the seams of the not-so-wild West. After a century of quiet, things are getting wilder again. You must make important choices that affect you, your allies, your enemies, but also the entire world. Become a red-faced socialist. A milquetoast liberal. An entitled fascist. Maybe you don't care about politics. Perhaps all you care about is being positioned wherever that bag is.
Will you resist the unease of the information age? Or will you milk it for all it's got?
Stats
Languages: English**languages with full audio support
Engagement
Reviews
Themes across 40 recent reviews and how positive each mention is. A keyword signal, not full sentiment analysis.
Reviews
First off: big language warning, a slur or three, some swearing, Violence, kinda gritty like Tarantino film. No gore, let's just say the Devil on one shoulder is bigger than the Angel on the other one. If you hate politics of any kind, this is NOT for you! First-person visual Novel/rpg/loan shark simulator with pixel graphics. You can choose to be feminine, but the story is geared more toward masc/butch- which basically made me a tough lesbian lol Get ready to be either the slimiest greed-bag, or dead-broke schmuck. Talk to questionable people. Loan them money (or not), set the interest (or don't), seal the deal or tell them to screw off... and that's just your day job! Then you go shopping, talk to questionable people, do questionable things... it goes on like that until you get killed or are able to pay off YOUR loan shark! Pyramid schemes, amirite?? Other things can happen. This game kicked my @$$ on the first play-thru, and I still enjoyed the journey enough to go a few more times. Not for everyone, but I do recommend it highly.
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Trends
Concurrent players on Steam, sampled daily since tracking started.
Hours played at review time, across 40 reviews with recorded playtime.
positive critical· bar length = how often the theme comes up
This is the first time I played a game in the visual novel genre and im not sure if it was a good thing - because my standards for VNs have been elevated so high by this game. I am vaguely aware of how other visual novels feel like, mostly by watching them on youtube and a few games that had some elements of VNs (lengthy scenes with dialogues), of them being chiefly simulators of kinds. But Bad Credit is different- so different, from the perspective of somebody who had a preconceived idea of what VN is like and had that idea thoroughly broken by this game. There’s so many things that got me hooked; the lack of needless, irrelevant moments in tht game- the game feels like a smooth, uninterrupted flow of events. I am 2.8 hours in as of now, I didn’t feel there was any scene that felt wasted or unnatural even though technically it might have no affect on the outcome of the game. The reason, imo, for such a great experience would be the writing. It is just that fantastic. The dialogues/subtitles spin a credible, engrossing world of dumb, spiteful characters; you can have pity on homeless guys who get dogs sicced on them on one hand and on the other hand, you can be an ♥♥♥♥♥♥♥ and threaten to hurt a man’s children. You get yourself immersed into those moments of cruelty or kindness depending upon your choice despite the game requiring you to do nothing more than point and click. The writing would be something akin to “Another ♥♥♥♥♥♥♥♥ night in suck city” by Nick Flynn, if you ever read that book, at least that’s how it appeared to me, a non English speaker. The games I have played so far suck at this sort of thing, writing good, convincing dialogues, in which Bad Credit is spectacular in. Imo, it’s not that particularly hard to write a story with a good plot, if you got just the right amount of imagination. On the other hand, writing believable characters, the kinds you get mad at, feel sorry for immediately, feel a tinge of fear because you actually wonder if they are crazy enough to act out their threats – that requires pure talent and experience. Then you have a game that plays out like something that is more of a book or a script of a movie. That was my experience. The game isn’t without flaws. A good novel concept that I noticed is that the story doesn’t end when you ♥♥♥♥ up. You don’t go back to the beginning and start all over, a weary process if you’re not keen on rereading tons of lines. Instead it just goes on and you live with your bad decisions, like crediting loans to meth-heads and quack doctors until you reach the conclusion of the game; and that’s where it falls apart as there is no conclusion for those decisions. The game restarts at that point. The ending is non existent, atleast for the path I chose, (although I might be wrong about it). The conclusion of the game requires more work, it needs to find a ending for whichever path you may take, at least that’s how I feel. Wow this had been a long review. I look forward to seeing it a sequel of it. Btw, you have a bug in Trisha’s dialogue for the Sterling Silver import, she gets stuck in one of her lines and you are unable to proceed to the next dialogue.
From the wacky and bizarre characters to the nail biting, butt clenching story, to the unique and ingenious game play Bad Credit has mastered it all. This game is a MUST play, it is a guaranteed laugh and an absolute hoot
THIS GAME IS SO GOOD! You should buy it RIGHT NOW if you are looking for a neat story-driven visual novel directed by YOU and YOUR ACTIONS! Definitely worth the price.
Praise be Barnaby; Anarchist mastermind, exploder of governments and Jeff Benzos, thief of hadron colliders, redistributor of highly intelligent chimpanzee named Simone. Jerry will be missed for as long as I live, I will ensure a monument is constructed in his name after the revolution.
This is gonna be referred as a hidden, underrated gem in no time. So don't miss it.
why just because they did not make money the first month does there debt disappear and its like they never took the money they atleast hire the cartel to get your money back.
What I especially appreciate is that most of the game could have been made in the 80s, with the exception of the music and some of the cutscenes. The writing is out of this world. I don't know where the author got his inspiration for material, and I'm not sure if I want to know. Buy this - at this price it's a steal!
Games great. Really it is. I find few games like this, that I enjoy truly.
Momentum
Pace estimated from the game's recent review growth (our daily snapshots) at its own sales-per-review ratio — a momentum signal, not booked sales.
Audience
Estimated from the language of this game's reviews — a proxy for where players are, not official Steam demographics.