INF Banking

Every banking script gives players a credit score.

INF Banking gives them a credit bureau.

Four card issuers. Five weighted scoring factors. Statement-cycle utilization. Secured lending. Physical cards. Business accounts. Real consequences.

QBCore • QBox • ESX • CREDIT BUREAU • CREDIT CARDS • LOANS • BUSINESS BANKING

CREDIT THAT REQUIRES STRATEGY

Utilization is measured when the statement closes—not live.

Pay the balance down before the cycle closes and it reports low. Let it close near the limit and the score can drop even if the balance is paid the next morning.

Same money.

Same month.

Different outcome.

Credit becomes something players learn and manage instead of another progress bar.

FOUR ISSUERS. FOUR TIERS.

Blaine County Savings

No score requirement. A secured deposit becomes the credit limit and gives every player a path back into the system.

Fleeca

Unlocks at 580 and becomes the player’s first traditional credit card.

Maze Bank

Unlocks at 640 with stronger limits, business banking, and vehicle-financing access.

Pacific Standard

Requires 760 and clean history. No preset spending limit. The full balance is due every cycle.

Each issuer behaves differently, creating a real credit portfolio instead of one universal card.

A REAL CREDIT SCORE

Scores range from 300 to 850 using five weighted factors:

• Payment History — 35%
• Credit Utilization — 30%
• Age of History — 15%
• Credit Mix — 10%
• Inquiries — 10%

Every score change explains what happened, how much the score moved, and why.

Players can also see projected utilization before their statement closes.

COMPLETE BANKING

INF Banking includes:

• Checking and savings
• Tiered savings APY
• Daily interest
• Personal, secured, and business loans
• Credit-based limits and rates
• Automatic repayments
• Shared, job, gang, and business accounts
• Grade-based permissions
• Member withdrawal limits
• Complete transaction history

PHYSICAL CREDIT CARDS

Credit cards exist as real inventory items with unique serial numbers.

Players can freeze cards, report them stolen, request replacements, and take cash advances.

Cards use server-side PIN storage and possession-based access.

If somebody has the card and knows the PIN, they can use it.

Replacing the card permanently invalidates the missing one.

BANKS & ATMS

Create bank locations directly through the admin panel with live placement.

Configure attendants, map blips, and locations without rebuilding config files.

Every base-game ATM works automatically.

No manual ATM setup required.

BUILT TO INTEGRATE

Point-of-Sale

External shops can display physical cards and request PIN entry directly at checkout.

Vehicle Financing

Dealerships can create secured loans tied to vehicle collateral, with default events available for repossession systems.

Phone Applications

External banking apps can access balances, limits, transactions, and credit history.

Payment Interception

Optional server-wide purchasing can be routed through eligible credit cards.

COMPATIBILITY

Frameworks

• QBCore
• QBox
• ESX

Target

• qb-target
• ox_target
• qtarget
• Proximity fallback

Inventory

• qb-inventory
• ox_inventory
• qs-inventory
• Legacy ESX inventory

Required

• ox_lib
• oxmysql
• MariaDB

INCLUDED

• Four custom credit card items
• Inventory definitions
• Complete SQL schema
• Upgrade statements
• Export documentation
• Open documented config.lua

Your players already know how to spend money.

Now they have to learn how credit actually works.

Tags: FiveM, QBCore, QBox, ESX, Escrow