Bad Credit? No Problem!

Bad Credit? No Problem!

Desk Job Simulator

1.2K ratings
401 reviews
Free
In-App Purchases

Details

Released
August 8, 2024
Updated
November 2, 2026

Features

Bad Credit? No Problem! video #1 for iPhone
Bad Credit? No Problem! screenshot #2 for iPhone
Bad Credit? No Problem! screenshot #3 for iPhone
Bad Credit? No Problem! screenshot #4 for iPhone
Bad Credit? No Problem! screenshot #5 for iPhone
Bad Credit? No Problem! screenshot #6 for iPhone
Bad Credit? No Problem! screenshot #7 for iPhone
Bad Credit? No Problem! screenshot #8 for iPhone
Bad Credit? No Problem! screenshot #9 for iPhone
Bad Credit? No Problem! screenshot #10 for iPhone
Bad Credit? No Problem! screenshot #11 for iPhone
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About

As a new agent at a title-loan shop, your job is to meticulously review customer paperwork and identify fraudulent documents. Survive your probation, navigate office politics, and uncover multiple endings in this dryly humorous pixel-art simulation.

✓Approve or decline customer paperwork
✓Survive a 14-day probation period
✓Multiple story endings
✓Office PC mini-games and snooping
✓Decorate your office and agent
✓Halloween-themed night shift
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What users say about Bad Credit? No Problem!

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+1

What's New in Bad Credit? No Problem!

2.0.3

November 2, 2026

A small update with fixes from your reports. Thank you! - Fixed a freeze on the day screen that left some players stuck. - Translated text fits better on papers, cards and buttons. - Japanese, Korean and Chinese text looks cleaner. - Polished some of the office e-mails. - Lots of smaller fixes. Update now and get back to the desk!

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5

Subscriptions & In-App Purchases

$3.99

Buy Hints x75

Get 75 hints to aid applicant evaluations.

Charts

Top Free

📉 128-3

Strategy games

This game dropped -3 positions in Strategy games chart.

Last updated on November 6, 2026.

Events

Read more about Holidays at the Office

Holidays at the Office

Career's new story, from Halloween to Christmas

Oct 29, 2026 — Nov 29, 2026

Read more about From Zero to Loan Hero!

From Zero to Loan Hero!

Desk Job Simulator meets loan shark bootcamp!

Aug 8, 2024 — Aug 22, 2024

Read more about Fright Night Files

Fright Night Files

Survive the endless Halloween chaos!

Oct 3, 2024 — Nov 3, 2024

User reviews

This game is SO fun

I love this game. I love that I can customize my character, I love the cute computer games and apps and the progression of it, I love following the rules to determine who’ll get a loan and denying people. One qualm I have is that when you’re on endless mode, it becomes a race against the clock to meet the applicant quota and there’s absolutely no time to check the computer for even a second or you’ll miss quota. Please expand the story and add more fun events and modes!!!!
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Response from developer

Story has been expanded! Check out the new update!

Язык

Сделайте, пожалуйста, на русском (((

Super Fun game

Should add save files tho and more things to do if that makes sense

Great & Fun Game!

I love this game! The tasks get harder and harder with each level and presents a challenge every time. As you progress you discover more of the story which gets really interesting. There’s additional bonuses you can get to improve your gameplay. The only downside is once you complete your probation period, the storyline ends and the game becomes a sandbox. After a while, it becomes repetitive with no real goal. Enjoyable for a while before there felt like no real motive to continue playing. Highly recommend for anyone to play! Could spend hours playing this game.
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Repetitive and Short

The game is just a much worse version of papers please. The main story is way too short and doesn’t have any branching paths or multiple endings or interesting recurring characters like papers please. It’s so short that some of the upgrades are unnecessary as you won’t have enough money to buy them on one play through. Also the game warrants zero replay, it’s super repetitive no variation in a game where you need to replay to get all upgrades. Just play Papers Please, don’t download this game.
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Response from developer

Just updated it… give it another go?

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User experience

🐞

Reported Bugs

2 issues

Inconsistent income requirements

Bug

Issues with correctly identifying valid applications

Bug
✨

Requested Features

4 requests

More game modes and content updates

Feature

Ability to skip or continue from previous days

Feature

Improved tutorial or onboarding process

Feature

Customization options for the office and character

Feature

FAQ

What is the main gameplay loop in Bad Credit? No Problem!

The core gameplay involves reviewing customer documents for authenticity, deciding whether to approve or decline their loan applications. Between customers, you can use a retro office PC for various activities like reading emails or playing mini-games.

How long does it take to finish a playthrough of Bad Credit? No Problem!

The game features a 'Career' mode that runs from October until the Year-End Review on December 23rd. There are also special events like a Halloween night shift, and the game offers three distinct endings to discover.

Does Bad Credit? No Problem! have ads?

No, the application does not contain advertisements. User reviews specifically mention the absence of ads as a positive aspect of the gameplay experience.

What platforms is Bad Credit? No Problem! available on?

The game is currently supported on iPhone, iPad, and iPod devices, indicating compatibility with Apple's mobile ecosystem.

How often is Bad Credit? No Problem! updated?

The latest version is 2.0.3, and the game was last updated on November 2nd, 2026. This suggests a relatively recent update, though future update frequency is not specified.

What is the age rating for Bad Credit? No Problem!

The game is rated 12+, making it suitable for players aged 12 and above. This rating is based on its content and themes.

Are there any in-app purchases in Bad Credit? No Problem!

Yes, the game does feature in-app purchases. However, user reviews indicate that the game does not rely on pay-to-win mechanics, suggesting purchases are for optional content or enhancements.

What do players like most about Bad Credit? No Problem!

Players praise the enjoyable and challenging gameplay, the appealing pixel art style, and the fact that it reminds them of similar popular simulation titles. The absence of ads and pay-to-win mechanics is also frequently highlighted as a pro.