# Bad Credit? No Problem! — Desk Job Simulator

> Simulation game where players act as a title loan agent facing ethical dilemmas. (iPhone/iPad app by FOORBYTES, LLC.)

- Source: https://appshunter.io/ios/app/bad-credit-no-problem/id1518821090 (this page in markdown: same URL + `.md`)
- Developer: [FOORBYTES, LLC](https://appshunter.io/developer/315391501)
- Category: Games, Simulation, Strategy
- Price: Free with in-app purchases
- Rating: 4.50/5 from 1,116 App Store ratings · 347 written reviews indexed
- Age rating: 12+
- Requires: iOS 12.0 · 259 MB
- Languages: American English
- Released: 2024-08-08
- Data updated: 2026-09-03
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/bad-credit-no-problem/id1518821090/reviews.md

## What is Bad Credit? No Problem!?

Welcome to Title 4 Cash. Your journey begins with a decision. Will you aid those in dire need, prove you can handle tough calls, or uncover the story behind each desperate plea?

You are now a part-time title loan agent at Title 4 Cash. With only 14 days to secure a full-time position, your task is to review applications, make crucial decisions, and assist clients under the watchful eye of your demanding boss. Every choice you make could mean the difference between keeping a family in their home or pushing them further into hardship.

Survive your probation, and you’ll unlock Endless Shift, a grueling survival mode where the number of applicants increases daily. How long can you endure in a world where ethics and survival collide?

In a job where every decision matters, will you balance the demands of your boss with the needs of those who come to you for help? Or will the pressures of the title loan industry prove too much? Your actions will define your legacy at Title 4 Cash.

Enjoy an ad-free experience as you navigate this challenging and immersive world.

Halloween Event:
Fright Night Files: A mysterious stranger leaves a cursed playing card on your desk. Now, you’re stuck in an eternal Halloween until every applicant is processed—or until you get fired!

Cloud Saving:
The game supports manual cloud saving. Just head to the options menu to upload or download your latest saves across your iOS devices.

## Key features

- Title loan agent simulation
- Decision-making gameplay
- Ethical dilemmas
- Survival mode
- Halloween event
- Cloud saving

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Buy Hints x10 | $0.99 | one-time |
| Buy Hints x50 | $3.99 | one-time |
| Buy Hints x30 | $2.49 | one-time |
| Cash Doubler | $1.99 | one-time |


## Chart rankings

- #144 in Top Free · Simulation (US App Store)
- #68 in Top Free · Strategy (US App Store)

## What do users think of Bad Credit? No Problem!?

Overall sentiment: positive

**Pros**

- 🚀 Enjoyable gameplay
- 👍 Simple yet challenging
- 🎨 Appealing pixel art style
- 💰 No ads or pay-to-win mechanics
- 🕹️ Reminds players of Papers, Please

**Cons**

- 🐛 Occasional bugs and glitches
- ⏱️ Strict time limits and limited retries
- 🔁 Repetitive and can get monotonous
- 🤔 Some unclear or confusing mechanics

**Commonly reported bugs**

- Inconsistent income requirements
- Issues with correctly identifying valid applications

**Most requested features**

- More game modes and content updates
- Ability to skip or continue from previous days
- Improved tutorial or onboarding process
- Customization options for the office and character

## Recent user reviews (10 of 347)

All indexed reviews: https://appshunter.io/ios/app/bad-credit-no-problem/id1518821090/reviews.md

### 5/5 — Good game

*2026-08-30, version 1.1.0*

It a good game

### 5/5 — Bad Game? Big Problem!

*2026-08-28, version 1.1.0*

🦧🫔🇱🇰

### 2/5 — 语言

*2026-08-28, version 1.1.0*

啥时候能有中文就好了

### 5/5 — Good game

*2026-08-17, version 1.1.0*

This was great but the 14 days left me wanting more. Any plans for an extended version? This honestly just felt like a tutorial. There’s room to expand on the dubious nature of the boss and even in the title screen there is graves in the background and what not so even after the “probation” period it feels like something is missinggggg please give us more 🥹🥹

### 3/5 — Cute-but….

*2026-08-15, version 1.1.0*

I don’t like having to start all the way over when I lose. It can be frustrating and makes me not want to play again. The game is super cute and fun, but there should be a way to continue from at least mid-way once you’ve made it so far.

### 5/5 — Fun game

*2026-08-13, version 1.1.0*

It funny simple and addictive haha

### 5/5 — PHENOMENAL

*2026-08-13, version 1.1.0*

Simple and enjoyable this is downright a great game

### 3/5 — short and sweet

*2026-08-12, version 1.1.0*

fun game, very easy. lacks a longer story

### 3/5 — Stupid way to lose

*2026-08-12, version 1.1.0*

It said person must be 18 or older to get a loan. The guy was born 1998 October 26 the day he came in was October 6, 2016. I picked under age and got it wrong. The rest of the game was fun.

### 5/5 — Fun little game

*2026-08-12, version 1.1.0*

Spent the weekend winning this fun little game. Recommended!

## Frequently asked questions about Bad Credit? No Problem!

### What is this app about?

This app is a simulation game where you play as a part-time title loan agent. You have 14 days to prove yourself to your boss by reviewing applications, making crucial decisions, and assisting clients. Your choices can significantly impact the lives of those seeking loans.

### What are the key features of this game?

Key features include a challenging probation period with a demanding boss, critical decision-making that affects clients' homes, an unlockable 'Endless Shift' survival mode, and a special Halloween event. The game also supports manual cloud saving across iOS devices.

### Is this app free to play?

The app is free to download and play, offering an ad-free experience. However, it does include in-app purchases, allowing players to acquire additional content or features.

### What kind of decisions will I have to make?

You will face decisions that pit your boss's demands against the needs of desperate clients. These choices determine whether families keep their homes or face further hardship, forcing you to navigate complex ethical dilemmas within the title loan industry.

### Can I play this on multiple devices?

Yes, the game supports manual cloud saving. You can upload or download your latest game saves from the options menu to continue your progress across different iOS devices.

## Version history (last 5 releases)

### 1.1.0 — 2024-09-30

Bad Credit Patch Notes v1.1

New Event:
- Fright Night Files: A mysterious stranger leaves a cursed playing card on your desk. Now, you’re stuck in an eternal Halloween until every applicant is processed—or until you get fired!

New Item:
- PayHack: Forget about doing the math. PayHack instantly converts weekly salaries into monthly totals, making your job a little easier.

Create Agent:
- New:  Bald Option
- New:  Added Halloween themed color options to all clothing

Fixes:
- Cleaned up art assets.
- Corrected monthly/weekly salary calculations.
- Fixed the ending repetition bug.
- Adjusted the price and UI of PrintPro.

UI Updates:
- Added bank balance to the new game page.
- Clarified the use of bank balance in the shop.
- Enhanced Bank App explanations regarding your money.
- Expanded space on the inaccurate paperwork sheet to display applicant errors fully.
- Fixed paperwork placement on Day 1 of survival mode when opening the folder.

### 1.0.1 — 2024-08-08

- Prepping code for future events and updates.
- Added more sound effects.
- Fixed various bugs and typos.

### 1.0.5 — 2024-08-08

- Prepping game for upcoming in-game event.
- Added manual iCloud upload and downloading
- Added additional graphics assets.
- Fixed various bugs and typos.

### 1.0.7 — 2024-08-08

- Final preparations for launch!
- Added manual iCloud upload and downloading
- Fixed various bugs and typos.

### 1.0.8 — 2024-08-08

- Final launch preparations completed!
- Resolved issues preventing some achievements from being completed.
- Fixed a regional issue that caused the game to crash.
- Implemented manual iCloud upload and download functionality.
- Fixed various bugs and corrected typos.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*