GT Bank?

  • Thread starter Peter
  • 62 comments
  • 3,979 views

Do you think that GT Bank is a good idea?

  • Yes

    Votes: 19 15.0%
  • No

    Votes: 108 85.0%

  • Total voters
    127
No, you earn money in career mode so why can't you just wait a little longer to save up?

That should of course be an option. I probably would save up to my cars, but a system like this would just be another button next to "Buy". So it's not really a big deal.
 
no, it's a racing sim not a life sim. no banks, no loans, no insurance. i just want driving. i drive/play gt to get away from all that garbage, why would i want it in the game?
Because we are serious gamers and we want to live every moment of a racer life. From the starting loan to finish loan.
 
I'd rather save up money over time, it makes buying the car you've been looking forward to drive even more rewarding. I don't even like to loan money from people, let alone banks, in real life. Currently contemplating whether I should bother my mum for $15 for mobile phone credit. :lol:
 
I'd rather save up money over time, it makes buying the car you've been looking forward to drive even more rewarding. I don't even like to loan money from people, let alone banks, in real life. Currently contemplating whether I should bother my mum for $15 for mobile phone credit. :lol:

+1
Why move away from the others in GT series.
 
eventually the bank would have a GT Global recession, and the currency becomes worthless....... :lol:
Yes, you could extend the idea a bit, couldn't you? GT Bank lends out way too much money to drivers with very poor race-to-win ratios, who end up defaulting on their loans. GT Bank then goes cap in hand to Polyphony Digital, looking for a bail out. Meanwhile, people stop buying cars altogether, and some of the car manufacturers start to go bust. Next thing you know, you're downloading an update that removes GM and Chevrolet from the Dealership section, although a few of their models do reappear in the FIAT Dealership.

I tend to agree with the majority of posters here, though - GT is supposed to be a real driving simulator, not a real life simulator - thank goodness :ill:
 
I wanted to say yes, but I cannot. Half the reward of Gran Turismo games is achieving great things (cars) through much sacrifice and pain. People might be tempted to get the fastest car in the game too early and, I feel that'd be lame. Good idea, though. It may work with more thought and whatnot, but not just yet. I like what this COULD become.

This.

Half the risk was racing for ages just for one car, then to blow all money on it and it turns out to be naff. But it's so rewarding when you save for a car, it may not even be that useful as racer, but when you get a car that's really satisfying you love it.
We've all had it, it's a central part of the game and it's a formula that has always worked, no need to change it. It's part of the reason it's good you can't test drive cars. Test driving cars kinda ruined PGR for me.

It would make it more complicated than it needs to be.

I worry about paying people back in real life, don't want to worry in game.

This sums up my feelings too. I posted a fantasy story about my concept of Career Mode, and that to have a car for the first race in the series, I had to go to the bank to afford the car I wanted, a 240SX, and the league entry fees. I like the idea, in GT Mode anyway, of having to earn every credit, other than a money boost like was offered in GT4 from a GT3 save.

I didn't spend much of my money from GT4, still started with a crappy car and everything.
 
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Yes, you could extend the idea a bit, couldn't you? GT Bank lends out way too much money to drivers with very poor race-to-win ratios, who end up defaulting on their loans. GT Bank then goes cap in hand to Polyphony Digital, looking for a bail out. Meanwhile, people stop buying cars altogether, and some of the car manufacturers start to go bust. Next thing you know, you're downloading an update that removes GM and Chevrolet from the Dealership section, although a few of their models do reappear in the FIAT Dealership.

I tend to agree with the majority of posters here, though - GT is supposed to be a real driving simulator, not a real life simulator - thank goodness :ill:

Even though, that idea would be interesting
 
Bank loans should only be for repairing your car when you've got no money left...

NOT buying a new car or pieces.

C.
 
The vote speaks for itself. Loans can stay out of GT5 if GTP gets the last saying. I voted Yes so i'm one of the 10%...
 
Pointless idea. Win races, get money, win more races, buy faster car. Simple but effective formula which has worked since GT1.

Agreed, there will no doubt be onw race series that you can hammer to get all the CR you need, so a bank is pointless! 👍
 
I voted no because of the 20% interest rate. I'll just end up saving, then when I finally get the car I'll know it was because I did it on my own accord.
 
Well I voted no because the idea of a bank is just silly really, things like this and insurance don't belong in Gran Turismo. What is wrong with the current system?
 
Bank loans should only be for repairing your car when you've got no money left...

NOT buying a new car or pieces.

C.

very good sugestion because I think some people would want to take advantage of the situation and take the easy way out instead of doing races over and over with a slow boring car (esspecially one with no handling) just to save up enough to buy a better new car. Taking a loan to buy a car would spoil the essence of GT you should race to earn money , now taking a loan to repair a car ( a bail out ) when you are broken thats a good idea .
 
I'd rather have "The Real Driving Simulator", not the "Real Financial Simulator". You want pointless banks and insurance and the other boring things in life, thats what "the sims" is for.
 
Because we are serious gamers and we want to live every moment of a racer life. From the starting loan to finish loan.
You mean from the starting loan to the time during the race when a giant spike comes out of the TV and stabs you in the face? :dopey:

I doubt 99% of GT players would survive to finishing the loan, thus making the creditors in the GT bank highly reluctant to loan out 500 000 to pay for a Mercedes SLR to some noobish driver who's driving a second hand Nissan GTR who also happens to be broke.. XD
 
Need i remind you that the money has to be payed back. With interest. GT Bank is not supposed to be an easy way out, just to help you out at a certain time like buying a car. And please remember that there are limits to how much you can take.
 
Need i remind you that the money has to be payed back. With interest. GT Bank is not supposed to be an easy way out, just to help you out at a certain time like buying a car. And please remember that there are limits to how much you can take.

Is just collecting race credits that hard??
 
Mannn! if youre too inexperienced to win races and earn any money you don't deserve to be driving nice expensive faster cars. I think the same should apply with Licenses if you can't pass the driving test you shouldn't be allowed to race in the expert series. We don't need anymore punters driving fast cars that they can't control so no BANK loans. Earn your cars by driving well.
 
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Great idea IMO always good to have a bit more pressure when your racing especially true when you have a bank manager chasing you!

But there would have to be limit on how much you could borrow depending on what stage of the game you were in it would be travesty to see LMP's in the Sunday cup...

Also it better not be stupid like other games (f1 manager) that as soon you into the red it's instant gameover 👎
 
I voted no, so i don't see why you guys are there criticizing me. This is just an idea that i thought of and wanted to share it with you all and start a discussion.
 
screw the bank
when i play games i dont wanna think about finances and interest
unless its sim city 4

either way GT usualy starts with 15-20k credits, so u really have to do the dirt for at least 2 dozen races before u can even think of upgrading
 
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