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The merchant has two virtues: always finding a solution… and never forgetting a debt.
With this mod, shops in Acts 1 and 2 of Slay the Spire 2 can offer a way forward when you are short on coins. Pick an item, review the terms, and decide: Accept or Decline.
Buy now. Pay later.
Every bill finds its way back
Celebrate your great victory. Count the spoils. Look towards the next stretch of the Spire. Aren’t you forgetting someone? You can pay the full debt… or try to settle things the hard way. If you choose to fight and win, the debt is cancelled and credit stays closed for the rest of that run; regular purchases still work.
Battle difficulty scales with your debt in both single-player and co-op runs. The merchant does not collect in coins alone.
Co-op
Each player manages their own debt. If one debtor chooses to fight or cannot pay, the collector faces the whole party in a single battle.
Features
Planned features
A future in-game configuration is planned for gold and loan limits, surcharges, difficulty multipliers, and other balance parameters. It is not available yet: the fine print is still being negotiated.
Read the fine print. Or don't. The merchant already did it for you.
Installation
Also on Steam Workshop
If you prefer automatic updates: On the House...? - Merchant Loans
게임플레이
On the House - Merchant Loans
작성자: mionel10lessiv0.1.6
Short on gold at the shop? The merchant offers a loan. Pay it back later, or fight the collector when he comes for it. Single-player and co-op, English and Spanish.
생성일
2026년 9월 23일
업데이트
2026년 9월 23일
설명
이 모드 설명은 제작자가 Nexus Mods에 영어로 작성한 내용입니다.
On the House...?
The merchant has two virtues: always finding a solution… and never forgetting a debt.
With this mod, shops in Acts 1 and 2 of Slay the Spire 2 can offer a way forward when you are short on coins. Pick an item, review the terms, and decide: Accept or Decline.
Buy now. Pay later.
- Finance only the gold you are missing for cards, relics, and potions.
- Loans have a gold limit: the merchant’s generosity only goes so far.
- The offer shows how much you receive and the total you will owe, including the surcharge.
- Your debt stays visible beside your gold, so no one can claim they forgot about it.
- Found the money? Repay the debt early at a shop.
Every bill finds its way back
Celebrate your great victory. Count the spoils. Look towards the next stretch of the Spire. Aren’t you forgetting someone? You can pay the full debt… or try to settle things the hard way. If you choose to fight and win, the debt is cancelled and credit stays closed for the rest of that run; regular purchases still work.
Battle difficulty scales with your debt in both single-player and co-op runs. The merchant does not collect in coins alone.
Co-op
Each player manages their own debt. If one debtor chooses to fight or cannot pay, the collector faces the whole party in a single battle.
Features
- Works in both single-player and co-op runs.
- Available in English and Spanish (Spain and Latin America). Other game languages show the English text.
- All players must have the same mod version installed.
Planned features
A future in-game configuration is planned for gold and loan limits, surcharges, difficulty multipliers, and other balance parameters. It is not available yet: the fine print is still being negotiated.
Read the fine print. Or don't. The merchant already did it for you.
Installation
- Extract the zip into your Slay the Spire 2/mods folder (create it if it doesn't exist). You should end up with mods/mionellessi.prestamos/mionellessi.prestamos.json.
- Launch the game: it loads the mod on its own. Modded runs use a separate save profile from your normal ones.
- Don't install it from Nexus and the Steam Workshop at the same time: the game would load it twice.
- Co-op: every player needs the same version of the mod.
Also on Steam Workshop
If you prefer automatic updates: On the House...? - Merchant Loans