Bad Credit

76%
Game Brain Score Based on 30 reviews
  • story
  • graphics
  • gameplay
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In Bad Credit, players navigate a visual novel set in 2016 Tucson, Arizona, trying to pay off a loanshark while interacting with morally bankrupt characters and various political viewpoints. Over 12 months, players must make wise investments in shady business opportunities to stay financially afloat. This role-play choose-your-own-adventure explores the turbulent mid-2010s societal landscape, allowing players to adopt political stances and engage with a diverse cast of eccentric characters.

  • Mac OS
  • PC
  • Windows
Genres & TagsPlay Modes

Reviews

76%
Audience ScoreBased on 30 reviews
gameplay2 positive mentions
graphics3 negative mentions
  • The writing is exceptional, creating a believable and immersive world filled with complex characters and engaging dialogue.
  • The game offers a unique blend of humor and gritty themes, making for a memorable and entertaining experience.
  • Multiple playthroughs are encouraged due to the game's branching paths and the consequences of player choices, enhancing replayability.
  • The game lacks a proper conclusion, which can leave players feeling unsatisfied with their choices and the overall experience.
  • Some players have reported technical issues, such as freezing during gameplay, which can disrupt the experience.
  • The reliance on RNG and the absence of quicksave options can make the gameplay feel frustrating and raise the stakes too high for some players.
  • story9 mentions

    The story is praised for its engaging plot and diverse character options, particularly favoring a masculine perspective while still allowing for feminine choices. Players appreciate the multiple story branches and the ability to continue the narrative even after mistakes, highlighting the unique and imaginative storytelling. Overall, it is recommended as a compelling, story-driven visual novel that encourages exploration through player decisions.

    • “The stories, the characters, the wacky plot points, all of it is incredible.”
    • “A good novel concept that I noticed is that the story doesn’t end when you mess up.”
    • “Though multiple playthroughs are possible, I get the sense there are multiple story branches to explore.”
    • “You should buy it right now if you are looking for a neat story-driven visual novel directed by you and your actions!”
  • graphics5 mentions

    The graphics of the game are characterized by a nostalgic pixel art style, reminiscent of early 8-bit titles, which complements its comedic and narrative elements. Players appreciate the old-school aesthetic, noting that it enhances the overall experience of the first-person visual novel and RPG gameplay.

    • “The score and the art style really build upon the atmosphere presented in a relatively sized platter.”
    • “Pretty well written, I love the old school graphics, nice concept, and so far, I'm enjoying my time with it.”
    • “First-person visual novel/RPG/loan shark simulator with pixel graphics.”
    • “This is a mildly amusing comedy game with graphics reminiscent of early Leisure Suit Larry (8-bit).”
    • “The score and the art style really do build upon the climate served on a relatively sized platter.”
  • gameplay3 mentions

    The gameplay features unpredictable plot twists and a reliance on RNG, which heightens the stakes of player choices due to the lack of quicksave options. Players appreciate the humor and innovative mechanics, contributing to an engaging experience.

    • “The plots you follow have many unexpected twists, and the main gameplay loop relies on RNG, which significantly raises the stakes for your choices.”
    • “Good game, featuring humorous elements and interesting mechanics.”
    • “The plots you follow have a lot of left turns, and the main gameplay loop seems to rely on RNG, which doesn't allow for quick saving. This significantly raises the stakes for your choices.”
  • humor3 mentions

    The game is praised for its clever humor, particularly appealing to those in finance, and effectively combines amusing elements with engaging investment scenarios. Players appreciate the humorous nods to real-life history, which enhance the overall experience.

    • “Anyone in finance with a sense of humor will find this game hilarious - yet the investment cases are interesting enough to stay engaging.”
    • “I had flashbacks to real life history and every bit of it made me laugh.”
    • “Good game, had funny humor and interesting mechanics.”
  • stability1 mentions

    Users report significant stability issues, with frequent game freezes impacting the overall experience.

    • “The game frequently freezes, making it unplayable.”
    • “I experience constant crashes that ruin the gaming experience.”
    • “The stability issues are so severe that I can't progress in the game.”
  • music1 mentions

    The music in the game stands out as a modern element, contrasting with the overall retro aesthetic reminiscent of the 80s, enhancing the game's atmosphere and experience.

    • “What I especially appreciate is that most of the game could have been made in the 80s, with the exception of the music and some of the cutscenes.”
  • atmosphere1 mentions

    The game excels in establishing a compelling neo-western atmosphere, effectively immersing players in its unique setting.

    • “Great job at creating that neo-western atmosphere.”
Positive mentions (%)Positive
Neutral mentions (%)Neutral
Negative mentions (%)Negative

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