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Bad Credit

It's 2016 and you are a money lender. You need to get rich ASAP. Invest in crack heads. Oversee unspeakable crimes. Set the old world on fire and watch the new world rear its ugly head. It's pretty simple, if you can keep your brains in your skull and your money in your pocket, then you win.

Steam Page
Release
February 17, 2022
4 years and 166 days ago
Steam Reviews
Positive42 reviews88.1%

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Game contextLatest: IGF Team
ContextThe evidence factors used to assess whether this game belongs on IndieGame.Fan.Status
Notes
Latest Contributor: IGF TeamEdit notes
Updated: Jul 14, 2026Developer scaleThe operating scale of the game's developer.
Updated: Jul 14, 2026Publisher scaleThe operating scale of the game's publisher.
A separate publisher is listed without a proven bounded regional or service-only role.
Search Google: Is Bad Credit self-published or published by Soldier Girl Interactive?Publisher statusHow the game's publishing relationship is classified.
Search Google: How is Bad Credit and Soldier Girl Interactive funded?FundingThe known source of funding behind the game.
Search Google: Who controls the creative direction and IP for Bad Credit and Riley Sampson and Arthur O'Keefe?Creative controlWho appears to retain creative control of the game.
Updated: Jul 14, 2026Release statusWhether and how the game has been released.
The title released with a separate publisher relationship.

Media

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About the Game

Donald Trump just went on Jimmy Fallon. The new Ghostbusters is still in theaters. It's 2016 and you are a two-bit money lender in the morally and financially bankrupt desert city of Tucson, Arizona. You're in debt and your life is on the line. You better make a lot of money! So set your own path and brave the struggling world in this neo-western visual novel.

You can meet over 100 characters which present the player with a nightmarish range of hateful worldviews, bitter rivalries and the morally bankrupt business opportunities you will need to survive Tucson. Build your relationships and tear them down where you see fit. Find out their deepest, darkest secrets. Treat them like sidewalk trash. Make them your charity cases. The choice is yours.

As much as this game is about you, it's also about the end of an era. An invisible and global struggle is seeping through the seams of the not-so-wild West. After a century of quiet, things are getting wilder again. You must make important choices that affect you, your allies, your enemies, but also the entire world. Become a red-faced socialist. A milquetoast liberal. An entitled fascist. Maybe you don't care about politics. Perhaps all you care about is being positioned wherever that bag is.

Will you resist the unease of the information age? Or will you milk it for all it's got?