1. How to Unlock Loans in Cookie Clicker
Loans are part of the Stock Market mini-game, which is unlocked by:
- Owning at least 1 Bank.
- Spending a Sugar Lump to upgrade Banks to level 1.
- Clicking the “Stock Market” button that appears in the Bank building.
Once unlocked, you can buy and sell stocks and take out loans.
2. How to Take Out a Loan
- Open the Stock Market by clicking on the Banks building.
- Scroll to the Loans section.
- Choose from one of the three loan options:
- Loan #1: +20% CPS for 10 minutes, then -20% CPS for 20 minutes.
- Loan #2: +40% CPS for 5 minutes, then -40% CPS for 10 minutes.
- Loan #3: +60% CPS for 2 minutes, then -60% CPS for 4 minutes.
- Click “Take Loan” to activate it.
🚨 Warning: After the loan period ends, your CPS will drop by the same percentage for twice as long!
3. Best Times to Use Loans
✔ During a Frenzy or Click Frenzy: Loans stack with multipliers, making them very useful when timed correctly.
✔ Before buying an expensive upgrade or building: Use loans to generate more cookies quickly.
✔ During Golden Cookie combos: Combine Frenzy + Click Frenzy + Loan for huge profits.
4. Should You Take a Loan?
✅ Yes, if you time it right with Golden Cookies, Click Frenzies, or big purchases.
🚫 No, if you don’t have a plan to offset the CPS penalty afterward.