IMF Loan

IMF Loan keeps everything Monkey Bank does, raises the bank cap from $7,000 to $10,000 ($12,500 with Bigger Banks), and adds the IMF Loan ability. The ability hands you $9,000 right away, or $10,000 with Backroom Deals, and gives you the same amount of debt, which is paid back out of your future income.

The ability has strict rules:

• 85-second cooldown, and it starts on full cooldown when bought.
• At most 2 uses per round, and it cannot be used between rounds.
• Disabled if the round has lasted longer than 3 minutes.
• It cannot be used again while that loan still has debt outstanding.

When to buy it

The loan is a way to pull money forward, so it is only good when that money earns more than it costs. Typical uses are buying a Banana Research Facility or another farm early, or covering an emergency defense purchase before a dangerous round.

With Bank Deposits you can also deposit cash into the bank to earn interest, which opens advanced IMF farming routes. IMF Loan is mainly a stepping stone to Monkey-Nomics, which removes the debt entirely. Keep the 2-4-0 crosspath for the bank income.

Is it worth it?

Situational. The tower costs a lot for an ability that borrows rather than earns, so it is mostly bought on the way to Monkey-Nomics or by players using Monkey Knowledge bank tricks. It is unavailable in CHIMPS, where farms are disabled.

Frequently asked questions

How do you pay back the IMF Loan?

You do not pay manually. The debt is taken out of your income over time until it is cleared, and you cannot take another loan from that farm until then.

How much does IMF Loan cost?

$7,200 on Medium. Every difficulty's price is shown on this page.

Can you use IMF Loan between rounds?

No. The ability only works during a round, at most twice per round, and not after a round has run for 3 minutes.