Loan

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Loan
Loan.jpg
Info
Cost Coin3.png
Type(s) Treasure
Kingdom card? Yes
Set ProsperityProsperity icon.png
Illustrator(s) Simon Jannerland
Card text
Coin1.png
When you play this, reveal cards from your deck until you reveal a Treasure. Discard it or trash it. Discard the other cards.

Loan is a Treasure card from Prosperity. When played, it digs through your deck for another Treasure card which you can trash or discard. Typically it is used to trash unwanted CopperCopper.jpg and works best in a treasure-less engine.

Contents

[edit] FAQ

[edit] Official FAQ

  • When you play Loan, you get Coin1.png, reveal cards from the top of your deck until revealing a Treasure card, and then decide whether to trash that card or discard it.
  • Then you discard all of the other revealed cards.
  • If you run out of cards before revealing a Treasure, shuffle your discard pile (but not the revealed cards) to get more; if you still do not find a Treasure, just discard all of the revealed cards.

[edit] Other Rules clarifications

[edit] Strategy Article

Original article by theory

Loan is a much-maligned card. In the mid- to late-game, Loans do more harm than good, bypassing your good Actions only to discard your PlatinumsPlatinum.jpg or GoldsGold.jpg. Effective use of the Loan is very situational.

First, Loan is a good defensive card. Loans can clear out the Coppers that MountebanksMountebank.jpg add to your deck. Attacks that give you CursesCurse.jpg are blunted when you can use the Loan to skip over worthless cards. If you plan to gain money through Actions to defend from Pirate ShipsPirate Ship.jpg, then Loans can also quickly clear your deck of Pirate Ship targets. And if you are being attacked by Ghost ShipGhost Ship.jpg, then you can dump useless cards onto your deck in anticipation of using Loan to discard it.

Second, Loan is useful when there are ways to turn it into something else, e.g., RemodelRemodel.jpg, BishopBishop.jpg, SalvagerSalvager.jpg, or ApprenticeApprentice.jpg. Those cards are generally too inefficient at deck-thinning because trashing Coppers provides little to no benefit for them. Here, Loan can clear out the Coppers quickly before getting out of the way and turning into a useful Coin5.png Action, giving 1 VP token, adding Coin3.png, or drawing 3 cards. MinesMine.jpg can also turn unwanted Loans into Gold, though Loan sort of anti-synergizes with a Mined deck.

Third, as alluded to earlier, Loan is helpful in godawful decks burdened with useless cards, where having to discard a Treasure is well worth being able to skip all the Curses and Victory Cards before it. Of course, this can backfire; in a deck with only one Gold, it can really sting to have to discard it. But in, say, a GoonsGoons.jpg deck, where you are buying up Coppers for VP tokens, Loan can help get rid of the junk. Alternatively, Loan is quite useful in no-treasure strategies like MinionMinion.jpg.

Fourth, if VentureVenture.jpg is the best Coin5.png available, and you anticipate buying several of them, Loans can be indispensable in clearing out your Coppers. The problem is that you might trigger the Loan with the Venture... which then forces you to discard another Venture.

(As was noted in the comments to the original article, this isn’t totally accurate; Loan is good in bad Treasure decks, not necessarily in bad Action decks.)

The real problem with Loan is that it’s only a card to buy if no viable alternatives are available. In every respect it is out-classed by something else: Reaction cards are better at dealing with attacks; ChapelChapel.jpg and RemakeRemake.jpg are better for deck-cleansing; Ventures are a better option for getting through the deck; WatchtowersWatchtower.jpg are better for Goons. And unless Loans are the only source of deck-thinning in the game, even the simple Silver is probably preferable. In big money games, the lost tempo from buying Loan instead of Silver can set one back more than any gain from trashing coppers.

The one aspect that Loan uniquely excels at is the no-Treasure deck. This might be because you are paranoid about Pirate Ships, but more likely it is because you are running Combo: Minion and Loan.

[edit] Synergies/Combos

[edit] Antisynergies

[edit] Alternate versions

[edit] Trivia

Official card art.

[edit] In other languages

  • Czech: Půjčka
  • Dutch: Lening
  • Finnish: Laina
  • French: Prêt
  • German: Lohn (lit. wage)
  • Italian: Prestito
  • Japanese: 借金 (pron. shakkin)
  • Polish: Kredyt (lit. credit)
  • Russian: Ссуда (pron. ssuda)
  • Spanish: Préstamo

[edit] Secret History

The original card said "when you spend this, trash another treasure spent with it." All of the Prosperity treasures originally had "when you spend this" phrasings. They caused some confusion - what if a treasure worth Coin2.png has such a rule, and you spend Coin1.png on something and Coin1.png on something else? I eventually reworded them all as "when you play this" or "while this is in play." Loan didn't work like that and died. Then later I brought it back by having it look for a treasure in your deck.

[edit] Retrospective

Loan is easily the dud for me. I knew this during that extra testing period but decided to keep it. Looking at it in the set, it's okay. It has basically the same issues as LookoutLookout.jpg, only not as bad; less experienced players are terrified of flipping over a PlatinumPlatinum.jpg that they now don't get to draw on this pass, while experienced players know that Loan is fine but not the best trasher ever; sometimes it's exciting because you are not buying any other treasures this game. I buy it more than Lookout, but whatever, in general this flipping over of cards thing has to come paired with something like "and get the good ones" in order to not bum people out too much. I don't think VentureVenture.jpg makes people not buy it because maybe they'll flip over their good actions, although they will sometimes. But Loan, not a star. Anyway I kept it in knowing this.


Cards Coin3.png LoanLoan.jpgTrade RouteTrade Route.jpgWatchtowerWatchtower.jpg Coin4.png BishopBishop.jpgMonumentMonument.jpgQuarryQuarry.jpgTalismanTalisman.jpgWorker's VillageWorker's Village.jpg Coin5.png CityCity.jpgContrabandContraband.jpgCounting HouseCounting House.jpgMintMint.jpgMountebankMountebank.jpgRabbleRabble.jpgRoyal SealRoyal Seal.jpgVaultVault.jpgVentureVenture.jpg Coin6.png GoonsGoons.jpgGrand MarketGrand Market.jpgHoardHoard.jpg Coin7.png BankBank.jpgExpandExpand.jpgForgeForge.jpgKing's CourtKing's Court.jpg Coin8star.png PeddlerPeddler.jpg Coin9.png PlatinumPlatinum.jpg Coin11.png ColonyColony.jpg
Combos and Counters Bishop/FortressCounting House/GolemCounting House/Travelling FairGolden deckGoons/WatchtowerKing's Court/BridgeMint/Fool's GoldVault/Grand MarketWarehouse/Counting HouseWorker's Village/PeddlerBishop vs GardensLibrary vs BishopSwamp Hag vs GoonsVault vs Ambassador
Other concepts Victory tokens
Dominion Cards
Basic cards Coin0.png CopperCopper.jpgCurseCurse.jpg Coin2.png EstateEstate.jpg Coin3.png SilverSilver.jpg Coin5.png DuchyDuchy.jpg Coin6.png GoldGold.jpg Coin8.png ProvinceProvince.jpg
Dominion Coin2.png CellarCellar.jpgChapelChapel.jpgMoatMoat.jpg Coin3.png HarbingerHarbinger.jpg • MerchantMerchant.jpgVassalVassal.jpgVillageVillage.jpgWorkshopWorkshop.jpg Coin4.png BureaucratBureaucrat.jpgGardensGardens.jpgMilitiaMilitia.jpgMoneylenderMoneylender.jpgPoacherPoacher.jpgRemodelRemodel.jpgSmithySmithy.jpgThrone RoomThrone Room.jpg Coin5.png BanditBandit.jpgCouncil RoomCouncil Room.jpgFestivalFestival.jpgLaboratoryLaboratory.jpgLibraryLibrary.jpgMarketMarket.jpgMineMine.jpgSentrySentry.jpg • WitchWitch.jpg Coin6.png ArtisanArtisan.jpg
Removed cards: Coin3.png ChancellorChancellor.jpgWoodcutterWoodcutter.jpg Coin4.png FeastFeast.jpgSpySpy.jpgThiefThief.jpg Coin6.png AdventurerAdventurer.jpg
Intrigue Coin2.png CourtyardCourtyard.jpgLurkerLurker.jpgPawnPawn.jpg Coin3.png MasqueradeMasquerade.jpgShanty TownShanty Town.jpgStewardSteward.jpgSwindlerSwindler.jpgWishing WellWishing Well.jpg Coin4.png BaronBaron.jpgBridgeBridge.jpgConspiratorConspirator.jpgDiplomatDiplomat.jpgIronworksIronworks.jpgMillMill.jpgMining VillageMining Village.jpgSecret PassageSecret Passage.jpg Coin5.png CourtierCourtier.jpgDukeDuke.jpgMinionMinion.jpgPatrolPatrol.jpgReplaceReplace.jpgTorturerTorturer.jpgTrading PostTrading Post.jpgUpgradeUpgrade.jpg Coin6.png HaremHarem.jpgNoblesNobles.jpg
Removed cards: Coin2.png Secret ChamberSecret Chamber.jpg Coin3.png Great HallGreat Hall.jpg Coin4.png CoppersmithCoppersmith.jpgScoutScout.jpg Coin5.png SaboteurSaboteur.jpgTributeTribute.jpg
Seaside Coin2.png EmbargoEmbargo.jpgHavenHaven.jpgLighthouseLighthouse.jpgNative VillageNative Village.jpgPearl DiverPearl Diver.jpg Coin3.png AmbassadorAmbassador.jpgFishing VillageFishing Village.jpgLookoutLookout.jpgSmugglersSmugglers.jpgWarehouseWarehouse.jpg Coin4.png CaravanCaravan.jpgCutpurseCutpurse.jpgIslandIsland.jpgNavigatorNavigator.jpgPirate ShipPirate Ship.jpgSalvagerSalvager.jpgSea HagSea Hag.jpgTreasure MapTreasure Map.jpg Coin5.png BazaarBazaar.jpgExplorerExplorer.jpgGhost ShipGhost Ship.jpgMerchant ShipMerchant Ship.jpgOutpostOutpost.jpgTacticianTactician.jpgTreasuryTreasury.jpgWharfWharf.jpg
Alchemy Potion.png TransmuteTransmute.jpgVineyardVineyard.jpg Coin2.png HerbalistHerbalist.jpg Coin2.pngPotion.png ApothecaryApothecary.jpgScrying PoolScrying Pool.jpgUniversityUniversity.jpg Coin3.pngPotion.png AlchemistAlchemist.jpgFamiliarFamiliar.jpgPhilosopher's StonePhilosopher's Stone.jpg Coin4.png PotionPotion.jpg Coin4.pngPotion.png GolemGolem.jpg Coin5.png ApprenticeApprentice.jpg Coin6.pngPotion.png PossessionPossession.jpg
Prosperity Coin3.png LoanLoan.jpgTrade RouteTrade Route.jpgWatchtowerWatchtower.jpg Coin4.png BishopBishop.jpgMonumentMonument.jpgQuarryQuarry.jpgTalismanTalisman.jpgWorker's VillageWorker's Village.jpg Coin5.png CityCity.jpgContrabandContraband.jpgCounting HouseCounting House.jpgMintMint.jpgMountebankMountebank.jpgRabbleRabble.jpgRoyal SealRoyal Seal.jpgVaultVault.jpgVentureVenture.jpg Coin6.png GoonsGoons.jpgGrand MarketGrand Market.jpgHoardHoard.jpg Coin7.png BankBank.jpgExpandExpand.jpgForgeForge.jpgKing's CourtKing's Court.jpg Coin8star.png PeddlerPeddler.jpg Coin9.png PlatinumPlatinum.jpg Coin11.png ColonyColony.jpg
Cornucopia Coin0star.png Prizes (Bag of GoldBag of Gold.jpgDiademDiadem.jpgFollowersFollowers.jpgPrincessPrincess.jpgTrusty SteedTrusty Steed.jpg) Coin2.png HamletHamlet.jpg Coin3.png Fortune TellerFortune Teller.jpgMenagerieMenagerie.jpg Coin4.png Farming VillageFarming Village.jpgHorse TradersHorse Traders.jpgRemakeRemake.jpgTournamentTournament.jpgYoung WitchYoung Witch.jpg Coin5.png HarvestHarvest.jpgHorn of PlentyHorn of Plenty.jpgHunting PartyHunting Party.jpgJesterJester.jpg Coin6.png FairgroundsFairgrounds.jpg
Hinterlands Coin2.png CrossroadsCrossroads.jpgDuchessDuchess.jpgFool's GoldFool's Gold.jpg Coin3.png DevelopDevelop.jpgOasisOasis.jpgOracleOracle.jpgSchemeScheme.jpgTunnelTunnel.jpg Coin4.png Jack of all TradesJack of all Trades.jpgNoble BrigandNoble Brigand.jpgNomad CampNomad Camp.jpgSilk RoadSilk Road.jpgSpice MerchantSpice Merchant.jpgTraderTrader.jpg Coin5.png CacheCache.jpgCartographerCartographer.jpgEmbassyEmbassy.jpgHagglerHaggler.jpgHighwayHighway.jpgIll-Gotten GainsIll-Gotten Gains.jpgInnInn.jpgMandarinMandarin.jpgMargraveMargrave.jpgStablesStables.jpg Coin6.png Border VillageBorder Village.jpgFarmlandFarmland.jpg
Dark Ages Coin0star.png SpoilsSpoils.jpg Coin0.png Ruins (Abandoned MineAbandoned Mine.jpgRuined LibraryRuined Library.jpgRuined MarketRuined Market.jpgRuined VillageRuined Village.jpgSurvivorsSurvivors.jpg) Coin1.png Poor HousePoor House.jpgShelters (HovelHovel.jpgNecropolisNecropolis.jpgOvergrown EstateOvergrown Estate.jpg) Coin2.png BeggarBeggar.jpgSquireSquire.jpgVagrantVagrant.jpg Coin3.png ForagerForager.jpgHermitHermit.jpg (MadmanMadman.jpg) • Market SquareMarket Square.jpgSageSage.jpgStoreroomStoreroom.jpgUrchinUrchin.jpg (MercenaryMercenary.jpg) Coin4.png ArmoryArmory.jpgDeath CartDeath Cart.jpgFeodumFeodum.jpgFortressFortress.jpgIronmongerIronmonger.jpgMarauderMarauder.jpgProcessionProcession.jpgRatsRats.jpgScavengerScavenger.jpgWandering MinstrelWandering Minstrel.jpg Coin5.png Band of MisfitsBand of Misfits.jpgBandit CampBandit Camp.jpgCatacombsCatacombs.jpgCountCount.jpgCounterfeitCounterfeit.jpgCultistCultist.jpgGraverobberGraverobber.jpgJunk DealerJunk Dealer.jpgKnightsKnights.jpg (Dames AnnaDame Anna.jpgJosephineDame Josephine.jpgMollyDame Molly.jpgNatalieDame Natalie.jpgSylviaDame Sylvia.jpg • Sirs BaileySir Bailey.jpgDestrySir Destry.jpgMartinSir Martin.jpgMichaelSir Michael.jpgVanderSir Vander.jpg) • MysticMystic.jpgPillagePillage.jpgRebuildRebuild.jpgRogueRogue.jpg Coin6.png AltarAltar.jpgHunting GroundsHunting Grounds.jpg
Guilds Coin2.png Candlestick MakerCandlestick Maker.jpg Coin2plus.png StonemasonStonemason.jpg Coin3plus.png DoctorDoctor.jpgMasterpieceMasterpiece.jpg Coin4.png AdvisorAdvisor.jpgPlazaPlaza.jpgTaxmanTaxman.jpg Coin4plus.png HeraldHerald.jpg Coin5.png BakerBaker.jpgButcherButcher.jpgJourneymanJourneyman.jpgMerchant GuildMerchant Guild.jpgSoothsayerSoothsayer.jpg
Adventures Coin2.png Coin of the RealmCoin of the Realm.jpgPagePage.jpg (Treasure HunterTreasure Hunter.jpgWarriorWarrior.jpgHeroHero.jpgChampionChampion.jpg) • PeasantPeasant.jpg (SoldierSoldier.jpgFugitiveFugitive.jpgDiscipleDisciple.jpgTeacherTeacher.jpg) • RatcatcherRatcatcher.jpgRazeRaze.jpg Coin3.png AmuletAmulet.jpgCaravan GuardCaravan Guard.jpgDungeonDungeon.jpgGearGear.jpgGuideGuide.jpg Coin4.png DuplicateDuplicate.jpgMagpieMagpie.jpgMessengerMessenger.jpgMiserMiser.jpgPortPort.jpgRangerRanger.jpgTransmogrifyTransmogrify.jpg Coin5.png ArtificerArtificer.jpgBridge TrollBridge Troll.jpgDistant LandsDistant Lands.jpgGiantGiant.jpgHaunted WoodsHaunted Woods.jpgLost CityLost City.jpgRelicRelic.jpgRoyal CarriageRoyal Carriage.jpgStorytellerStoryteller.jpgSwamp HagSwamp Hag.jpgTreasure TroveTreasure Trove.jpgWine MerchantWine Merchant.jpg Coin6.png HirelingHireling.jpg
Events: Coin0.png AlmsAlms.jpgBorrowBorrow.jpgQuestQuest.jpg Coin1.png SaveSave.jpg Coin2.png Scouting PartyScouting Party.jpgTravelling FairTravelling Fair.jpg Coin3.png BonfireBonfire.jpgExpeditionExpedition.jpgFerryFerry.jpgPlanPlan.jpg Coin4.png MissionMission.jpgPilgrimagePilgrimage.jpg Coin5.png BallBall.jpgRaidRaid.jpgSeawaySeaway.jpgTradeTrade.jpg Coin6.png Lost ArtsLost Arts.jpgTrainingTraining.jpg Coin7.png InheritanceInheritance.jpg Coin8.png PathfindingPathfinding.jpg
Empires Debt4.png EngineerEngineer.jpg Debt8.png City QuarterCity Quarter.jpgOverlordOverlord.jpgRoyal BlacksmithRoyal Blacksmith.jpg Coin2.png EncampmentEncampment.jpg/PlunderPlunder.jpgPatricianPatrician.jpg/EmporiumEmporium.jpgSettlersSettlers.jpg/Bustling VillageBustling Village.jpg Coin3.png CastlesCastles.jpg (HumbleHumble Castle.jpgCrumblingCrumbling Castle.jpgSmallSmall Castle.jpgHauntedHaunted Castle.jpgOpulentOpulent Castle.jpgSprawlingSprawling Castle.jpgGrandGrand Castle.jpgKing'sKing's Castle.jpg) • CatapultCatapult.jpg/RocksRocks.jpgChariot RaceChariot Race.jpgEnchantressEnchantress.jpgFarmers' MarketFarmers' Market.jpgGladiatorGladiator.jpg/FortuneFortune.jpg Coin4.png SacrificeSacrifice.jpgTempleTemple.jpgVillaVilla.jpg Coin5.png ArchiveArchive.jpgCapitalCapital.jpgCharmCharm.jpgCrownCrown.jpgForumForum.jpgGroundskeeperGroundskeeper.jpgLegionaryLegionary.jpgWild HuntWild Hunt.jpg
Events: Debt5.png TriumphTriumph.jpg Debt8.png AnnexAnnex.jpgDonateDonate.jpg Coin0.png AdvanceAdvance.jpg Coin2.png DelveDelve.jpgTaxTax.jpg Coin3.png BanquetBanquet.jpg Coin4.png RitualRitual.jpgSalt the EarthSalt the Earth.jpg Coin4.pngDebt3.png WeddingWedding.jpg Coin5.png WindfallWindfall.jpg Coin6.png ConquestConquest.jpg Coin14.png DominateDominate.jpg
Landmarks: AqueductAqueduct.jpgArenaArena.jpgBandit FortBandit Fort.jpgBasilicaBasilica.jpgBathsBaths.jpgBattlefieldBattlefield.jpgColonnadeColonnade.jpgDefiled ShrineDefiled Shrine.jpgFountainFountain.jpgKeepKeep.jpgLabyrinthLabyrinth.jpgMountain PassMountain Pass.jpgMuseumMuseum.jpgObeliskObelisk.jpgOrchardOrchard.jpgPalacePalace.jpgTombTomb.jpgTowerTower.jpgTriumphal ArchTriumphal Arch.jpgWallWall.jpgWolf DenWolf Den.jpg
Promo Coin3.png Black MarketBlack Market.jpg Coin4.png EnvoyEnvoy.jpgSaunaSauna.jpg/AvantoAvanto.jpgWalled VillageWalled Village.jpg Coin5.png GovernorGovernor.jpgStashStash.jpg Coin8.png PrincePrince.jpg
Events: Coin5.png SummonSummon.jpg
Base Cards Coin0.png CopperCopper-new.jpgCurseCurse-new.jpg Coin2.png EstateEstate-new.jpg Coin3.png SilverSilver-new.jpg Coin4.png PotionPotion-new.jpg Coin5.png DuchyDuchy-new.jpg Coin6.png GoldGold-new.jpg Coin8.png ProvinceProvince-new.jpg Coin9.png PlatinumPlatinum-new.jpg Coin11.png ColonyColony-new.jpg
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