Skip to the content

☺Your character

All of Your character
Custom classes
Advantages and disadvantages
History questions
Levelling and skills
Death and lineage
Races and weapon bonuses

☰Guides

Getting started

Which rules apply
Ways to play
Your first hours
Controls

Custom classes
Advantages and disadvantages
History questions
Levelling and skills
Death and lineage
Races and weapon bonuses

Combat basics
Archery
Melee weapons and shields
Repairs and armour

Artifacts
Spells and casting

Stealth and crime

Thieving
Joining the Thieves Guild

Trade and crafting

Crafting and professions
Loot and drops
Shops and haggling
Banking, loans and letters of credit
Item rarity

World map
Guilds overview
Travel and horses
Dungeons and the automap

Food and cooking
Resting and time
Weight, bandages and training
Foraging tools

Playing online
PvP and the Wild Zone

About this codex
Adding to the codex
Classic rules, for when the mods are off
What's new

➶Journeys

Wood Elf Archer-Thief
Argonian Wayfarer
Breton Battlemage
Dark Elf Sorcerer
High Elf Healer
Khajiit Brawler
Nord Warrior
Redguard Artisan

▤Databases

Items and gear

Item affixes
Armour damage taken
Books
Items
Legendary items
Magic items and artifacts
Materials
Set armour
Starting gear
Swing speed
Trade goods

Creatures, combat and loot

Where enemies appear
Enemies
Enemy kits
Drop material odds
Loot tables
Weapon techniques

Magic

Spell effects
Potion recipes
Spells
Starting spells

Characters and factions

Classes
Factions
Guilds
History questions
Races
Skills

The world

Diseases
Holidays
Quests
Regions
Quest residence names
Towns and cities

Crafting and professions

Professions
Crafting recipes
Crafting materials
Specialisations

Rules

Built-in mods

⚙Tools

All tools
Class calculator
Hit chance calculator
Damage after armour
Bow draw timing
Spell cost calculator
Shop price calculator
Repair cost calculator
Bank loan and letter of credit
Encumbrance calculator
Profession rank and XP
Classic levelling calculator
Compare

Search the codex

Browse the codex

Main page
Random page

Tools

Class calculator
Hit chance calculator
Damage after armour
Bow draw timing
Spell cost calculator
Shop price calculator
Repair cost calculator
Bank loan and letter of credit
Encumbrance calculator
Profession rank and XP
Classic levelling calculator
Compare

All databases
Tools and calculators

⚙Tools and calculators

Class calculator
Hit chance calculator
Damage after armour
Bow draw timing
Spell cost calculator
Shop price calculator
Repair cost calculator
Bank loan and letter of credit
Encumbrance calculator
Profession rank and XP
Classic levelling calculator
Compare

➶Journeys

Wood Elf Archer-Thief
Argonian Wayfarer
Breton Battlemage
Dark Elf Sorcerer
High Elf Healer
Khajiit Brawler
Nord Warrior
Redguard Artisan

✧Getting started

Which rules apply
Ways to play
Your first hours
Controls
All Getting started pages

☺Your character

Custom classes
Advantages and disadvantages
History questions
Levelling and skills
Death and lineage
Races and weapon bonuses
All Your character pages

⚔Fighting

Combat basics
Archery
Melee weapons and shields
Repairs and armour
All Fighting pages

✺Magic

Artifacts
Spells and casting
All Magic pages

☾Stealth and crime

Thieving
Joining the Thieves Guild
All Stealth and crime pages

⚖Trade and crafting

Crafting and professions
Loot and drops
Shops and haggling
Banking, loans and letters of credit
Item rarity
All Trade and crafting pages

◎The world

World map
Guilds overview
Travel and horses
Dungeons and the automap
All The world pages

♨Survival

Food and cooking
Resting and time
Weight, bandages and training
Foraging tools
All Survival pages

⚇Online play

Playing online
PvP and the Wild Zone
All Online play pages

❡Reference

About this codex
Adding to the codex
Classic rules, for when the mods are off
What's new
All Reference pages

▤Databases

Items and gear

Item affixes
Armour damage taken
Books
Items
Legendary items
Magic items and artifacts
Materials
Set armour
Starting gear
Swing speed
Trade goods

Creatures, combat and loot

Where enemies appear
Enemies
Enemy kits
Drop material odds
Loot tables
Weapon techniques

Magic

Spell effects
Potion recipes
Spells
Starting spells

Characters and factions

Classes
Factions
Guilds
History questions
Races
Skills

The world

Diseases
Holidays
Quests
Regions
Quest residence names
Towns and cities

Crafting and professions

Professions
Crafting recipes
Crafting materials
Specialisations

Rules

Built-in mods

Main page›Tools and calculators›Bank loan and letter of credit

Economy

Bank loan and letter of credit

How much you can borrow, what you will owe, and the fee on a letter of credit.

Your level

Where

AmountTo borrow, or the value of the letter of credit

Result

Note

The default cap is 10,000 gold per level, and online the Empire lends a tenth of that.

The rules behind this are explained on Banking, loans and letters of credit.

Checked against the game’s source

src/systems/banking.js
src/systems/rrRealism.js

Iliac Codex is a fan-made guide for Daggerfall Online. Mechanics are checked against the game’s open source at build 752bbc013fa0; a newer build may differ. Not affiliated with Bethesda or ZeniMax. Daggerfall, its artwork and its text belong to Bethesda Softworks and ZeniMax Media; the pictures, map and descriptions here are shown as part of this fan guide. Built with AI: about this site. Report a mistake · What’s new.