Summary
The Loans area lets you loan players out to other clubs for a limited time — or sign players on loan yourself.
You create an offer (duration in league matches, salary share, optional buy option). Other managers can accept it if they meet the conditions.
During a loan the player plays for the borrower and returns automatically afterwards — unless the buy option is triggered or the owner recalls the player.
Rules & limits
Key rules at a glance:
| Topic | Rule |
|---|
| Limits | Max 2 active loans in and 2 active loans out per club. |
| Offer validity | Offers are time-limited (1–4 days in the UI). |
| Duration | Loan duration is measured in LEAGUE matches of the borrower club. The remaining length is reduced by the days between offer creation and acceptance. |
| Salary share | Salary is split between clubs. The offer sets the borrower share (0–100%). |
| Buy option | Optional buy option. If present, it must be at least the player's market value at the moment of acceptance. The borrower needs sufficient funds to trigger it. |
| Eligibility | You can't loan players that are listed on the transfer market, already on loan, or in their last contract season. |
Tabs in game
The page has three tabs:
• My offers: Your own loan offers (active/inactive) + create button.
• Search: Public offers with filters (position, level, salary, duration, salary share, buy option).
• Active: Your currently running loans (loans in/out).
Create an offer (My offers)
Creating an offer is a step-by-step dialog with the most important settings.
1) Choose a player
You can only pick players owned by your club and not listed on the transfer market.
Players already on loan or in their last contract season cannot be offered.
2) Set duration
Loan duration is measured in league matches (not calendar days).
Important: Days between offer creation and acceptance reduce the remaining duration. That means an offer can become too old to accept.
3) Salary share & buy option
Salary share: You set what percentage of the salary the borrower pays (0–100%).
Buy option (optional): If set, the borrower can buy the player permanently during the loan.
4) Validity & (optional) club age
You choose how long the offer is valid (1–4 days in the UI). After that it can't be accepted.
Optionally you can require the borrower club to be at least a certain age (e.g. 2 or 4 weeks) to exclude very new clubs.
Accepting an offer (Search)
When you accept an offer, several checks apply. Common reasons for failure:
• Your club already has 2 active loans in.
• The owner club already has 2 active loans out.
• The player is no longer available (expired, accepted by someone else, listed on the transfer market, etc.).
• Salary cap: at acceptance, the player's salary must not exceed 150% of your club's average player salary.
• The buy option is below market value (at acceptance) or you don't have enough funds later to trigger it.
• The offer requires a minimum club age and your club is too new.
Runtime & loan end
The loan runs until the agreed number of league matches is reached (counted for league matches played by the borrower club). Then the player returns to the owner automatically.
Two special cases:
• Recall: the owner can recall the player early.
• Buy option: if present, the borrower can trigger it to convert the loan into a permanent transfer.