I’m trying to get a loan in Cahaya, and NOT the one from the loan sharks who have an interest rate higher than 5%. I received a message about it that tells me to go to the bank but I can’t find it in Cahaya. My doubt is that it might not even exist there. Can someone help me? Thank you 
Hello there!
Have you tried doing it from your zoi’s phone via message?
Also you can select a house and click on the “Receive a move-in assistance loan” that appears at the bottom of the move in menu.
IT.
Hai provato a farlo dal telefono di Zoi tramite messaggio?Inoltre, puoi selezionare una casa e cliccare su “Ricevi un prestito di assistenza per il trasloco” che appare in fondo al menu trasloco.
[Mi dispiace, il mio italiano non è molto buono]
Hi! Thank you so much for your response and also for using Italian (the sentence was perfect 
)
Unfortunately the game doesn’t give me the option to reply to the message: I lost the screenshot, but anyway it said something like “We are increasing a policy for low-cost loans with 1% interest, request it from the bank” . And this leaves me puzzled because I don’t understand how to get it if the Cahaya bank doesn’t exist. I know I can get money if I make a transfer, but I was wondering if I could do it through the bank (which isn’t in Cahaya) without having to move. Could you tell me if it exists in Bliss Bay or Dowon instead? Thank you
Does anyone know if the bank was introduced in Cahaya with the addition of the crime system?
Google says
Narae Bank, located in the Dowon district Alternative Options: While not in Cahaya, the Southwest Bank is located in Bliss Bay.
Strangely enough, no, they did NOT add a bank with the addition of the crime system. They added the suspicious job agency, though, so that makes no sense. I wonder if there’s a different property to rob there, such as the resort? I’ll check it out with my criminal zoi there next time I play her.
However, you can take a loan in Cahaya using the Loan app on the phone. There are three levels of loan amounts you can select. I recently took a 15,000 mew. The interest payments were 750 per day.