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Friendly Lending Company

Sorry pal, but I don't do more than one loan at a time. You want more, you gotta start paying. This is a business, not a charity.Lorenzo

The Friendly Lending Company is a business located in Hub Downtown in Fallout.


Owned by Decker, the company is managed by Lorenzo and guarded by Guido and Leone.[Pub 1][Pub 2]

The company gives out loans on a graduated scale of 200 caps, at an interest rate of 10% of the original loan, with a maximum of 1000. Potential customers must build a credit base at each 200 cap unit to be able to receive a loan on the next additional 200 cap unit. Lorenzo allows up to 10 days before the loans are due.


  • Beth tells the Vault Dweller to "give Lorenzo at the Friendly Lending company a wide berth."[1]
  • Lorenzo and his guards can be killed without angering the Hub Police, as long as the fighting is kept off the streets.
  • Unused Content Two more guards, Avery and Richie were unused in the game.[2]


  1. HBETH.MSG: "{399}{}{Oh yes. You ought to stay as far away from the Maltese Falcon as you possibly can. Decker and his greasy lapdog Kane are bad news. They'll eat you alive if you're not careful. I'd also give Lorenzo at the Friendly Lending company a wide berth.}"
  1. Fallout Official Survival Guide p.77: "Lorenzo: (Minor NPC) Manager of the Friendly Lending Company, or FLC, which is owned by Decker."
  2. Fallout Official Survival Guide p.177: "If you need money, Lorenzo at the Friendly Lending Company, will loan you from 200 to 1,000 Hub Bucks at an exorbitant daily interest. He will make up to three loans at a time to you. Be warned, however. This is a loan sharking operation, and if you fail to pay, you will be attacked. Lorenzo is also a source of information and may give you an in with Decker."