Cheats — Tom Nook

You can take ten years to pay back 2.5 million bells, and he will never send a debt collector.

If you feel Tom Nook’s prices are unfair, players have discovered several ways to "cheat" the grind and pay off those loans in record time: 1. Time Travel Tom Nook Cheats

The most famous "cheat" in Animal Crossing history. By changing your console’s system clock, you can: You can take ten years to pay back 2

Unlike real-world banks, Nook never charges interest on your loans. By changing your console’s system clock, you can:

Is Tom Nook Truly a Villain? The Truth Behind Animal Crossing "Cheats"

Tom Nook doesn't cheat; he provides the infrastructure. The "cheats" available to players—like or Treasure Islands —actually bypass the very slow-life philosophy Nook represents. Whether you pay him back honestly or use "cheats" to get ahead, Nook remains the only person on the island who provides a roof over your head for nothing upfront. To help you get ahead of Nook, I can look up: The current turnip price trends for this week. A list of the most expensive fish and bugs to sell. How to find active Treasure Island communities.