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|Ominous Loan Note|
|Immediately receive a large sum of gold! All gold gained, with interest, will go toward paying off this debt.|
On pickup, the item gives the player 250 gold. Starting on the next floor, any gold the player gains while they are in debt goes straight towards that loan of 250. The interest rate is 10% per level (So, when the player starts a level, if they have a debt of 100 gold left, that increases debt increases to 110 gold).
A rather situational relic, the Ominous Loan Note can be useful if the player really needs to buy something at the shop of the current floor. 250 Gold is more than enough to purchase any desired item (Assuming shop prices are not affected by items such as Armor of Greed or Golden Saber of Envy).
However, there are better alternatives such as Glove of Midas that will increase the overall amount of gold found and with the added benefit of it being able to be discarded in the later levels for more appropriate relics.
- Glove of Midas , Tears of Midas and Journal of Midas: They all will increase the overall gold gained, making it easier to pay off any accrued/incurred debt.
- Curse Eater's Mask , Curse Eater's Vest and Curse Eater's Watch: When taken, The Ominous Loan Note is on the safer side of cursed relics as it does not penalize any stat (e.g., health, movement speed, damage, etc.) and, thus, is a prime candidate for incrementing the "Curse Eater" relics' bonuses.