The ability to visit any store and utilize items you have collected to create unique items that are only available through this means, is quite cool. That is, until they decide to increase the required money per payment then it becomes a question if you really are willing to go above and beyond to pay off Ludger’s debt, as it is not required of the player by the end of the game. The only upside is that it is fairly easy to earn money at an easy pace by fighting monsters, completing monster contracts, item requests on the job board of any town or city within the game, or defeating Elite monsters whom are essentially mini-bosses. Ludger will be unable to progress the main story until a set amount is paid and you are notified via Nova (your debt collector) that you have access to new areas of the world. You’re required to continuously pay off the debt as the game progresses.

Since the man you owe money to is very powerful, he is able to freeze your ability to travel freely throughout Rieze Maxia and Elymphios. After assigning a personal debt collector to you, he allows you to go on your way and start paying him off by doing various jobs. He believes you owe him a debt so he forces you to sign a contract that results in you owing him twenty-million gald (local currency). Soon after the events at the train station, players are saved by a shady character who is essentially a loan shark except, without the loan part. Linking in combat helps perform special moves together which are more powerful than normal special moves alone. As you progress you will unlock the ability to do personal missions for each one of your party members, which helps build more affinity with them, as well as being linked with them in combat. This will give you certain benefits such as additional skits (unique conversations that occur during the course of the game) or new items in your inventory to use or customize each character’s looks with. Choices are an important part not just for story but they offer a way to interact with your party members and build affinity with them.

Tales of xillia 2 gameplay