Loan Shark

Level 2

Creature· humanMediumRemaster

Speed

25 ft.

Perception

Fort

Ref

Will

+10

human humanoid

Languages common

Skills society +15, athletics +9, deception +8, diplomacy +8, intimidation +8

Recall Knowledge DC 16 (society)

Attacks

Melee Dragon-Headed Cane +10 (two-hand-d8), Damage 1d4+5 bludgeoning

Melee Fist +9 (agile, nonlethal, unarmed), Damage 1d4+5 bludgeoning

Abilities

Business Savvyinteraction

When making monetary deals, the loan shark gets a +8 circumstance bonus to Deception checks, Diplomacy checks, and their Perception DC.

Loan Specialistinteraction

For encounters involving monetary deals, the loan shark is a 7th-level challenge.

Never off the Hook

60 feet.

Creatures in the aura who owe the loan shark money take a –3 circumstance penalty to their Will DC against the loan shark's attempts to or them and can't reduce their Frightened value below 1 while in the aura.

Effect: Owe Money

Interest is Due!◆

Frequency once per round

Effect The loan shark commands an ally within 30 feet to attack a creature who owes the loan shark money. The ally can use a reaction to Strike the debtor, dealing an additional 1d6 mental damage.

Effect: Interest is Due!

Loan sharks lend money to those in need but charge high interest. If there's ever an issue with repayment, they'll send their gang to ensure clients pay in full.

In the underbelly of society, the lawless reign supreme.