Severniae,
Welcome to the site! <img src="http://www.piratesahoy.com/forum/style_emoticons/<#EMO_DIR#>/par-ty.gif" style="vertical-align:middle" emoid="

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That sounds about right, if you don't pay back your loan then your reputation starts to plummet. <img src="http://www.piratesahoy.com/forum/style_emoticons/<#EMO_DIR#>/piratesing.gif" style="vertical-align:middle" emoid="

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Are you playing the game with one of the Builds? After repaying the loan, if you can, in the stock game you can donate to the church to get your rep back up. Also, when you can get escort or delivery missions again, if you complete them your rep also goes back up. <img src="http://www.piratesahoy.com/forum/style_emoticons/<#EMO_DIR#>/me.gif" style="vertical-align:middle" emoid="

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In the Builds, going out of the cities and rescuing ladies being harrassed by thugs is a good way to get your rep back up. I had heard that donating to the church in the Builds is a less effective way of getting your rep back up, but that may have been fixed.
Let us know what version of the game you are playing and if this helps you out or not. <img src="http://www.piratesahoy.com/forum/style_emoticons/<#EMO_DIR#>/doff.gif" style="vertical-align:middle" emoid="

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