FLC

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The Hub's FLC, the first bank in the wasteland !

« You don't show us respect, you get hurt. How much more respectability can a man ask for? »

Lorenzo Giovanni, owner of the Hub's FLC.


The Friendly Lending Company (or FLC) is a business operation to lend caps to those that need funds. It is, in the Fallout world the best bank service. In the original Fallout, they were only in the Hub, but now, 76 years after, it seems the bankers have extended their business to other towns like Vault City or the New California Republic.

To know how to use the banks, read the bank accounts article.

Towns where the Friendly Lending Company is settled

The Company is implemented in many towns and is the best friend of the new players. The FLC is always in a building with the FLC logo painted on its wall.

The NCR's FLC.
  • NCR: In front of the Sheriff office.
  • The Hub: In front of the Maltese Falcon, in the south of the main area.
Vault City's FLC.
Broken Hills' FLC.
  • Broken Hills: Near Marcus, in the middle of the town. Broken Hills is not a safe city, avoid to use the bank there if you can't defend yourself !
  • Salt Lake City


  • Note: Redding's bank, into the Ascorti's casino, is not a FLC bank, but provides the same services. As Redding is not safe, just like Broken Hills, avoid the bank there if you can't protect yourself.

FLC Convoy and Robbery Job

FLC Convoy in Redding.

All banks can be robbed. Same for convoys. Banks are preparing caps for other FLC's branches - these are stored in lockers at the bank and waiting for convoy. You can try break to it but expect some results:

  • by any attempt your reputation in FLC and current town will be lower
  • in case of successful open the bank door or locker, the security will be called and the inhabitants of this town gonna hate you

When the FLC Convoy goes to some town you'll receive the proper message about it. After finish the countdown you'll be able to see a truck car guarded by few NPCs from security. If you don't want make some war with them don't come to close to them. Three of them will go to the bank for caps from locker, one will take caps from there and take them to truck's trunk. Here's your chance to rob them if you want. Of course you can try make it in delivery location but here caps will be transported to banker. Additionally you can also steal their truck and keys to door and lockers where caps for other bank branches are stored.

The Robbery Job has an impact on the global economy. When someone will steal cash from convoy or bank the merchants which belong to this bank branch can stop spawning caps. Merchants can also make deposits to their bank and you'll receive a notification about huge ones.