did you guys pay your last loan to tom nook?

I paid it off the first time I sold turnips and ended up having 6 mil bells in ABD. I wanted to pay it off as soon as I could, even if there really isn't any incentive to do so, since my house doesn't feel complete unless it's fully paid off.
 
I haven't payed it yet. Im focusing first on landscaping my island and saving bells for inclines/bridges, items needed to decorate. Eventually I'll probably pay or who knows I'm still thinking about that. While I do like the free exterior its not that pricey either
 
I’ll pay him after he’s done charging me for building bridges and inclines and for the building relocations.
 
On my character I did it just for the sake of completing it.
On my alt characters I won't be paying off the last one. Not much need for it really. It'll only cost 5k to change their exterior if I wish to do so.
 
Technically maybe yes? As of right now I have no plans to expand past the 2nd expansion. I'm at the point where i can add my first additional room onto the house but I've decided that I wanna try living in a small house this time around, so even though I won't get those Nook stamps, I'm done expanding for the time being. I wanna live humbly like my villagers do lol. I may expand one day but for now I like my cottage and I paid off my most recent and last loan for a few hundred thousand or whatever the amount was.
 
I'm currently on the final payment, but I keep buying stuff here on the forums and it's going to be a while before I actually pay it off fully because of that. I could actually afford to pay it off today with what's in my ABD, but I'm holding onto that until I see a Crown in the Able Sisters' store.
 
Yeah, but I sadly have two other houses to pay off and I'm terrible with managing money loool
Hopefully Animal Crossing can teach me how to budget <3
 
I was only able to complete the payments, thanks to the help of the Stalk Market. Also, handling that part is the one thing I always do in any Animal Crossing game (that and every time I pay off the last of the loan, I always shout "FREEDOM..!!!").
 
I didn't, and don't really plan to unless there is some other benefit than free customization. I already have all my Nook miles from customizing your house, so I don't really see the benefit of paying 2mil + for a free 5k that I am never going to spend again because I am happy with my exterior. lol
 
I paid it off because it felt strange not to. I acknowledge that there's no rational reason to pay it off. I'm kind of hoping they'll add more loans in the future or something, so maybe it'll justify having paid it off.
 
Part of me thought there might be more Nook ticket options after paying it off...since I'd seen videos of people with things like Japanese Pagodas, the Eiffel Tower, etc. But, alas...I still don't know how people get stuff like that. Are those unlocked after 5 stars or something?
 
I have about 5.7mil in my ABD right now, but I did already finish my last loan. It would've bothered me too much if I didn't. Plus I wanted the free exterior designs even though that would've been less money just to buy lmao
 
Part of me thought there might be more Nook ticket options after paying it off...since I'd seen videos of people with things like Japanese Pagodas, the Eiffel Tower, etc. But, alas...I still don't know how people get stuff like that. Are those unlocked after 5 stars or something?
You get them from Gulliver after you help him fix his cell phone. He has a pool of things he can send you, including the items you mentioned.
 
I did just to get it over with, I like the free house design because I was hating the exterior of my regular house at it didn't fit in with my theme at all.

I know there's no "upgrade" (I do wish the side rooms were I bit bigger) but the guilt (idk what to call it) of seeing that I still have somewhat of a loan to pay off would totally eat away at me
 
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