what happens when you pay off the last loan?

[jokk]

is there a point to it? do you get more storage or something?

 

[Jam86]

you get to change your house exterior for free once a day, other than that you don't get anything

 

[Madrox6]

You get to customize the exterior of your house for free - roof, siding, door, mailbox. But it's pretty inexpensive even without paying off the loan. I think something like 5k bells?

 

[Mikaiah]

just gotta change your house a couple hundred thousand times, then it'll be efficient to pay off!

 

[Xeleron]

A huge pressure gets lifted off your shoulders because you know you're not in debt anymore and this little voice inside your head isn't reminding you about it every time you walk past resident services... also, the completionist inside all of us stops feeling restless.

 

[Kailah]

Tom Nook won't be begging you for money anymore :')