Villager
Calico
Loan officer at Happy Cat Sith Loans
The cat folk girl who shows up when you cannot afford a meal. Debt taken from her is a real mechanic: stay indebted too long and the run ends on the Use Responsibly ending.
"A cat folk girl working at Happy Cat Sith Loans. She usually ends her sentences with meow." — Compendium
When this happens
Every week, whenever you choose to borrow instead of paying
Achievement and unlock rate: Steam Community global achievements, 2026-09-29. Profile text: in-game Compendium, transcribed via the Fandom wiki. No details have been inferred for entries the game does not describe.