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Loan Shark

Creature 2 — human, humanoid

Loan sharks lend money to those in need but charge high interest. If there's ever an issue with repayment, they'll send their gang to ensure clients pay in full. In the underbelly of society, the lawless reign supreme.

Source: pathfinder-npc-core

Perception +8
Skills athletics +9, deception +8, diplomacy +8, intimidation +8, society +15
Str
+3
Dex
+0
Con
+1
Int
+2
Wis
+2
Cha
+4
AC 18 Fort +7 Ref +6 Will +10
HP 25
Speed 25 feet

Offense

Melee Dragon-Headed Cane +10, Damage 1d4+5 bludgeoning
Melee Fist +9, Damage 1d4+5 bludgeoning

Abilities

Business Savvy — When making monetary deals, the loan shark gets a +8 circumstance bonus to Deception checks, Diplomacy checks, and their Perception DC.
Loan Specialist — For encounters involving monetary deals, the loan shark is a 7th-level challenge.
Never off the Hook (aura, emotion, mental) — 60 feet. Creatures in the aura who owe the loan shark money take a –3 circumstance penalty to their Will DC against the loan shark's attempts to or them and can't reduce their Frightened value below 1 while in the aura.
Interest is Due! (auditory, concentrate, linguistic, mental) — Frequency once per round Effect The loan shark commands an ally within 30 feet to attack a creature who owes the loan shark money. The ally can use a reaction to Strike the debtor, dealing an additional 1d6 mental damage.

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