How Does the New Loan System Work in FIFA 23 Ultimate Team?

by Lordtoto01 / FIFA 23, Game Guides / 15 May 2022

FIFA 23 has introduced lots of new features and redesigned several older ones to match the standards of the present day. The Loan System is one such feature that received a massive rework. Loan players are temporary cards that you can try out for a set number of matches. You cannot extend their loan time with contracts, and the cards expire once their time is up. Let’s discuss the Loan System in further detail.

HOW DOES THE NEW LOAN SYSTEM WORK IN FIFA 23 ULTIMATE TEAM?

Loan players are special items that can be used in a limited number of games. You can identify loan player items by the distinct blue circle at the bottom right corner. It indicates the remaining number of games the player can play before their contract expires and the card is lost forever.

The key benefit of these items is that they are usually free and won’t expend the contracts of the rest of your cards. Moreover, it allows you to try out new items before purchasing them.

Here is everything you need to know about these loan player cards:

Contracts

The loan duration of the player remains unchanged if he is in the reserves or subs. However, you’ll be unable to extend the loan duration by using contracts, like you can do with normal cards.

Consumables

All consumables work fine with loan players. However, you’re better off saving the consumable items for an actual player.

Duplicates

You don’t have to discard a duplicate loan layer item. If you win one from a pack or through some reward, you can simply combine the two. Not only does the combined card consist of the sum of both contracts, but it also saves the stats from the first card.

Squad

There is no limit to how many loan player cards you can have in your squad. You can even own a definitive card and a loan player card for the same player. However, you’ll only be able to play with one at a time.

Transfer Market

Loan player items cannot be sold in the FUT Transfer Market. You’ll receive zero coins if you try to discard them, and you cannot use them for squad building challenges.

HOW TO GET THE NEW LOAN PLAYER ITEMS IN FIFA 23

Here are a few ways you can obtain FIFA 23 loan players:

FIFA Editions

Editions	Loan Player Cards
Ultimate and Standard Edition	Loan Cover Star Items for 5 matches
Ultimate and Standard Edition	Loan Ambassador Player Pick item for 3 matches.

Starting Item – When you launch FUT 23 for the first time, the game asks you to replace a player on your squad with a high-rated loan player. You’ll have to pick one loan player from five players.

Seasons – You can also exchange FUT XP to buy loan player items.

Packs – Although they are not available on the FUT store, you can receive a loan player by opening specific packs. They are also given as a reward on completing game objectives, special events and squad battles.

Pack Type	Players
Loan Player Reward Pack	Player rated 75-80 on loan
Loan Player Icon Pack	Prime icon on loan
Premium Loan Player Pack	Player rated 81-85 on loan
Ultimate Loan Player Pack	Player rated 86-90 on loan

F.A.Q.

Can you buy a loan player in FIFA 23?

No, you cannot buy any loan player from the FUT Transfer Market. You can exchange them for FUT XP or unlock them from certain packs.

The sports game has undergone several changes, and this guide is one of many in that list. If you want to learn more about FIFA, read the rest of our FIFA 23 guides for more information on niche topics.

How to Loan Players Out in FIFA 23

Lordtoto01

I’ve loved games ever since I was a child. I like playing them and sharing my feelings with other like-minded individuals. I started off writing as a hobby, and a few years later, my love for games is still as lively as ever and I intend to spread it throughout the gaming community.
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