Loan Shark screenshot

Loan Shark on Stake by Paperclip Gaming - 96.00% RTP, 25,000x Max Win

The Loan Shark slot is a high-volatility cluster pays game from Paperclip Gaming, built on Stake Engine and exclusive to Stake Casino. It plays on a 7x7 grid where clusters of five or more matching symbols pay and then cascade, with a theoretical RTP of 96.00% and a maximum win of 25,000x the stake.

Provider

Paperclip Gaming

RTP

96.00%

Max Win

25,000x

Best Casinos of August 2026

Five casinos with a real welcome bonus this month, plus a mystery pick that routes to the best offer for your country. Loan Shark itself stays on Stake — use the box below only if you do not have an account yet.

WinShark logo
#1

WinShark

Up to €2,500 + 300 FS

Min €20Wager x45

Until end of 2026: 120% up to €150 + 100 FS on Lady Wolf Moon Megaways

AU AT CA DE PT PL ES IT CH GR FI SE NO DK HU LV SI NZ HR IE EE

MoroSpin logo
#2

MoroSpin

Up to €2,500 + 250 FS

Min €20Wager x40

First deposit: 150% up to €1,500 + 150 FS

DE CH NO FI IT BE

HellSpin logo
#3

HellSpin

Up to €400 + 150 FS

Min €20Wager x40

AU CA DE CH NO DK AT IE IT NZ LU IS LI PT ES SE · FI GR CZ PL SI SK HR HU RO EE

Mystery Casino logo
#4

Mystery Casino

Best welcome offer for your country

Smartlink picks the highest-converting casino for your GEO

All countries

CowboySpin logo
#5

CowboySpin

Up to €2,500 + 250 FS

Min €15Wager x40

No-deposit: 100 FS on Royal Joker, Big Bass Bonanza, Book of Demi Gods 2, Starburst

DE AT CH BE DK NO FI IE LU ES IT CA AU PL CZ SK SI HU RO AL MK PT KR NZ

PiperSpin logo
#6

PiperSpin

Up to €2,500 + 250 FS

Min €15Wager x40

No-deposit: 100 FS on Royal Joker, Big Bass Bonanza, Book of Demi Gods 2, Starburst

DE AT CH BE DK FI IE LU ES IT CA AU PL CZ SK SI HU PT MK AL BR NO RO KR NZ

1win logo
#7

1win

Up to 500% + 500 FS

Min $10Wager x40

Best for Tier 3. Bonus and min deposit depend on GEO

LatAm · Asia · Africa · CIS · IN ID BR MX TR and more

New to Stake?

Loan Shark is a Stake exclusive. If you don't have an account yet, register with code VIPSPIN7777.

Stake.com

Most countries

200% deposit bonus

+ 3.5% rakeback

Claim on Stake.com

Stake.us

Licensed US states

$25 Stake Cash + 250,000 Gold Coins

+ 3.5% rakeback

Claim on Stake.us

CONTENT:

Loan Shark Slot Overview

Loan Shark Slot Overview
Feature Details
Provider Paperclip Gaming
Game Type Video Slot
Grid 7x7
Mechanic Cluster Pays with cascading wins
RTP 96.00%
House Edge 4.00%
Volatility High
Maximum Win 25,000x
Bet Range 0.10 to 1,000.00
Bonus Buy Available
Platform Stake Engine, exclusive to Stake
Theme Animal, sea, money, gems
Release Date 10 August 2026

Loan Shark is aimed at players who accept high-volatility cluster sessions in exchange for a large payout ceiling. Small gem-ring clusters keep the reels moving, but most of the return is concentrated in Shark Wild multipliers and the three-tier respin bonus.

How to Play Loan Shark

How to Play Loan Shark

Set a stake anywhere between 0.10 and 1,000.00, then spin. There are no traditional paylines. A win forms when five or more identical symbols sit in a connected cluster anywhere on the 7x7 grid. Those symbols pay according to cluster size, disappear, and new symbols fall from above to fill the gaps.

Cascades continue for as long as fresh clusters appear. Most base game spins are likely to end after a short chain, but a Shark Wild landing inside a cluster can lift an otherwise small payout by 2x to 10x. Demo play is available at Stake as a free play session, which is the cleaner way to learn how scatters, wilds and empty bonus cells behave before committing real money. FS scatters do not pay; they only open the bonus ladder.

Loan Shark Slot Symbols and Paytable

Loan Shark Slot Symbols and Paytable

Low-value positions are gem rings in blue, green, pink and red. Premium symbols follow the crime-boss theme: a knuckle duster, a hat and a pistol. The table below shows cluster payouts at a 1.00 bet; scale the figures to the stake in use.

Symbol 5 6 7 8 9 10 11 12 13 14 15
Blue Gem Ring 0.10x 0.10x 0.15x 0.15x 0.50x 0.50x 1.00x 1.00x 2.00x 2.00x 5.00x
Green Gem Ring 0.15x 0.15x 0.20x 0.20x 1.00x 1.00x 1.50x 1.50x 3.00x 3.00x 7.50x
Pink Gem Ring 0.20x 0.20x 0.25x 0.25x 1.50x 1.50x 2.00x 2.00x 4.00x 4.00x 10.00x
Red Gem Ring 0.25x 0.25x 0.35x 0.35x 2.00x 2.00x 2.50x 2.50x 5.00x 5.00x 12.50x
Knuckle Buster 0.50x 0.50x 1.00x 1.00x 4.00x 4.00x 8.00x 8.00x 10.00x 10.00x 20.00x
Hat 0.75x 0.75x 1.50x 1.50x 8.00x 8.00x 12.00x 12.00x 15.00x 15.00x 25.00x
Pistol 1.00x 1.00x 2.50x 2.50x 12.00x 12.00x 16.00x 16.00x 20.00x 20.00x 30.00x

A 15-symbol pistol cluster pays 30.00x at a 1.00 bet, which is the highest regular-symbol ceiling and still far below the 25,000x max win. Adjacent cluster sizes often share the same value, so stretching from five to six matching rings does not always lift the payout. Shark Wilds sit outside this table: they substitute for every paying symbol and apply their 2x to 10x multiplier when they form part of a winning cluster.

Loan Shark Bonus Features

Loan Shark Bonus Features

The feature set splits cleanly between the base game and the hold-and-respin bonus. Shark Wilds do the work on ordinary spins. Prize symbols, empty cells and the Don Shark appear only once a bonus or special mode is open. Understanding that split is more useful than treating every special as a simple extra wild.

Shark Wild

The Shark Wild substitutes for all other paying symbols and carries a multiplier between 2x and 10x. When it is part of a winning cluster, that multiplier is applied to the payout. On a 7x7 cluster grid a well-placed shark can connect several groups at once, which is why a modest pistol or hat cluster can jump in size without a huge symbol count.

Shark Wilds already on the board when a bonus triggers are carried over into the feature. That carry is one of the more important rules in the game. A base game spin that looks average can still matter if a multiplied wild is sitting there when the third, fourth or fifth scatter lands. Sessions are likely to treat those held wilds as a head start rather than a guaranteed bonus result.

Bonus, Super and Epic Rounds

The FS scatter does not pay. It only opens one of three bonus rounds. Three scatters trigger the Bonus round, four scatters trigger Super, and five scatters trigger Epic. Each round starts with three respins. The higher scatter counts are the rarer, stronger entries into the same hold-and-respin idea rather than a completely different game.

Expected bonus frequency is not published, so natural three-scatter triggers should be treated as irregular events in a high-volatility model. Four-scatter and five-scatter entries are rarer still. The bonus buy menu exists for players who do not want to wait for those scatter counts, at a cost that needs its own bankroll plan.

Prize Symbols and Compound Interest

Prize symbols appear only in the bonus and special modes. They carry cash values, become sticky when they land, and grow through compound interest while they remain on the grid. Their appearance upgrades as the value increases, which makes the board readable even when several prizes have been sitting for a few respins.

Compound growth is the mechanic that gives quiet bonus spins a purpose. A prize that lands early can keep swelling while later respins try to fill empty cells. The published data does not list the interest rate or the cash-value steps, so those figures should be read in the in-game paytable rather than assumed. What is confirmed is the behaviour: sticky values, compound growth, and a visual upgrade as the prize gets larger.

Don Shark and Respins

The Don Shark appears only in the bonus and special modes. It turns sticky when it lands and carries a multiplier. Empty symbols also occupy the bonus grid. Respins continue until a symbol lands on those empty cells, which means the round is a fill-the-board sequence rather than a fixed spin count after the opening three respins.

The Don Shark is the collector-style threat inside that structure. A sticky multiplier sitting among growing prize values is likely to be the moment a bonus jumps, provided enough prizes have already locked in. Empty cells are the other side of the same coin: they keep the respins alive, but they also leave holes that must be filled before the round can end on a complete board.

Loan Shark Slot Bonus Buy Options

Loan Shark Slot Bonus Buy Options

The bonus buy menu offers seven paid routes into extra chance modes or direct feature access. Costs are a multiple of the current bet. Demo play is the practical way to see what each option does before spending real money on the higher tiers.

Bonus Option Cost
Extra Chance 3x per spin
Super Chance 6x per spin
Bonus Buy 1 100x
Knock at the Door 250x per spin
Super Bonus Buy 300x
Mystery Bonus Buy 500x
Family Visit 1,000x per spin

Extra Chance at 3x and Super Chance at 6x are the ante-style options. Bonus Buy 1 at 100x is the most accessible direct purchase, while Knock at the Door at 250x and Super Bonus Buy at 300x sit in the middle of the menu. Mystery Bonus Buy at 500x and Family Visit at 1,000x are the expensive end: a 1.00 stake pays 500.00 or 1,000.00 before the reels have settled.

From a bankroll view, the 500x and 1,000x purchases need the stake reduced first. The published RTP of 96.00% is the game figure, not a confirmed rate for each buy. These options should be treated as volatility choices rather than shortcuts that improve the long-term return.

Loan Shark RTP, Volatility and Maximum Win

Loan Shark RTP, Volatility and Maximum Win
Statistic Value
RTP 96.00%
House Edge 4.00%
Volatility High
Maximum Win 25,000x
Minimum Bet 0.10
Maximum Bet 1,000.00

RTP

Loan Shark returns a theoretical 96.00% to the player, leaving a house edge of 4.00%. That sits at a common level for modern video slots and is reasonable for a title that also advertises a 25,000x cap and several expensive bonus buys. The figure is calculated over a very large number of spins, so a short real-money session can finish well above or below it, especially when so much of the return is packed into sticky prizes and Don Shark multipliers. Check the in-game information panel at Stake in case a different configuration is being served.

Volatility

The slot is classified as high volatility. Blue and green gem rings are likely to appear more often than pistols, but those small cluster pays will not reliably offset long quiet stretches. A typical session is likely to alternate between short cascade chains and dead spins, then jump when a Shark Wild connects a premium cluster or when three or more scatters open the respin bonus.

Purchasing a 250x, 500x or 1,000x feature compresses that variance into a single paid event. Players who prefer frequent medium wins will probably find the swings uncomfortable. Players who already play high-volatility cluster games will recognise the pace.

Maximum Win

The maximum payout is 25,000x the selected bet. A 0.10 stake can theoretically return 2,500 and a 1.00 stake can return 25,000. Hitting that cap would require an exceptional bonus board: sticky prizes that have grown through compound interest, a Don Shark multiplier, and enough filled cells to put the values to work. It is the mathematical ceiling, not a realistic target for an ordinary bonus.

Where to Play Loan Shark Slot Online

Where to Play Loan Shark Slot Online

Loan Shark is an Only on Stake title, so real-money play and official demo play both sit at Stake Casino rather than across a wide casino network. Using the licensed operator keeps the 96.00% RTP, the full bonus buy list and the Stake Engine build intact. Load a free play session if the goal is to learn the cluster loop and the respin board without staking cash, then move to real money once the scatter and wild rules are clear.

Because the game is exclusive, shopping around for a second casino that carries it is not the usual comparison. What still matters is whether bonus-buy features are allowed in your jurisdiction, and how you fund the account. Stake supports local currencies and cryptocurrencies, which makes it practical to play Loan Shark for real money once the 0.10 to 1,000.00 bet range is mapped to a comfortable bankroll.

Loan Shark Mobile Experience

Loan Shark Mobile Experience

The 7x7 grid is dense, but Paperclip Gaming's symbol set is bold enough to remain readable on a phone browser. There is no separate app to install. Spin, bet and bonus-buy controls sit around the reels in the usual Stake mobile layout, and free play remains available if you want a low-pressure look at the respin board first.

  • Runs in modern Android and iOS browsers
  • No separate download required
  • Touch-friendly stake and spin controls
  • Full access to bonus buy where permitted
  • Free play demo on the same client
  • Portrait play is usable, though a 7x7 cluster grid is tighter than a 5x5 board

Graphics, Theme and Sound

Graphics, Theme and Sound

The presentation drops you into the heart of the sea with a wealthy crime-boss shark as the mascot. Sir Shark is jewelled, fierce and clearly the status figure on the screen. On the reels the art stays readable: gem rings in four colours, knuckle dusters, hats, pistols and shark wilds, with enough contrast that clusters remain obvious during cascades.

The soundtrack is subtle and dramatic, with the odd comic sound effect cutting through so the theme does not stay grim. When the bonus opens, sticky prizes and the Don Shark take over the visual language, which keeps the hold-and-respin board easy to parse. It is an animal sea slot first and a money-and-gems skin second, which is why the 7x7 grid remains usable even when several specials land at once.

Is Loan Shark Slot Worth Playing?

Is Loan Shark Slot Worth Playing?

Loan Shark is worth playing if the brief is a high-volatility 7x7 cluster slot with a 25,000x ceiling, multiplied wilds and a Stake-exclusive Paperclip Gaming build. It is less suitable if the brief is frequent small pays or a title you can hop between casinos to chase a better bonus.

Pros

  • 25,000x maximum win.
  • 96.00% RTP and a 4.00% house edge.
  • Clear cluster-and-cascade loop on a 7x7 grid.
  • Shark Wilds with 2x to 10x multipliers, carried into the bonus.
  • Three-tier Bonus, Super and Epic respin rounds.
  • Sticky prize symbols that grow through compound interest.
  • Bonus buy menu from 3x ante options to a 1,000x feature.
  • Distinctive sea-animal crime theme.

Cons

  • High volatility can produce long dry stretches in the base game.
  • Exclusive to Stake, so there is no casino shopping for extra copies.
  • Premium buys at 500x and 1,000x are expensive relative to the 0.10 minimum bet.
  • Most of the 25,000x potential sits in rare bonus-board combinations.

Similar Slots

Similar Slots

If Paperclip Gaming, cluster pays and high volatility are the draw, these titles sit nearby.

Slot Why It Is Similar
Soul Rush Another Paperclip Gaming title on Stake, useful as a studio comparison.
Eggs Marks the Spot Same provider and platform, with a different theme but comparable modern feature density.
Dragonspire Frostfall Paperclip Gaming on Stake, a nearby catalogue option if the studio is the hook.
Hex Bloom Paperclip cluster pays with cascading symbols, multipliers and an extensive bonus buy menu.
Jammin' Jars Cluster pays with cascading symbols and multipliers, a useful mechanical reference point.

FAQ

What is the RTP of the Loan Shark slot?

The theoretical RTP is 96.00%, with a house edge of 4.00%. Confirm the figure in the game information panel at Stake.

What is the maximum win in Loan Shark?

The maximum win is 25,000x the selected bet.

How do you trigger the Loan Shark bonus game?

Three FS scatters trigger the Bonus round, four trigger Super and five trigger Epic. Each round starts with three respins. The scatter itself does not pay.

Does Loan Shark have a bonus buy?

Yes. Extra Chance costs 3x, Super Chance 6x, Bonus Buy 1 costs 100x, Knock at the Door 250x, Super Bonus Buy 300x, Mystery Bonus Buy 500x, and Family Visit 1,000x.

Where can I play Loan Shark for real money or in demo?

It is an Only on Stake slot. Real-money play and free play demo both run at Stake Casino on Stake Engine.

What is the bet range?

Stakes run from 0.10 to 1,000.00 per spin.

Is Loan Shark a high-volatility slot?

Yes. It is classified as high volatility, with most of the potential sitting in Shark Wilds and the respin bonus.

Who developed Loan Shark?

Loan Shark was developed by Paperclip Gaming and released on 10 August 2026.

Tom Bradley
Tom Bradley / RTP Analyst

RTP analyst covering cluster-pays hold-and-respin bonuses and Stake Engine buy menus.

Read more about the author
Quick cashout • Big bonuses • Mobile ready Play Now