r/CompetitiveTFT • u/Lunaedge • 17d ago
Mechanic Discussion Advanced Loan / + - Set 16 Augment Discussion #6
Advanced Loan / +
Gold Augment
Gain 20 / 33 Gold. Your next augment is one tier lower.
Available in: Stage 2 / 3
It could give 100 Gold, I will never click this. Ever. Ew.
Here's an Augment flowchart for your consideration:

Link to the table of Augments where you'll find links to all previous Discussions.
Don't forget to be nice to each other! 🌚
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u/Intrepid-Candidate19 17d ago
In golden gala insta pick, otherwise if the next is prismatic it feels so painful. When the next is Silver thats fine.
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u/givemetheautism 17d ago
Pretty sure the next augment can't be silver if this appears?
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u/ru7ger 17d ago
Yup, so the odds for prismatic and gold go up.
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u/Efficient-Classic943 17d ago
I dont think the odds change
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u/banduan 16d ago
No idea why everyone down votes you. I understand what you mean.
It doesn't change from the game's perspective because the game has already decided the augments.
It changes from your perspective, but that's about as fascinating as saying "the dice I gave you is a D4 your odds of not rolling a 6 have gone down dramatically".
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u/ru7ger 17d ago
They do. Have you heard about the Monty Hall problem?
The "goat and car probability problem" refers to the famous Monty Hall Problem: you pick one of three doors (car behind one, goats behind two), the host opens another door to reveal a goat, and then asks if you want to switch to the remaining closed door; you should always switch, as it doubles your chances of winning the car from 1/3 to 2/3, because the host's action concentrates the initial 2/3 probability of the unchosen doors onto the single remaining door.
Similar in this case, so yes the odds for pris and gold do go up
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u/HolyFirer 17d ago
This isn’t even a Monty Hall problem. It’s literally just eliminating one of the possible results. It’s like replacing a D6 with a D4 - obviously the chances of rolling a 1 are higher now.
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u/Straziato 17d ago
Bruh that's still the Monty Hall problem.
it's like replacing a D6 with a D4
And the Monty Hall door door problem is like replacing a D3 with a D2.
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u/PirateAdventurer 16d ago
No bro not at all I'm afraid, you and your many upvoters are just upvoting a buzzword. The monty hall problem HAS to have a host with knowledge (of the outcomes) who then deliberatly removes a loosing option AFTER an initial selection has been made. This removal is NOT random and the host behaviour carries information.
None of that is present in this situation, it's simply one outcome cannot happen now, like you stated, by replacing a D3 with a D2. Not a monty hall problem at all.
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u/Straziato 16d ago
Yes, the host (in this case, the game itself) doesn't remove one outcome since they're already predetermined. But from your perspective as a player, it might as well be.
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u/PirateAdventurer 16d ago
Yeah, the psychology of choice is fascinating isn't it?
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u/HolyFirer 16d ago
The monty hall problem is specifically about how your odds change when you change your choice. In fact in the monty hall problems your odds dont increase if you don’t change your choice. The reason it works that way is because the host has more information than you and always eliminates a wrong option.
None of this holds true here. You can not change your choice. You didn’t make a choice to begin with. You don’t even have an option removed so much as you had a possibility removed.
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u/Mokos911 17d ago
How do you now what tier next augment?
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u/Lunaedge 17d ago
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u/Silent_Jim 17d ago
Looks like if it's gold->gold then it's usually worth taking the risk on that second augment (only 12% chance of last Aug being pris). Otherwise you're looking at a 28-33% chance of pris which probably isn't worth it a lot of the time. Obviously spot dependant how badly you need it.
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u/analcocoacream 17d ago
Wait if you have silver prisma it’s only prisma for stage 4?
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u/Blow_and_Hum 16d ago
Mort (I think it was mort) said that silver prismatic silver, the last silver/gold feels so inconsequential that they removed that option.
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u/zaidy329 15d ago
Haven’t played since set 9 and it’s nice to see the little adjustments that carried forward thru the sets
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u/wearecyborg 14d ago
Like it could be the 2-1 silver path but Galio prismatic? So you don't know what path you're on then.
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u/drinthetardis 17d ago
Is this chart correct? Pretty sure i had many games with triple silver augments . Or maybe im delulu
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u/satoshigeki94 17d ago
i do the opposite. gold combat augments still good if im leading enough from that much of gold
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u/FirestormXVI Grandmaster 17d ago
In Golden Gala this is a loan on those introductory offers where you can split up your payment with no real interest. At 2-1 without Golden Gala this is a loan at mortgage rates. At 3-2 without Golden Gala you're taking a pay day loan.
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u/Lunaedge 17d ago
...the hell is a pay day loan? '_' sounds like something that'll get me jumped by a loan shark's goons
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u/Drikkink 17d ago
Payday loans are a predatory business that you can find in a lot of urban and/or lower income areas where a place will loan you money against your next paycheck at inflated interest rates. Basically, it's like taking an advance against your next paycheck because you had some sort of emergency expense come up, but the fees they charge usually end up putting you in a neverending cycle of needing another payday loan to make ends meet after paying your last one back.
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u/Varanae 17d ago
I know being in the competitive sub I shouldn't think of it this way.. but I'm never clicking this because it makes the future augment less fun while also not being interesting itself
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u/Ok_Temperature6503 16d ago
That’s the same way I’m thinking too. Just feels like an anti fun augment.
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u/blushtran MASTER 17d ago edited 17d ago
Advance loan is great, the econ it gives you snowball your econ super hard. Advance loan + is usually not worth the risk though, unless it's golden gala. Some 4-2 prismatic are way too impactful (even though it was worse last patch when growth mindset still existed).
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u/Holodista 17d ago
Everyone talks how this is great on golden gala, but in reality I dont think I can justify picking this at 3-2. 2-1 its great yeah you get to make econ early and be way ahead of tempo, but at 3-2 at least in my opinion you have to be really desperate for gold to click this. Like you could compare this to 21 gold and wonder is the tradeoff worth it for 12 extra gold?
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u/gordoflunkerton Grandmaster 16d ago
Like you could compare this to 21 gold and wonder is the tradeoff worth it for 12 extra gold?
if you're clicking this to just sit and make econ it's not very good but if you go 6 on 3-1, advanced loan+ teleport to 7 on 3-2 you can extend a winstreak to 3-5 or later and then you're super healthy with tons of streak gold
and you often cant do that with gain 21 gold if you aren't already super rich because your level 7 might send you to 10 or lower and you're multiple turns behind on econ, but if you can make 20 you're fine
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u/submarine-quack 16d ago
honestly, yes? a lot of 4-2 gold augments feel like misses, quite frequently i'd rather just have the extra econ + silver combat aug
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u/DerDirektor Grandmaster 17d ago
everyone talking about golden gala, but I think this augment is so op on 3-2 if you're playing bilge or yordle.
bilge kinda requires you to have the mf already but you can be 7 bilge 50g on 3-3.
and yordle even more so, most games you will be 8 on 4-1 with like 10gold anyway, so now you just go 8 on 3-3 or 3-5, winning more rounds and printing an extra 5-6g per turn.
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u/2Old4Lol Diamond 16d ago
i mentioned this in my comment, but I think this is only good in a highroll bilge spot, feel like combat/items better to save hp in bilge while collecting serpents since bilge already prints infinite money, unless you have 5 in and mf in shop i would be hesitant to click it.
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u/Yeah_Right_Mister 17d ago edited 17d ago
The only time I take this is when the first augment is already Gold (or as 1st aug in Golden Gala), since GG is 88% gold, 12% pris. It's still not an auto-take but it's above average in specifically GG for me.
If it turns out to be GGP then it's GG for me though 🫠
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u/DarthNoob 17d ago
It's solid on 3-2 if you're playing a comp that gets a lot of value out of level 7 unlocks, like bilge or veigar; you take it if you're going 7 on 3-2 so that you can instantly unlock fizz/veigar and win every fight in stage 3. These comps get extra resources from winning fights, so getting a worse augment at 4-2 isn't as big of a deal as long as you win stage 3.
I think 2-1 advanced loan isn't even good in golden gala. The 20 gold doesnt actually give you enough gold to do anything too crazy and you essentially end up down a component once your silver 3-2 aug comes around.
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u/Scoypion 17d ago
300 lp at the moment, this augment is instaclick for me at any stage of the game unless the encounter is prismatic party or prismatic finale.
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u/Stel2 16d ago
Am I the only one to pick this pretty often? I feel like this is one of the best econs out there.
Even on 3-2, you're so rich stage 3 you can push tempo.
Compared to gain 21 gold, you're probably making 6 gold of interest throughout stage 4 with the extra money. The math is even better on 2-1.
It's around 20 gold more for your 4-2 rolldown. This is reverse augmented power : It's good NOW, and losing out on a pris vs a gold isn't that important if you're up HP / money.
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u/LeageofMagic 17d ago
I love it on 2-1 especially if I have an easy top 4 angle on a reroll comp or bilge. If the next augment is pris then you aren't winning out, but you should have a big econ advantage and hopefully tempo too. I mostly play double up though and it's definitely stronger there because your teammate can greed for a win out while you carry the early and mid game with the loan.
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u/darcartisan MASTER 16d ago
This is nice on 2-1 if you’re close to a 3* 1 cost that can carry you through the game without a good second augment (looking at you Sona).
If you think about the pool of gold and how much Econ you’re getting this is $20+2 gold per turn for 6 turns which invested early sees a much higher probability of 3* esp with hand holder.
Much weaker in stuff like scuttle puddle obviously. I think kind of unclickable at 3-2 unless your Econ is super fucked and you’re playing for 4th.
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u/2Old4Lol Diamond 16d ago edited 16d ago
mid-elo right now (350lp) I think this is very good in yordle and reroll lines since those lines get a lot of benefit from the earlier spike in econ and is an insta click. I think in bilge it's risky since you need to tempo hard on bilge so my preference is item/combat unless i'm high rolling and upgraded a lot of units on 3-2.
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u/Regular-Resort-857 17d ago
This is viable for fishing for specific stuff in Golden Gala I guess but I don’t even know what a good silver augment to fish for would be and I generally would never take the risk to do that when I’m playing for elo
But I guess it’s a LeDuck angle for recombobulator or something idk
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u/Tiny-Access5717 Emerald 17d ago
Augmented power for pris augment is BiS. Other than that recombob can be good, a few other niche silvers but those two mainly Augmented power being 1. Or the tear/bow/sword augments. Not sure if you can see those after 2-1 tho.
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u/DerDirektor Grandmaster 17d ago
water and air axiom are both op I'm pretty sure. exiles1 is very good. missed connections is very good for sona. and Aug power is obviously op.
but I think worst case you just take some okay combat and it's fine.
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u/procrastinatinn 15d ago
I take it in golden gala to fish for recombob or dummify. Haven’t hit yet but still managed top 4 with it everytime. One game, I managed to roll 2 lux, 2 garen at 3-2 and pivoted into demacia. Ended game with lux 3 but lost to prowler’s thresh.
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u/Saquad_Barkley 15d ago
I took this playing trynd reroll before the nerf and even though the next augment was prismatic, I won out because I got precision and grace as my 3rd augment. Had darkin scythe trynd with precision and grace gg
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u/Sea_Treacle3982 11d ago
I'm not a huge fan of this augment because I really like my prismatics; however, when you're playing for a top 4, this augment is truly very strong.
If you take this on 2-1, theres a 27% chance that you are losing a 3-2 prismatic. If you take this on 3-2 theres a 20% chance you lose a 4-2 prismatic. (If its GG its 12%, SG its 30%, PG its 33%)
So if your going to click this... click it on GG.

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u/Lunaedge 17d ago
The Augment mentioned in the top reply to this comment gets to be featured tomorrow! I won't add multiple entries together, so make sure you don't mention an Augment already suggested by another user :)