Paid In Full is one of the earliest sidequests you'll pick up in Cyberpunk 2077, tasking you with paying off a hefty debt to your friendly neighbourhood ripperdoc, Viktor.
It's a lot of money you owe him, though - especially for so early in the game - so you're probably wondering whether it's worth it, and what you'll get if and when you do.
Below then, we'll explain whether you should pay back the debt to Viktor and what you get for completing Paid In Full.
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Paid In Full explained - what happens if you do or don't pay back your debt to Viktor in Cyberpunk 2077?
There's one main reason to complete Paid In Full: when you pay back Viktor you'll unlock access to his full services as a ripperdoc. In other words, you can buy from his selection of cybernetic implants and upgrades and have them installed.
However, if you don't pay him back, you don't miss out on too much. So far, we haven't discovered any real story impact on paying him back or not - he thanks you briefly but that's about it, conversation-wise - and similarly, there are lots of other ripperdocs around Night City that you can use as an alternative. You just won't get to buy from Viktor, and might feel a tiny bit guilty for taking those free Kiroshi Optics on an IOU...
For more help with Cyberpunk 2077, we have pages on systems such as Cyberpunk 2077 life paths, Cyberpunk 2077 attributes, stealing cars, money making, XP levelling, Street Cred, best Cyberpunk 2077 armour and clothing, best Cyberpunk 2077 weapons, romance options. As for missions, we have a main story quest list, and how to complete early-game objectives such as freeing Brick, whether to pay back Viktor in Paid In Full, the The Information Braindance, how to wait for lockdown, Cyberpsycho Sightings, Tarot Card locations, and Johnny Silverhand items. We also have explainers for Cyberpunk 2077 endings, how long to beat Cyberpunk 2077, whether you can change appearance later in Cyberpunk 2077, Cyberpunk 2077 PC specs, photo mode and Cyberpunk 2077 Trophies and Achievements.
Should you pay off your debt in Cyberpunk 2077's Paid In Full?
Whether or not you should pay off your debt to Viktor and complete Paid In Full is totally up to you, but our advice is that you hold off a little, until the €$21,000 isn't quite as big a sum, and then pay him back later on. In the early game cash is hard to come by in that sort of quantity and can be better spent elsewhere, but you'll feel better for paying your buddy back and this game is all about its people, after all.
Viktor does have a handful of interesting things for sale, too. Our pick of the bunch is the Dynalar Sandevistan Mk.4 Cyberdeck, which is Legendary tier, granting you a large number of additional base RAM, mod slots, buffer size (increased slots for during a Breach Protocol) and comes with an extremely useful active ability that slows time for 16 seconds and boosts your damage and crit damage while active by 15%, too, making you an absolute killing machine.
It does, however, cost another €$35,000, require at least 15 in Reflexes, and fairly high Street Cred too, so all that plus the price you pay to unlock his shop means it's really a mid to late-game piece of kit.
There are some other handy things here too, like the Titanium Bones mod that increases your carrying capacity, and some leg mods that let you jump higher, and double-jump, which can change the feel of the game somewhat too - but again, Viktor isn't the only ripperdoc in town.
In summary then, don't rush to do it, but feel free to at some point if the mood strikes - it's the right thing, after all.