Tales of Xillia 2 Guide: Debt Repayment Rewards

Check this guide out for the rewards for paying off your debt in Tales of Xillia 2!

Tales of Xillia 2 has an interesting system not seen in previous games. Early in the game you get slapped with 20 million gald worth of debt. You must repay certain amounts to progress the story. When you aren't progressing the story, you can repay your debt to unlock other rewards, such as costumes or skills.

20 million is a lot and there are many things for you to unlock by paying certain amounts. There's even a special reward for paying it all off! I'm here to tell yo what those rewards are, and when you unlock them.

For more tips and guides, please visit the guide directory.

This guide will cover everything about debt repayment including:

Debt Repayment Rewards

20 million is a hefty sum and there are many things unlocked throughout the debt repayment process. This is why I'm breaking up everything in 2 million increments. I'll list them starting 1-2 million as how much you must pay off to get each the rewards. I won't have the exact payments, but everything listed is in the order you unlock them in. Some things will vary since you aren't required to make payments unless you need to advance the story or get too much money.

1-2 million

  • Duval train station travel restriction lifted
  • Kitty Krisps - Cuts return time by 10% in Kitty Dispatch

  • Marksburg or Heliosburg travel restriction lifted
  • Minimum Damage skill (Ludger) - This makes all attacks deal 1 point of damage.
  • Kitty Krisps
  • Aladhi travel restriction lifted
  • Chapter 7 unlocked
  • Friendship Potion - Raises affinity with one party member
  • Chapter 8 unlocked
  • Chapter 9 unlocked
  • Minimum Damage skill (Jude)
  • Kitty Krisps
  • Recall skill (Jude) - 40% chance to automatically revive when Ko'd. Will only work once in battle.
  • Kitty Krisps
  • Friendship Potion
  • Minimum Damage skill (Leia)
  • Kitty Krisps
  • Minimum Damage skill (Alvin)
  • No Jacket 1 costume (Ludger)
  • Kitty Krisps
  • Chapter 10
  • Impregnable Guard skill (Alvin) - Guard can no longer be broken.
  • Friendship Potion
  • Kitty Krisps
  • Minimum Damage skill (Elize)
  • Restore Plus skill (Jude) - Chance of reviving a KO'd ally with Restore increased by 20% (to 70%).
  • Chapter 11
  • Friendship Potion
  • Gummy Fishies - Cuts return time by 15% in Kitty Dispatch.

  • Chapter 12
  • Recall skill (Elize)
  • Friendship Potion
  • Gummy Fishies
  • Chapter 13
  • Minimum Damage skill (Rowen)
  • Chapter 14
  • Gummy Fishies
  • Impregnable Guard (Rowen)
  • Friendship Potion
  • Gummy Fishies
  • Gentlemen's Creed skill (Alvin) - All basic parameters increase by 5% for each female party member you have during battle.

3-4 million

  • Gummy Fishies
  • Recall skill (Leia)
  • Friendship Potion
  • Minimum Damage skill (Gaius)
  • Gummy Fishies
  • No Jacket costume and Jacketless haircut (Alvin)
  • Alvin's Cap costume attachment
  • Friendship Potion
  • Gummy Fishies
  • Impregnable Guard (Gaius)
  • Friendship Potion (2) 
  • Minimum Damge skill (Muzét)
  • Catnip - Cuts return time by 20% in Kitty Dispatch.
  • Damage Reflect skill (Gaius) - 50% of damage received will be reflected back at the enemy.

  • Recall skill (Muzét)
  • Catnip (3)
  • Minimum Damage skill (Milla)
  • Vitality 3 skill (Jude)
  • Impregnable Guard skill (Milla)
  • Friendship Potion (3)
  • Psyche 3 skill (Elize)
  • No Jacket costume (Leia)

5-6 million

  • Catnip (3)
  • Dexterity 3 skill (Rowen)
  • Friendship Potion (6)
  • Agility 3 skill (Leia)
  • Strength 3 skill (Gaius)
  • Spirit 3 skill (Muzét)
  • Intelligence 3 skill (Milla)
  • Melee Gamble skill (Ludger) - Take only 1 point of damage when guarding against physical attacks, but receive twice as much damage when not guarding.
  • Kitty Toy - Cuts return time by 35% in Kitty Dispatch.

7-8 million

  • No Jacket costume (Rowen)
  • Impregnable Guard skill (Jude)
  • Friendship Potion (3)
  • Kitty Toy (2)
  • Stamina 3 skill (Alvin)
  • Impregnable Guard skill (Elize)
  • Recall skill (Rowen)
  • Spell Gamble skill (Ludger) - Take only 1 point of damage from magical attacks when using Magic Guard, but receive twice as much damage when not using it.

9-10 million

  • Friendship Potion (2)
  • Kitty Toy
  • Impregnable Guard skill (Ludger)
  • Impregnable Guard skill (Leia)
  • No Jacket costume (Elize)
  • Kitty Toy
  • Friendship Potion (3)
  • Recall skill (Gaius)
  • Friendship Potion (4)
  • Kitty Toy
  • Impregnable Guard skill (Muzét)

11-12 million

  • Friendship Potion (5)
  • Recall skill (Milla)
  • Kitty Toy
  • Agalaea, The Trampler - Ludger's Hammer Fell Arm.
  • Friendship Potion
  • Recall skill (Alvin)
  • Friendship Potion (2)
  • Royal Feast - Triples the chance of receiving a rare item from Kitty Dispatch.
  • Elemental Armor skill (Milla) - Elemental artes will grant a 30% resistance to that element for 8 seconds.

Secret Ending

Although I have not paid off all the debt, I can tell you what you get for doing so. You'll get a secret ending that involves the cast going to some hot springs. The males members don't quite ge the same treatment as the females. Check out EmiruTheKnight's video below.


That's it for the debt repayment guide for Tales of Xillia 2. I'll update as I pay off more debt.  If you'd like to see more guides and tips, check out the guide directory.

Guide Editor

After gaming for 25 years, Synzer leveraged his vast knowledge of RPGs and MMOs into a job as a games journalist, covering the games he loves. Five years later, he's still writing about Kingdom Hearts, Pokemon, and Knights of the Old Republic. Synzer has a bachelor's degree in English and creative writing. You can see him in action on his YouTube channel (https://bit.ly/2F97BrR) and Twitch (https://www.twitch.tv/synzergaming).

Published Jul. 10th 2018
  • Huke_4994
    Does this side quest stop once I step into the Land of Canaan? I assume it's the end game. That is where I'm currently at right now with 13m gald to go.

Cached - article_comments_article_16339
Related
More Tales of Xillia 2 Content