ROB RUN: Pay Debt to Lenny — Cost, Location and Rewards

In ROB RUN you can pay your debt to Lenny by visiting him at his motel and choosing Pay Debt at the Black Market laptop. The cost is a one-time payment of 1,000,000 credits taken from your bank account — not dirty cash. Paying it unlocks the "New Chapter" outfit (male and female versions), the "Pay your debt to Lenny" achievement, and a one-time bonus of 10 years of jail time.

Why you owe Lenny in the first place

The debt is part of the game's opening. When your character is broken out of prison, you're told that getting out comes with an obligation: "We'll get you out, but you'll owe one hell of a debt. Once you're outside, you're on the hook - which means you'll be paying us back." Once the tutorial wraps up, the game reminds you to "Pay your debt to Lenny."

Lenny is the character with the Black Market laptop. You'll find him at Lenny's Motel on the map, which is also where the roulette is located.

How to pay the debt, step by step

1. Finish the tutorial. The debt reminder appears only after the opening sequence is complete.
2. Travel to Lenny's Motel. Locate Lenny on the map — he's the NPC with the Black Market laptop.
3. Make sure you have 1,000,000 credits in your bank account. This is the key requirement: the payment uses credits, the money in your bank, not the dirty cash you carry.
4. Talk to Lenny and select "Pay Debt." The payment is made once, not in installments.

If the "New Chapter" outfit still shows as locked in the skin center, that's the game's way of telling you the debt hasn't been settled yet.

What you get for paying

The 10 years of jail time is worth understanding, because jail time isn't just a punishment stat in ROB RUN. According to the source material, jail time directly reflects your authority in the criminal world, and longer jail time unlocks various rewards — including tattoos that mark your achievements. Some Black Market shipments also require a certain amount of jail time, so the bonus can feed into other progression.

Where the 1,000,000 credits come from

This is the part most players get stuck on, because the activities that make you money pay out in dirty cash, not credits. The conversion happens at the Laundering Desk:

• Cargo runs, valuables and heists all pay dirty cash.
• Load that dirty cash onto the Laundering Desk to transfer it into your bank account as credits.
• Every house has a laundering desk, so you can launder from your own base. The Mansion's desk is noted as holding the most dirty cash.

Because the debt is priced in credits, you cannot pay it directly with the cash you pick up on jobs — it has to pass through laundering first. Plan for that extra step when you're saving up.

What paying the debt does not do

It's easy to assume that clearing the debt ends a storyline or resets something, but the source material is explicit on this point:

• It is not an ending. "New Chapter" is simply the name of the outfit and the banner that announces the unlock. The game continues as before.
• There is no recorded penalty for leaving the debt unpaid. Lenny does warn you — "Now get to work. If your debt isn't paid, you're getting shanked in the slammer. And you'll be trading your street clothes for an orange jumpsuit soon enough." — but no penalty for an unpaid debt appears in the game data.

So the debt is best treated as an optional-but-rewarding milestone rather than a ticking clock. If you want the outfit, the achievement and the jail time bonus, pay it; if you'd rather spend your credits elsewhere first, nothing in the data punishes you for waiting.

Common questions

Can I pay the debt in installments? No. The payment is a single 1,000,000 credit charge.

Can I pay with dirty cash? No. The debt is paid in credits from your bank account, so launder your dirty cash first.

Where exactly do I pay? At Lenny's Motel, by interacting with Lenny and choosing "Pay Debt."

Is the 10 years of jail time a downside? The source material treats jail time as a measure of criminal authority that unlocks rewards, not a penalty — and it's awarded as a one-time bonus for paying.

Does paying end the game? No. The "New Chapter" banner is an unlock notification, and play continues normally.

Version note

The figures above reflect client values from the 6 November 2026 update of ROB RUN. The specific platform or release version is not independently confirmed here; if a later patch changes the price or rewards, check the in-game Pay Debt prompt and the Lenny's Debt wiki page for the current numbers.