Should I pay Viktor early on in the game?

Beginner

To repay ripperdoc Viktor Vektor quickly in Cyberpunk 2077, complete side quests (gigs) and NCPD scanner hustles to accumulate the €$21,000 needed for the debt. his side job, “Paid in Full,” becomes available after the initial cyberware is installed and unlocks access to Viktor’s services, but its completion is not mandatory and does not affect the main story.  

This video shows how to earn money quickly by completing side missions:

How to earn money for the debt

  • Complete Gigs and NCPD Scanner Hustles: These activities are the primary source of income in the early game and provide opportunities to earn the €$21,000 required to pay back Viktor. 
  • Sell unnecessary items: You can sell items you don’t need to vendors to gain a bit of extra cash. 
  • Be resourceful: Some players have found success in “farming” locations for quick cash. 

Why to pay Viktor back

  • Access to Viktor’s services: Paying off the debt unlocks Viktor’s full selection of cybernetic implants and upgrades. 
  • Complete the quest: Finishing the “Paid in Full” side job will give you a sense of accomplishment and some experience points. 
  • Build a positive relationship: Repaying Viktor is considered the “right thing to do” by some players, as it acknowledges his help. 

Why you might want to wait

Other Ripperdocs: You can purchase cyberware from other ripperdocs throughout Night City, so Viktor is not your only option for upgrades. 

Early game finances: The €$21,000 can be a significant sum in the early stages of the game and may be better spent on other missions or equipment.