Lorenzo Giovanni

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Lorenzo Giovanni
Fo1 Lorenzo Giovanni
affiliationFriendly Lending Company
locationHub Downtown
questsClean out the Loan Shark
base SPECIAL6 ST, 7 PE, 7 EN, 7 CH, 7 IN, 6 AG, 7 LK
derived statsHit Points: 45
Experience Points: 155
Armor Class: 11
Action Points: 8
Carry Weight: 175 lbs.
Unarmed Damage: 0
Melee Damage: 1
Sequence: 14
Healing rate: 2
tag skillsSmall Guns: 49
Unarmed: 54
Speech: 55
prototype id00000120
dialogue fileLORENZO.MSG

Only ten percent daily interest, a maximum of ten days to repay. You won't find a more generous lending institution anywhere in the Hub!

Lorenzo Giovanni is the owner and operator the Friendly Lending Company, or FLC, a moneylending business in the downtown district of the Hub.


Styling himself as "the Munificient" and giving the outward appearance of an honest businessman running a respectable business, Lorenzo is in reality a veritable loan shark. Quite willing to use physical force - via enforcers Guido and Leone - to exact payment from a customer, Lorenzo can grow extremely hostile when clients deviate from an agreement. He also claims that the Giovanni family name has been involved in "respectable business" since even before the Great War.

Interactions with the player characterEdit

Interactions overviewEdit

General Services Quests
Companion: noIcon cross
Talking head: noIcon cross
Merchant: yesIcon check
  • Sells loans
Modifies items: noIcon cross
Doctor: noIcon cross
Starts quests: noIcon cross
Involved in quests: yesIcon check


Other interactionsEdit

  • It is possible to get loans from Lorenzo, and also accuse him for his dealings with Decker. Lorenzo rather readily reveals his ties to Decker, the head of the Hub Underground. When an unnamed individual accused Lorenzo of extortion, which was likely a truthful claim, his "good friend Decker set them straight". He also suggests to the Vault Dweller that Decker might have some work available for him, even offering himself as a reference.


Apparel Weapon Other items
Leather jacket 10mm SMG
10mm JHP x30


Lorenzo appears only in Fallout.

Behind the scenesEdit

Lorenzo's name is derived from two Medici, members of the most prominent banking family of Renaissance Italy. Lorenzo "The Magnificent" was a skilled statesman, diplomat and a patron of the arts and sciences, while the corrupt Giovanni became Pope of the Roman Catholic Church, assuming the papal name Leo X.

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