Ment
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I understand that you either take out a loan for the membership fee and to start your trading activities, or you complete quests. And yes, in reality, no one would give you a loan because you're basically homeless, but Revan's world is kind, where everyone is willing to give you a chance.
Because I understood it this way:
1. You need to pay a membership fee.
2. You can take out a loan for this.
3. After paying the fee or taking out the loan, you become a member of the guild, and only then can you take on quests.