Diarmuid Sargent is the local loan shark of Oxbay town. He works in a three-story office building just in front of Alan Milds' store. Diarmuid offers two kinds of services as a money lender; one can loan for gold from him, or deposit some wealth to him. One can borrow three different amounts of money from Diarmuid; "not much", "quite a bit", and "the more the better", at a small interest rate. Borrowing a large amount would mean that the client would need to repay a larger sum within the agreed time period of the transaction. If the client fails to do so, his reputation decreases.