diff --git a/src/economy.cpp b/src/economy.cpp
--- a/src/economy.cpp
+++ b/src/economy.cpp
@@ -836,17 +836,21 @@ static void CompaniesPayInterest()
 		/* Over a year the paid interest should be "loan * interest percentage",
 		 * but... as that number is likely not dividable by 12 (pay each month),
 		 * one needs to account for that in the monthly fee calculations.
+		 *
 		 * To easily calculate what one should pay "this" month, you calculate
 		 * what (total) should have been paid up to this month and you subtract
 		 * whatever has been paid in the previous months. This will mean one month
 		 * it'll be a bit more and the other it'll be a bit less than the average
 		 * monthly fee, but on average it will be exact.
+		 *
 		 * In order to prevent cheating or abuse (just not paying interest by not
-		 * taking a loan we make companies pay interest on negative cash as well
+		 * taking a loan) we make companies pay interest on negative cash as well,
+		 * except if infinite money is enabled.
 		 */
 		Money yearly_fee = c->current_loan * _economy.interest_rate / 100;
-		if (c->money < 0) {
-			yearly_fee += -c->money *_economy.interest_rate / 100;
+		Money available_money = GetAvailableMoney(c->index);
+		if (available_money < 0) {
+			yearly_fee += -available_money * _economy.interest_rate / 100;
 		}
 		Money up_to_previous_month = yearly_fee * TimerGameEconomy::month / 12;
 		Money up_to_this_month = yearly_fee * (TimerGameEconomy::month + 1) / 12;
diff --git a/src/misc_cmd.cpp b/src/misc_cmd.cpp
--- a/src/misc_cmd.cpp
+++ b/src/misc_cmd.cpp
@@ -96,7 +96,7 @@ CommandCost CmdDecreaseLoan(DoCommandFla
 			loan = std::min(c->current_loan, (Money)LOAN_INTERVAL);
 			break;
 		case LoanCommand::Max: // Pay back as much as possible
-			loan = std::max(std::min(c->current_loan, c->money), (Money)LOAN_INTERVAL);
+			loan = std::max(std::min(c->current_loan, GetAvailableMoneyForCommand()), (Money)LOAN_INTERVAL);
 			loan -= loan % LOAN_INTERVAL;
 			break;
 		case LoanCommand::Amount: // Repay the given amount of loan
@@ -105,7 +105,7 @@ CommandCost CmdDecreaseLoan(DoCommandFla
 			break;
 	}
 
-	if (c->money < loan) {
+	if (GetAvailableMoneyForCommand() < loan) {
 		SetDParam(0, loan);
 		return_cmd_error(STR_ERROR_CURRENCY_REQUIRED);
 	}
diff --git a/src/town_cmd.cpp b/src/town_cmd.cpp
--- a/src/town_cmd.cpp
+++ b/src/town_cmd.cpp
@@ -3435,7 +3435,7 @@ TownActions GetMaskOfTownActions(Company
 	if (cid != COMPANY_SPECTATOR && !(_settings_game.economy.bribe && t->unwanted[cid])) {
 
 		/* Actions worth more than this are not able to be performed */
-		Money avail = Company::Get(cid)->money;
+		Money avail = GetAvailableMoney(cid);
 
 		/* Check the action bits for validity and
 		 * if they are valid add them */
diff --git a/src/town_gui.cpp b/src/town_gui.cpp
--- a/src/town_gui.cpp
+++ b/src/town_gui.cpp
@@ -245,7 +245,7 @@ public:
 			case WID_TA_ACTION_INFO:
 				if (this->sel_index != -1) {
 					Money action_cost = _price[PR_TOWN_ACTION] * _town_action_costs[this->sel_index] >> 8;
-					bool affordable = Company::IsValidID(_local_company) && action_cost < Company::Get(_local_company)->money;
+					bool affordable = Company::IsValidID(_local_company) && action_cost < GetAvailableMoney(_local_company);
 
 					SetDParam(0, action_cost);
 					DrawStringMultiLine(r.Shrink(WidgetDimensions::scaled.framerect),