Loan Players Guide for FIFA 22 Ultimate Team

FIFA 22 Loan Players

Loan players are limited use items that can boost the overall performance of your team. In this Loan Players Guide for FIFA 22 Ultimate Team, we will explain how you can add them to your squad and how these cards work.


Loan Players for FIFA 22 Ultimate Team

Loan players for Ultimate Team were introduced in FIFA 15. They can inject that extra bit of quality into your squad for a few games and prove vital in key fixtures. Because of that, more and more people are using them. However, most of them will not fit in your squad. You can save them to use at less important matches but it is important to check how important they will be in your team before you ‘buy’ them.

Loan players items are identified by a blue circle in the bottom right corner, as you can see in the following image. The number within the circle, shows us how many matches he can play until his contracts expire and his card becomes obsolete.

You may be asking what’s the point to have these cards when you can have the final one. Well, first they are usually free and you will not be spending the contracts of your cards. Besides that, it gives you the chance to try new items before buying them. Ever wonder what it’s like to have Mbappé on your team? With the Loan Players feature, you’ll be able to try out some of FIFA Ultimate Team™’s most sought-after players for a limited amount of matches. See how a player fits onto your squad before purchasing them on the Transfer Market.

Loan Players Guide for FIFA 22 Ultimate Team

How to Get Loan Players

There are several ways to get these items: Seasons You can exchange your FUT XP by players on loan. The list is published here.   FIFA Editions FIFA 22 has two editions. Each one has different offers but both include the same loan players.

Standard and Ultimate EditionLoan Cover Star Item (5 matches)
Standard and Ultimate EditionLoan Ambassador Player Pick Item (3 matches)
  Starting Team When you start FUT 22 for the first time ever, right after opening your starter pack, the game request you to select a player on your squad to replace with a high rated loan player. The player you swap will be moved the reserves on your squad for use later. This is a one-time chance to improve your squad with a top-quality player. Just like on FUT Draft, it will show 5 players to pick one, according to the position you have selected. It is not possible to list them all here because, to the same position, there are dozens of players. The better is the card, the fewer games you can play with him.   Packs You can also receive loan players when opening specific packs. They are not available for sale on the FUT store but you can get them as a reward on Squad Battles or a special event or even by completing an objective.
Loan Player Reward PackIncludes a player rated 75-80 on loan
Premium Loan Player PackIncludes a player rated 81-85 on loan
Ultimate Loan Player PackIncludes a player rated 86-90 on loan
Loan Prime Icon PackIncludes a Prime Icon on loan


More Details about Players on Loan

Loan players are items which can be used for a limited number of games in FIFA 22 Ultimate Team. You already knew this but there are a few details about these cards that you may not know. Duplicates If you win a loan player item that you already own in your club, you don’t have to discard any of them. You can combine them into one single card with the sum of the contracts of both, and preserving the stats from the first one. Squad You can play with several players on loan at the same time. You can also own on your squad a loan player and his definitive card but you can only use one at a time. Transfer Market You cannot sell loan players items, which means that you will not find them on the FUT transfer market. If you try to discard them, you will receive 0 coins. Besides that, you cannot use them to submit squad building challenges. Contracts Like any other player card, when you use a loan player, you are spending one contract. If he remains on the subs or reserves, his loan duration keeps the same. However, you cannot apply contracts to his card to extend the loan. As soon as he runs out of contract, he becomes useless. Consumables Except for contracts, all other consumables work OK on loan players. You can apply healing, position, and chemistry styles, though most of the time it’d be a bit of a waste considering their limited availability.