Borrowed Time is set in mid-1930's. The player assumes the role of a private investigator named Sam Harlow, who has to solve the kidnapping of his ex-wife Rita Sweeney. At the beginning, he runs away from two thugs, who want to kill him for an unknown reason. They fail, and he begins to search the town for clues, asking its inhabitants for information. But if the player makes a wrong move, Sam dies - killers come from nowhere and murder him... The player has to type in combinations of verbs and nouns to make an action. Locations are described in text form and presented by pictures, the latter often providing additional information not contained in the text description.