FS25 AgriCredit Solutions V1.1.0.0
AgriCredit Solutions brings building finance to Farming Simulator 25. Eligible placeable structures can be financed from Construction Mode, so their full price does not have to be paid at once.
When a building qualifies, select FINANCE and set up an AgriCredit agreement before placing it. The regular PLACE option is unchanged.
Features
- Set the down payment, finance term and plan before placement.
- Check the Down Payment, Financed Amount, APR, Scheduled Payment and Finance Plan.
- Applicable groundwork costs must be paid up front.
- Traditional and Balloon financing plans are available.
- Several terms and down-payment options are available.
- Financing is based on APR.
- Payments can be made automatically each month or manually.
- Financing may be paid off early.
- Persistent agreements are tied to the exact building.
- A dedicated menu is provided for management.
- Late fees, Collections and Cure Account systems are included.
- Sales of financed buildings are settled through the financing system.
- Transactions are tracked.
- Synchronization is multiplayer-aware and server-authoritative.
- The dedicated AgriCredit menu shows every agreement’s status, payment due, APR, remaining payments, outstanding balance, final payment and current payoff amount.
- Manual payments can be made, financing can be paid off early, and an account in Collections can be cured.
- When the farm cannot afford a monthly payment, no partial payment is taken and the balance is not forced negative.
- Delinquency moves through: LATE 1/6 → LATE 2/6 → LATE 3/6 → LATE 4/6 → LATE 5/6 → LATE 6/6.
- Late penalties rise from 5% to 30%.
- Once sufficient money is available, AgriCredit can automatically collect the required payment and penalty, then start bringing the agreement back to good standing.
- LATE 6/6 causes SEVERELY DELINQUENT – FINAL NOTICE, allowing one final monthly opportunity before IN COLLECTIONS.
- While in Collections, automatic servicing and extra penalties stop. The building is neither repossessed nor demolished and remains usable, but the farm cannot begin another AgriCredit agreement.
- CURE ACCOUNT pays the overdue amount and penalties, changes the agreement back to ACTIVE status, and restores financing eligibility.
- Agreements may be paid off early at any time.
- Financed buildings may be sold. The proceeds first go toward the payoff. Remaining equity goes to the farm. If the proceeds are insufficient, farm cash can pay the difference; without enough cash, the sale is blocked.
- Persistent placeable identities let agreements restore balances, payments, delinquency and Collections status across save/reload.
- Financial transactions and agreement synchronization use multiplayer-aware, server-authoritative handling.
- Single-player testing has been extensive; remote multiplayer and dedicated servers have received less live testing.
- The release received extensive gameplay testing and passed GIANTS TestRunner 0.9.21 – 15/15 modules, 0 failures.
Installation
Put FS25_AgriCreditSolutions.zip directly into your FS25 mods folder. Do not unzip it.
For bugs or issues, contact JerseyShoreModding on Discord and include your Farming Simulator 25 log file whenever possible.
V1.1.0.0
- New Features – 5-Minute Building Placement Grace Period: Newly financed buildings now have a 5-minute grace period after placement.
- Down Payment Refunds: When a financed building is sold during the grace period, the financing agreement is cancelled and the original down payment is refunded.
- Automatic Grace Period Cancellation: A loan payment immediately ends the grace period.
- Improvements – Grace period timers now persist correctly through game saves and reloads.
- Financed building cancellations and loan settlements are handled more effectively.
- Financing agreements from earlier versions remain unaffected.
- After the grace period expires, normal financed-building sale settlements resume.
- Cash purchases and existing financing features continue to operate normally.
- Fixes & Stability – Financing agreement persistence and building relinking after loading a saved game have been improved.
- Loan payments, full payoffs, building sales and refund calculations have been verified.
- Financing transactions are more reliable.
- Testing – GIANTS TestRunner 0.9.23: 15/15 tests passed with zero failures.
- Building financing and grace period functionality were tested in-game.
- Important Notes – The grace period applies only to newly financed buildings.
- Landscaping and terrain modification costs are not refundable.
- Earlier financing agreements do not receive a grace period retroactively.
- Replace the previous mod ZIP with the new version. Do not install multiple versions simultaneously.
