FS25 Loan Terms V1.0

FS25 Loan Terms V1.0

This mod lets you finance purchases rather than leasing them or paying the full amount immediately.

Features

• Terms and dates:
  The fixed APR is 6%, with payments calculated through a reducing balance amortization schedule.
  Your first installment is due when the next in-game month begins. Payments occur monthly, regardless of the days-per-month setting or the amount of real-world time that passes.
  The last installment is adjusted for cent rounding, after which the payments end.
  A saved “finance year” calendar is used by the mod. Year 1 begins with March in the first year when the mod was enabled, and it is not a real-world year.
  As an example, a 36-month loan started in August of finance year 1 finishes in August of finance year 4. End dates are saved and remain available after the save is reloaded.
  Required payments can reduce farm cash below zero. Missed payments are not deferred, and there is no repossession, late fee or automatic extension of the end date.
• View and pay off:
  From an owned vehicle’s configuration/service screen, choose Vehicle loans.
  Choose a contract to view its balance, monthly payment, next due date and end date.
  Confirming payoff repays the outstanding principal, while future interest is waived.
  Early payoff requires sufficient cash.
  The optional console commands are vlLoans and vlPayoff.
  Using these commands requires the game’s developer console, but the store buttons do not.
  After changes, loan balances update for all clients. Joining clients request a snapshot and refresh every 30 seconds. Reopen the details dialog when you need to refresh it.
  When a new purchase is financed, closed contracts can be removed from the list.
• Multiplayer:
  Purchase prices are recalculated by the server, which also controls the interest rate.
  Financing or paying off a loan requires the farm’s Buy Vehicles permission.
  Requests are rate limited, and each farm can have one purchase loading at a time.
  The server allows a maximum of 256 active contracts across all farms.
  Only the server collects monthly payments and saves the ledger.
  Loan snapshots contain contracts from every farm, while the interface displays only your farm’s contracts.
  Other clients can still see the loan information; this mod does not hide it from them.
• Saves and vehicle sales:
  The records are stored in vehicleLoans.xml beside the regular savegame files.
  Keep this file together with its matching savegame and backups. Never copy a ledger between saves or delete it while contracts remain outstanding.
  When a financed vehicle is sold through the standard garage/dealer sale, its remaining principal is repaid automatically and its loan is removed. If it was not paid in full, future interest is waived when sold, and the original borrowing farm is charged the remaining balance. When the sale does not cover that balance, farm cash pays the difference and can become negative. Rejected sales have no effect on the loan.
  Resetting, reconfiguring, transferring or deleting a vehicle without a normal sale does not close the debt. Third-party sale systems that bypass the standard SellVehicleEvent are not covered. Liability stays with the original borrower.
  Disabling or removing the mod suspends payments. Re-enable the mod to continue them.
  Keep it enabled continuously while loans are active, because it cannot reconstruct the months that elapsed while the mod was disabled.
  Pay off contracts before permanently removing the mod or deleting a borrowing farm.