AgriCredit Solutions adds a building-finance system to Farming Simulator 25, allowing eligible placeable structures to be financed directly through Construction Mode instead of paying the full price up front.
Choose a down payment, finance term and plan before placement, then manage the agreement throughout its term.
Features
- The normal PLACE option remains unchanged. For eligible buildings, you can instead choose FINANCE and configure an AgriCredit agreement before placement.
- Review the Down Payment, Financed Amount, APR, Scheduled Payment and Finance Plan.
- Applicable groundwork costs are paid up front. Once placed, the agreement is permanently linked to that exact building.
- Traditional and Balloon financing plans, multiple terms and down-payment options, APR-based financing, automatic monthly payments and manual payments.
- Early payoff, persistent agreements and a dedicated management menu.
- Late fees, Collections and Cure Account systems, financed-building sale settlement and transaction tracking.
- Multiplayer-aware server-authoritative synchronization.
- The dedicated AgriCredit menu displays each agreement’s status, payment due, APR, remaining payments, outstanding balance, final payment and current payoff amount.
- Make manual payments, pay off financing early or cure an account in Collections.
- If the farm cannot afford a monthly payment, no partial payment is taken and the balance is not forced negative.
- Delinquency progresses through: LATE 1/6 → LATE 2/6 → LATE 3/6 → LATE 4/6 → LATE 5/6 → LATE 6/6.
- Late penalties increase from 5% to 30%.
- If enough money becomes available, AgriCredit can automatically collect the required payment plus penalty and begin returning the agreement to good standing.
- LATE 6/6 triggers SEVERELY DELINQUENT — FINAL NOTICE, providing one final monthly opportunity before entering IN COLLECTIONS.
- In Collections, automatic servicing and additional penalties stop. The building is not repossessed or demolished and remains usable, but the farm cannot start another AgriCredit agreement.
- Use CURE ACCOUNT to pay the overdue amount and penalties, return the agreement to ACTIVE status and resume financing eligibility.
- Agreements can be paid off early at any time.
- Financed buildings can also be sold. Sale proceeds are applied to the payoff first. Any remaining equity goes to the farm. If proceeds are insufficient, farm cash can cover the difference; otherwise, the sale is blocked.
- Agreements use persistent placeable identities and restore balances, payments, delinquency and Collections status across save/reload.
- Financial transactions and agreement synchronization use multiplayer-aware, server-authoritative handling.
- Extensive testing has been completed in single-player; remote multiplayer and dedicated servers have received less live testing.
Changelog
- Version 1.0.0.0
- The release has undergone extensive gameplay testing and passed GIANTS TestRunner 0.9.21 — 15/15 modules, 0 failures.
