Finance Your Fleet V1.0 fs25-mods

Description:

Finance Your Fleet: Equipment Financing System Finance Your Fleet adds a comprehensive equipment financing feature to Farming Simulator 25, giving players an alternative way to acquire vehicles and machinery without paying the full amount upfront. Instead of purchasing each machine outright, you can choose a down payment, select a financing period, manage monthly installments, pay off agreements early, and handle late payments if your farm falls behind. Whether you're starting a new farm, expanding an existing operation, or seeking a more realistic financial challenge, this system introduces additional planning and risk management to equipment ownership. Important — Financing Mod Conflicts Do not use Finance Your Fleet alongside other vehicle financing mods. If another system is detected, it will be disabled for that session and a warning will appear. This prevents duplicate payments, conflicting agreements, and savegame issues. To use it, disable other financing mods and reload your save. Choose How You Finance When purchasing eligible equipment, you can configure your financing agreement beforehand. Available down payments include: 5%, 10%, 20%, 30%, 40%, or 50%. Your choice affects the interest rate: larger deposits lower the financed amount and interest rates. Financing terms range from 1 to 10 years, in 12-month steps. You can select from several structures to balance monthly payments and final payment amounts: - Traditional: Higher monthly payments, no large final payment. - Balanced: Lower monthly costs with a manageable final payment. - Reduced Monthly: Lower regular payments, larger final payment. - Minimum Monthly: Lowest monthly payments, largest final payment. Manage your financed equipment directly through the Finance Your Fleet menu, where agreements display key info such as: - Financed balance - Scheduled payment - Remaining payments - Interest rate - Final payment - Agreement status - Early payoff amount Vehicle info panels also show financing details while viewing financed equipment. Make manual payments to pay early, which advances the agreement by one installment and updates balances. Ensure sufficient farm funds are available. You can also pay off agreements early before the scheduled end date. The system shows the total payoff amount needed. Once settled, ownership transfers fully to your farm. Depending on your plan, agreements may include a final payment, which is due at the end unless automatically completed. Late payments are processed as scheduled, even if funds are insufficient. If a payment causes a negative balance, the agreement becomes delinquent. Consecutive late payments increase the next scheduled payment by surcharges: 5%, 10%, and up to 15%. After a positive balance is restored, late payment streaks reset. Recovery & Repossession If six consecutive late payments occur, the agreement enters Recovery mode, pausing scheduled payments. The status changes to RECOVERY – PAY OFF, giving a one-month grace period to settle the remaining balance. Failure to do so results in repossession, with the equipment's forced-sale value applied against the remaining debt. Savegame Persistence All agreements are saved with your game, including payment progress, balances, late payment status, recovery state, final payments, and vehicle associations. Additional protections ensure data recovery if save files become unavailable. Legacy Finance Data Import The system can detect and import finance data from previous systems, offering a one-time import option. Imported info includes vehicle associations, balances, payment progress, terms, interest, final payments, late payments, and recovery status. Post-import, the system manages agreements independently. Finance Mod Conflict Protection Built-in safeguards prevent conflicts with other financing mods. If another system is detected, it will be disabled for that session, with a warning message. To continue, disable other mods and reload. Current Features - Equipment financing during purchase - Down payments from 5% to 50% - Deposit-based interest rates - 1–10 year terms - Multiple financing structures - Scheduled monthly payments - Manual early payments - Early payoff option - Final payment handling - Finance management interface - Vehicle finance info display - Late payment tracking with surcharges - Recovery grace period - Equipment repossession - Forced-sale settlement - Savegame persistence - Data recovery protections - Legacy data import - Mod conflict safeguards Testing & Compatibility Extensively tested in single-player mode, including manual payments, insufficient funds, multiple financed vehicles, late payment escalation, resets, save/reload during delinquency, recovery, early payoff, mass repossession, missing vehicle handling, and agreement creation after previous repossession. Multiplayer and dedicated server features are not yet included. Installation Place the ZIP file directly into: Documents/My Games/FarmingSimulator2025/mods. Do not extract. Activate Finance Your Fleet when loading your save. If legacy data is detected, follow prompts to import. Note: Always back up your savegames before testing new mods. This system alters how financed equipment, payments, delinquencies, recovery, and repossession are handled. Regular backups are recommended, especially with large mod collections. Developed and maintained by JerseyShoreModding. Short Tagline Finance your equipment, manage monthly payments, survive late fees, and avoid repossession with this complete Farming Simulator 25 equipment financing system.