LS 25 Hiring Purchasing Improved v2.0.0.0
I take no credit for the original mod. Full credit for the original work goes to the original creator. I only take credit for the changes, improvements, and features that I personally added to this edited version. everything i have done is listed below.
Improved Hire Purchasing / Financing System for Farming Simulator 25
This version expands and refines the original hire purchasing system with a more complete, realistic finance experience.
Major improvements include:
Added multiple finance plan options with different deposit amounts, APR rates, and balloon payment choices.
Improved finance term display with clearer year/month formatting.
Added a detailed finance management screen showing:
Plan type
Current agreement status
Monthly payment
APR
Payment progress
Final/balloon payment
Remaining balance
Early settlement cost
Added delinquency tracking with increasing late-payment surcharges.
Late payments now build through multiple stages before repossession.
Added a repossession grace period, allowing the player one final opportunity to settle the agreement.
Repossessed vehicles are automatically sold if the agreement is not cured during the grace period.
Repossession sale proceeds now correctly handle both surplus refunds and remaining shortfalls.
Added clear finance status information to the vehicle information screen.
Added actual “next payment” values, including any applicable late surcharge.
Added manual payment support so players can make an upcoming payment early.
Manual payments correctly advance the agreement and can clear delinquency.
Final balloon payments can also be paid manually.
Repossessed agreements cannot use manual payments and must be resolved through early settlement.
Improved early settlement confirmation with remaining balance, settlement amount, balloon amount, current farm balance, and projected balance after settlement.
Added a combined monthly finance summary showing payments, late agreements, repossessions, and completed agreements.
Improved save/load handling so delinquency and repossession states persist correctly after reloading a save.
Fixed completed agreements so zero-balloon finance plans end immediately without an unnecessary extra month.
Improved finance totals so repossessed agreements no longer incorrectly contribute to the active monthly-payment total.
Cleaned up UI wording and status labels for better readability.
Completed a full GIANTS Test Runner validation with all checks passing.
Overall, this update turns the finance system into a much more complete hire-purchase experience with better payment control, clearer information, realistic delinquency handling, and improved save game reliability.
