A comprehensive finance, maintenance, and marketplace overhaul for Farming Simulator 25.
- Dynamic credit scores ranging from 300 to 850, modeled after real-world FICO scoring
- Starting score of 500 for new players
- Payment history is the primary factor (up to +250 points)
- Five credit tiers: Excellent (750+), Good (700-749), Fair (650-699), Poor (550-649), Very Poor (<550)
- Credit score directly impacts loan approval, interest rates, and available terms
- On-time payments gradually increase your credit score
- Missed payments cause rapid credit score drops
- Repossession events severely damage credit standing
- Full credit report available showing payment history and score breakdown
- Finance any vehicle or equipment purchase (1-30 year terms)
- Interest rates based on credit score (lower score = higher rates)
- Monthly automatic payment processing
- Pay extra toward principal at any time
- Early payoff available with no prepayment penalty
- Full amortization schedule visible in deal details
- Finance sheds, silos, decorations, and all placeables (1-30 year terms)
- Requires minimum 750 credit score for building financing
- 20% down payment required on all placeable purchases
- Same credit-based interest rates as vehicle financing
- Seamless purchase flow: place building → choose Cash or Finance → confirm
- Transaction transparency with detailed notifications explaining finance flow
- Multiple buildings can be financed sequentially without issues
- Take out general-purpose cash loans against your assets
- Use owned vehicles and equipment as collateral
- Loan amount limited by collateral value
- Collateral seizure if loan defaults after missed payments
- Multiple collateral items can secure a single loan
- Finance the cost of repairs when short on cash
- Finance repaint costs with monthly payments
- Spread maintenance costs over time instead of paying upfront
- Lease farmland for 1, 3, 5, or 10-year terms
- Shorter terms have higher markup rates (20% for 1 year, 5% for 10 years)
- Monthly lease payments automatically deducted
- Expiration warnings at 3 months, 1 month, and 1 week before end
- Land reverts to NPC ownership upon lease expiration
- Lease renewal option available before expiration
- Finance farmland purchases over extended terms
- Build equity while using the land
- Lower monthly payment compared to lease-to-own
- Purchase leased land before term ends at discounted rate
- Longer lease terms earn bigger buyout discounts (up to 15% off)
- Credit toward purchase price based on payments already made
- Engine Health: Affects power output, fuel efficiency, and starting reliability
- Electrical Health: Impacts lights, gauges, and electronic systems
- Hydraulic Health: Controls implement lift, steering assist, and attachments
Hidden "DNA" Reliability Trait (Workhorse/Lemon Scale)
- Each vehicle has a hidden "DNA" score (0.0-1.0) assigned at spawn
- Lemons (low DNA): Experience more frequent breakdowns, faster wear, and progressive degradation
- Workhorses (high DNA): More reliable with slower degradation
- Legendary Workhorses (DNA ≥ 0.90): IMMUNE to repair degradation - can last forever if maintained!
- Mechanic inspection hints at vehicle's reliability class via colorful quotes
- DNA affects initial RVB part lifetimes (0.6x-1.4x multiplier when RVB installed)
- Each repair permanently reduces max component durability (lemons lose 0-2% per repair)
- Each breakdown causes larger permanent damage (3-8% depending on DNA)
- Legendary workhorses are immune to repair degradation - only breakdowns wear them down
- Legendary workhorses (DNA ≥ 0.95) take only 30% breakdown damage
- Creates a "death spiral" for lemons: more breakdowns → faster degradation → even more breakdowns
- Creates "immortality" for well-maintained workhorses: prevent breakdowns → zero degradation
- Three tire quality tiers with meaningful trade-offs:
| Tier | Cost | Traction | Failure Rate | Wear Rate | Initial State | Effective Life |
|---|---|---|---|---|---|---|
| Retread | 40% | 85% | 3x | 2x faster | +35% worn | ~32% of Normal |
| Normal | 100% | 100% | 1x | 1x | Fresh (0%) | 100% baseline |
| Quality | 150% | 110% | 0.5x | 0.67x | -15% bonus | ~172% of Normal |
- v2.3.0: Quality tiers create 5x life difference between cheapest and best options
- v2.3.0: DNA affects tire wear: Lemons (1.4x) wear tires faster, Workhorses (0.6x) are gentler
- Tire tread wears over time based on usage and terrain
- Worn tires reduce traction and increase slip
- Flat tires cause steering pull toward the affected side
- Flat tires reduce maximum speed
- Low traction warnings in wet/icy conditions
- Tire service available to replace worn tires
- Engine Oil: Depletes with use, low oil causes engine damage
- Hydraulic Fluid: Powers implements and steering, leaks cause system failures
- Fuel: Fuel leaks drain tank over time when detected
- Leak detection with dashboard warnings
- Fluid service dialog to refill oil and hydraulic fluid
Low fluid levels don't just cause damage - they make ALL related malfunctions worse!
| Fluid | Affects | Effect at 20% Fluid |
|---|---|---|
| Oil | Engine malfunctions | 2.6x more likely, 2.2x longer duration |
| Hydraulic Fluid | Hydraulic malfunctions | 2.6x more likely, 2.2x longer duration |
- Full fluid = no penalty (1.0x multiplier)
- 50% fluid = moderate penalty (~2.0x multiplier)
- 20% fluid = severe penalty (~2.6x multiplier)
- Empty fluid = maximum penalty (3.0x multiplier)
Real-world basis:
- Low oil makes engines run hotter, wear faster, and misfire more often
- Low hydraulic fluid causes cavitation, erratic pressure, and valve sticking
- A farmer who ignores "LOW FLUID" warnings will have a MUCH worse day!
- Comprehensive inspection available at dealer or via agent
- Reveals component health percentages
- Shows tire condition and fluid levels
- Hints at hidden reliability trait
- Inspection history tracked per vehicle
- Partial repairs available (fix just what you need)
- Partial repaints for cosmetic damage
- Repair history tracked as part of vehicle record
- Breakdown events logged for resale transparency
Real consequences for neglecting maintenance:
- Overheating: Engine temperature rises, power reduces, eventual stall (v2.5.2: faster at low oil!)
- Misfiring: Random power fluctuations and rough running (v2.5.2: more frequent at low oil!)
- Stalling: Engine cuts out unexpectedly, restart required (v2.5.2: more likely at low oil!)
- Hard Starting: Difficulty starting in cold conditions with worn engine
All engine malfunctions are affected by oil level (v2.5.2)!
- Electrical Cutout: Temporary loss of electrical systems
- Gauge Failures: Instrument readings become unreliable
- Light Flickering: Headlights and work lights flicker or fail
- Hydraulic Drift: Implements slowly lower when raised (v2.5.2: faster at low fluid)
- Hydraulic Surge: Sudden steering loss for 5-15 seconds - requires active countersteering!
- Implement Surge: Sudden unexpected implement movements
- PTO Toggle: Power take-off randomly engages or disengages
- Hitch Failure: Attachments may unexpectedly disconnect
- Runaway Engine: When BOTH oil AND hydraulic fluid drop below 10%, the speed governor fails! Vehicle accelerates uncontrollably up to 150% max speed. Brakes only 40% effective. Must turn off engine or crash to stop!
- Implement Stuck Down: Hydraulic lift failure - cannot raise lowered implement for 45+ seconds
- Implement Stuck Up: Hydraulic valve failure - cannot lower raised implement for 45+ seconds
- Implement Pull: Asymmetric drag causes steering to pull left or right
- Implement Drag: Hydraulic strain reduces max speed to 60% while working
- Reduced Turning: Power steering failure limits steering travel to 65%
All v2.5.0/v2.5.2 hydraulic malfunctions are affected by hydraulic fluid level!
- Flat Tire: Sudden tire failure causing steering pull
- Slow Leak: Gradual pressure loss over time
- Blowout: High-speed tire failure
- Fuel Leak: Tank slowly drains fuel when parked or running
Emergency repair system for disabled vehicles in the field. Designed as a tactical tool - use it wisely!
- Portable diagnostic tool that connects to vehicle's OBD (On-Board Diagnostics) port
- Purchase from shop as a consumable hand tool ($5,000 for Basic kit)
- Carry to disabled vehicle and activate to begin diagnosis
- Scanner reads fault codes and sensor data from vehicle systems
- Choose which system to diagnose: Engine, Electrical, or Hydraulic
- Scanner displays 3 diagnostic readings (fault codes, sensor values, test results)
- Interpret readings to identify the root cause from 4 possible diagnoses
- Correct diagnosis = better repair outcome
- Tests your mechanical knowledge and deductive reasoning
Each system can only be diagnosed ONCE per vehicle:
- Engine - one diagnostic boost available
- Electrical - one diagnostic boost available
- Hydraulic - one diagnostic boost available
- After use, message shows: "System already diagnosed - OBD boost exhausted"
- Prevents exploit of spam-buying kits for unlimited restoration
- Seizure repair is separate - fixing a seized component doesn't consume the diagnosis
- Field Repair Maximum: 80% reliability (field repairs can't match workshop quality)
- Vehicle Ceiling: Also respects the vehicle's aging ceiling (
maxReliabilityCeiling) - Effective Cap: Uses whichever is lower -
min(80%, vehicleCeiling) - Shop repair for more: To exceed 80%, use workshop repair services
- Basic Kit ($5,000): Standard OBD readings, 1.0x boost multiplier
- Professional Kit ($12,000): Enhanced diagnostics, 1.25x boost multiplier
- Master Kit ($25,000): Complete diagnostics, 1.5x boost multiplier
- Perfect Diagnosis: Correct system + correct cause = 8-15% boost (up to 22.5% with Master)
- Good Diagnosis: Correct system + wrong cause = 4-8% boost
- Poor Diagnosis: Wrong system entirely = 1-3% boost
- All boosts capped at 25% maximum, then subject to 80%/ceiling cap
- Vehicle is re-enabled regardless of outcome (you can limp home)
- Emergency flat tire repair without needing a tow
- Patch Repair ($50): Moderate fix, 60% tread restored
- Plug Repair ($25): Quick fix, 40% tread restored
- Kit is consumed after one use, regardless of diagnosis accuracy
- Encourages players to learn vehicle systems for better outcomes
- Stock up on kits for long field work sessions
- Strategic use: Save your one-time diagnosis for when you really need it!
- Hire an agent to search for specific used vehicles
- Local Agent: 1-2 month search, lower fees, smaller selection
- Regional Agent: 2-4 month search, moderate fees, better selection
- National Agent: 4-6 month search, higher fees, best selection
- Small upfront retainer fee when search begins
- Agent commission built into vehicle price upon purchase
- Choose specific vehicle make and model
- Select desired quality level (affects price and condition)
- Agent continues monthly searches until contract ends
- Multiple vehicles accumulate in your portfolio as found
- Browse and purchase from found vehicles at any time
- Condition ranges from Poor to Excellent
- Lower condition = lower price but more repairs needed
- Component health (engine, electrical, hydraulic) varies by condition
- Tire wear and fluid levels reflect actual vehicle state
- Maintenance history available for review before purchase
- Used prices significantly below new retail
- Price reflects actual condition and component health
- Trade-in available when purchasing (takes your old vehicle)
- Savings tracked in lifetime statistics
After inspecting a used vehicle, you can negotiate the price instead of paying full asking price!
The Three Twists:
- Mechanic's Assessment - Inspection report shows vehicle condition
- Mechanic's Whisper - Your mechanic shares intel about the SELLER's psychology
- Weather Window - Bad weather makes sellers more willing to deal!
Offer System:
- Select your offer percentage (70%, 80%, 85%, 90%, 95%, or 100%)
- Lower offers save more money but risk rejection
- Seller may Accept, Counter, or Reject your offer
- Cash only! Used vehicle purchases require full payment upfront
Seller Personalities (v2.6.2 - DNA-driven!):
| Type | Accept At | Tolerance | Frequency | Behavior |
|---|---|---|---|---|
| Desperate | 65% | +8% | 10% | Very forgiving of lowballs |
| Motivated | 75% | +4% | 25% | Somewhat tolerant |
| Reasonable | 85% | 0% | 40% | Standard expectations |
| Firm | 92% | -5% | 25% | Easily insulted by lowballs |
| Immovable | 98% | -10% | ~5% | Workhorse owners - they know what they have! |
v2.6.2: DNA-Driven Seller Assignment Seller personality is no longer random - it's tied to the vehicle's hidden DNA!
- Lemons (DNA < 0.30): 60% Desperate, 25% Motivated, 15% Reasonable
- Average (DNA 0.30-0.69): 10% Desperate, 30% Motivated, 45% Reasonable, 15% Firm
- Workhorses (DNA 0.70-0.89): 5% Motivated, 30% Reasonable, 50% Firm, 15% Immovable
- Legendary (DNA ≥ 0.90): 20% Firm, 80% Immovable - owners KNOW they have gold!
This creates meaningful market dynamics:
- Great deals are more likely to be lemons (desperate sellers unloading problems)
- Stubborn sellers often have workhorses worth paying more for
- "Too good to be true" pricing? Probably a lemon!
v2.6.1 Rejection Risk System - Lowballing Has Consequences!
The further below the seller's threshold you offer, the higher your rejection risk:
| Gap Below Threshold | Risk Level | What Happens |
|---|---|---|
| 0-5% | Safe | Always counter - reasonable negotiation |
| 5-10% | Low Risk | Usually counter, 0-30% rejection chance |
| 10-15% | Medium Risk | 50/50 counter vs reject |
| 15-20% | High Risk | Usually reject, only 0-30% counter chance |
| >20% | Extreme Risk | Always reject - seller is insulted! |
Example: Offering 70% to different sellers
| Seller | Threshold | Raw Gap | Tolerance | Adjusted Gap | Result |
|---|---|---|---|---|---|
| Desperate | 65% | -5% | +8% | -13% | Accept! |
| Motivated | 75% | 5% | +4% | 1% | Safe counter |
| Reasonable | 85% | 15% | 0% | 15% | High risk (mostly reject) |
| Firm | 92% | 22% | -5% | 27% | Always reject! |
Factors That Improve Your Chances:
- Days on market: +0.3% acceptance per day listed (max +10%)
- Vehicle damage > 20%: +5% acceptance
- Operating hours > 5000: +3% acceptance
- Bad weather (rain, storm, hail): +3% to +12% acceptance
Weather Modifiers:
| Weather | Modifier | Seller Psychology |
|---|---|---|
| Hail | +12% | Fear of outdoor equipment damage |
| Storm | +8% | Urgency to close deal |
| Rain | +5% | Stuck inside, reflective mood |
| Snow | +5% | Off-season blues |
| Fog | +3% | Gloomy outlook |
| Cloudy | +2% | Slightly contemplative |
| Clear/Sunny | 0% to -3% | Optimistic, no rush |
Counter Offers:
- If your offer is close but not quite enough, seller will counter
- Accept the counter, Stand Firm (risky!), or Walk Away
- "Stand Firm" outcomes: 30% accept, 50% hold, 20% walk away
Negotiation Lock & Permanent Walk-Away (v2.6.2):
- Temporary Cooldown (1 hour): Seller rejects but may return
- Permanent Walk-Away: Insulting offers (>20% below threshold) cause PERMANENT rejection!
- The listing is locked forever - that vehicle is gone
- Shows "The seller walked away permanently" warning
- Strategic risk: push too hard and lose the vehicle entirely
- Immovable sellers (workhorse owners) are especially sensitive to lowball offers
Strategic Tips:
- Read the mechanic's whisper to identify seller personality!
- Wait for bad weather to improve your odds
- Don't lowball firm sellers - they won't budge
- Long-listed vehicles = more desperate sellers
- Damaged/high-hour vehicles = sellers want them gone
Mechanic's Whisper Examples:
- "Between you and me... they seem pretty eager to sell. Might be in a tough spot." (Desperate seller - lowball away!)
- "Between you and me... I've seen this rig listed for a while now." (Long listing - more flexible)
- "Between you and me... they've priced it fair and know exactly what it's worth." (Firm seller - stay above 90%!)
- "Plus, with that storm rolling in, they might want to close quick." (Weather bonus active)
- List owned vehicles for sale through agent network
- Local Agent: Fastest sales (1-2 months), lowest returns (60-75%)
- Regional Agent: Moderate timeline (2-4 months), better returns (75-90%)
- National Agent: Longest wait (3-6 months), best returns (90-100%)
- Agent actively markets your vehicle to potential buyers
- No-cost listing similar to vanilla selling
- Instant sale at standard depreciated value
- No agent fees but no price negotiation
- Receive offers from interested buyers
- Accept or decline each offer
- Offer amounts based on vehicle condition and market demand
- Multiple offers may come in during listing period
- Offers expire if not responded to promptly
- Trade in old vehicle when purchasing new
- Instant disposal - lowest return option (50-65% of sell value)
- Condition impacts trade-in value (damage and wear reduce price)
- Brand loyalty bonus (5% extra for same manufacturer)
- Convenient when upgrading equipment
- Overview of all active loans and leases
- Payment schedule and upcoming due dates
- Credit score display with rating tier
- Total debt and monthly payment obligations
- Quick access to deal details and payment options
- Comprehensive UI for all finance, maintenance, and marketplace features
- Consistent styling matching FS25 native interface
- Full keyboard and controller navigation support
- Informative displays with color-coded values
- "Finance" and "Lease" buttons in vehicle shop
- "Search Used" option to find pre-owned equipment
- Trade-in option when purchasing
- Condition display for used vehicles
- "Buy", "Finance", and "Lease" options for farmland from map view
- Repair option when clicking owned vehicles on map
- EnhancedLoanSystem: ELS loans display in Finance Manager with "ELS" type marker
- HirePurchasing: HP leases display in Finance Manager with "HP" type marker
- Employment: Worker wages included in monthly obligations total
- See ALL financial obligations from multiple mods in one unified view
- Make payments on ELS loans directly from UsedPlus Finance Manager
- Click "Pay Early" on ELS loans to make monthly or full payoff payments
- UsedPlus calls ELS payment API for seamless integration
- Real Vehicle Breakdowns: Deep integration with UsedPlus Workhorse/Lemon DNA system
- DNA affects initial RVB part lifetimes (0.6x-1.4x multiplier)
- Repair degradation applied when using RVB Workshop Service button
- Breakdown degradation applied when RVB parts fail
- OBD Scanner shows RVB part health: Engine, Thermostat, Generator, Battery, Starter, Glow Plug
- Legendary workhorses immune to RVB repair degradation
- v2.7.0: Override RVB Repair toggle - disable to let RVB handle repair natively (use Map > "Repair Vehicle" for UsedPlus features)
- Use Up Your Tyres (v2.3.0 Deep Integration):
- Per-wheel display: TiresDialog shows FL/FR/RL/RR wear when UYT installed
- Quality affects wear rate: Retread tires wear 2x faster, Quality tires wear 33% slower
- DNA affects wear rate: Lemons wear tires 40% faster, Workhorses wear 40% slower
- UYT wear influences flat tire probability: Higher UYT wear = higher flat chance (1x-3x multiplier)
- Two-way sync: Tire replacement in UsedPlus resets UYT wear tracking
- OBD Scanner shows per-wheel UYT wear data
- AdvancedMaintenance: Both systems work together via function chaining
- Monthly total shows loans + leases + employment wages (marked with * when wages included)
- Assets display shows farmland count: "Assets: $X (Y fields)"
- Complete picture of monthly cash requirements for accurate budgeting
UsedPlus provides escape hatches for mod conflicts:
| Setting | Default | Description |
|---|---|---|
| Override Shop Buy/Lease | ON | When ON, UsedPlus intercepts Buy/Lease buttons. When OFF, vanilla/other mods handle them. |
| Override RVB Repair (v2.7.0) | ON | When ON, RVB's Repair button opens UsedPlus partial repair. When OFF, RVB handles repair natively. Only shown when RVB is installed. |
Access via ESC > Settings > UsedPlus
- BuyUsedEquipment: UsedPlus hides Search button, BUE handles used search
- CrudeOilProduction: Pure production mod, fully compatible
- SpecialOffers: Notification utility, works alongside
- Full multiplayer compatibility with server-authoritative logic
- All transactions validated and processed on server
- Network events sync finance data across clients
- Per-farm credit scores and deal tracking
- Shared farm finances visible to farm members
- Searches started, succeeded, failed, and cancelled
- Total agent fees paid
- Savings from buying used vs new
- Vehicles purchased through used marketplace
- Sales listed and completed
- Total sale proceeds
- Finance deals created and completed
- Total amount financed over time
- Total interest paid
- Negotiations attempted, won, countered, rejected (v2.6.0)
- Total savings from negotiation (v2.6.0)
Full localization support with 10 languages:
| Language | Status |
|---|---|
| English | ✓ Complete (source) |
| German | ✓ Complete |
| French | ✓ Complete |
| Spanish | ✓ Complete |
| Italian | ✓ Complete |
| Polish | ✓ Complete |
| Portuguese (BR) | ✓ Complete |
| Russian | ✓ Complete |
| Ukrainian | ✓ Complete |
| Czech | ✓ Complete |
All 1,654 translation keys available in every language.