Mod question-financing

[SWIllinoisFarmer]

Now keep in mind, I only play on PS4, but are there any mods available that allows users to finance equipment, land, etc?
I do a good enough job tracking expenses and do my own “banking”, but it sure would be easier if money just left my account at the end of the year like the lease money does.

[Rabbitbugs93]

No not for console.

[Bryan83]

For console, though it's not a mod, your best bet for that is the Community Trader site linked in my signature.

Full disclosure, I am on the staff on that board.

[chedly_farms]

Making payments to own would be a nice addition to the next franchise installment.

[Yeahrightio]

Yeah, lease to buy is the only way I could afford brand new equipment. If they are going for a more realistic game, I reckon instalments on payments are the way to go, spread out across years, with a % paid each month.

[CaptGoodvibes]

Great idea!

[Mwal]

Are you related to IllinoisFarmer?

[Tylercheesey1986]

I advise checking out the fscommunity trader as Bryan mentioned. There are all sorts of options for leasing, buying and selling anything in the game. You do need to do your own "banking" by using government subsidy mod to add money and leasing to deduct but it works pretty well

[CowsGoMoo]

Game already charges interest on loans and you can pay them it off in big chunks yourself rather than day by day. Lease to own needs to be implemented. When I first started I thought thats how the leasing worked. Even seen a few utoober makers paying off a lease and buying a machine or giving it back. Then I found out about role play.

But having the game demand a payment be made in X amount of game days (lets say 5) might throw some players off.

[Illinois Farmer]

Are you related to IllinoisFarmer?

Not that I know of. I'm in the nw side ha.

[Illinois Farmer]

Game already charges interest on loans and you can pay them it off in big chunks yourself rather than day by day. Lease to own needs to be implemented. When I first started I thought thats how the leasing worked. Even seen a few utoober makers paying off a lease and buying a machine or giving it back. Then I found out about role play.

But having the game demand a payment be made in X amount of game days (lets say 5) might throw some players off.

Taking out loans in game it's completely different than irl. Irl each piece of equipment has its own loan with its own interest rate. Every group of animals would have its own loan and interest as well. Also every farmer has an operating loan that helps pay off day to day expenses. Also seed has its own load and interest as well.

[CowsGoMoo]

With the exception of machinery and land didn't know farmers used loans so much.

[Kamoore65536]

As a kid I remember my mom and dad sitting down the first of January and pulling out the file box of farm bills and sorting them out. It took two weeks of sorting and organizing then sending them to the tax man and him sending back requests for more information for some of the paperwork. Dad's farm bank account was different from the house account and the piles of paperwork made him rather unbearable the first 4 months of the year. As I remember he had farm loans on the equipment, animals, buildings and even had paperwork for the government ground left fallow to contend with. I can only imagine what it would be like today. The funniest part about it all was the loans were always 90 or 120 day loans as he HATED owing people money.