Description

Ever want a more realistic bank loan experience than what the base game provides? Something a little more challenging and fun to use? Heartland Agricultural Bank is a new realistic bank loan system that enhances your banking / financing experience in the game. Built to be realistic, fun, and easy to use. Bad credit, good credit.. that’s all based on how you manage your payments with the bank and make all the difference when applying for loans. All mod features are listed below along with the key binds.

As always, i welcome any and all compliments, concerns and ideas!

CONTROLS
B – Open or close the bank
NUMPAD 7 / 9 – Previous or next banking tab
NUMPAD 8 / 2 – Move up or down
NUMPAD 4 / 6 – Adjust choices, statements, and inbox messages
ENTER – Confirm or submit
NUMPAD 1 – Extra $10,000 principal payment
NUMPAD 3 – Full loan payoff
NUMPAD 5 Open customer services
NUMPAD 0 Close the bank

CURRENT FEATURES

Six agricultural loan products
Loan application and approval system
Named agricultural loan officers
Farm credit score system
Asset-based borrowing eligibility
Credit-based fixed APRs and dynamic prime rate

Automatic amortized monthly loan payments
Persistent loan/payment data across saves and restarts
Monthly loan statements
Secure banking inbox
Application and origination fees
Late fees and past-due accounts
Collections and default progression
Restrictions on new financing while delinquent
Customer relationship tiers and rewards
Payment protection insurance
Payment deferral requests
Loan refinancing
Extra principal payments
Full early payoff option

ACCOUNT DELINQUENCY
1. missed payment: Past Due
2. missed payments: Collections
4. missed payments: Default
Late fees are 5% of the monthly payment, with a $75 minimum and $2,500 maximum where applicable.

See the README file for install instructions. All key binds and features are also listed on the README.

❤ ️ Someone loved this mod 3 hours ago!

💡 Others also downloaded: MP Statistics, Imperial System Conversion Settings V1.1, Michelin MAN (Prefab).

Authors: NuclearTony Mods

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4.7 out of 5 stars - 3 votes

How to install this mod (Full installation guide)

Download the mod (ModsHost download guide).
Find the mods folder on your computer
- Windows – /Documents/My Games/FarmingSimulator2025/mods
- Mac OS – /Library/Application Support/FarmingSimulator2025/mods
Copy the downloaded file to your Mods folder
Launch the game and enjoy your mod!

Problems? Let us know in the comments! Your feedback helps modders improve the mod. Also, be sure to check the comments section - other players may have already shared solutions to common issues.