Vehicle Leasing

With Vehicle Leasing, you can flexibly finance vehicles and machinery in Farming Simulator 25 without having to pay the full purchase price upfront.

💰 How Leasing Works

When leasing a vehicle, you define the terms step-by-step:

1. Select a down payment
2. Set the lease term
3. Determine the residual value
4. You will then receive a complete summary showing:

- Vehicle price
- Down payment
- Monthly installment
- Interest
- Total costs
- Final payment

You can then confirm the lease agreement with "Yes" and acquire the vehicle.

📅 Flexible Lease Term

You can choose a lease term between 6 and 36 months. Any whole number of months within this range is possible.

A term of 12 months is suggested by default.

📈 Interest

The default interest rate is 4% per year, calculated based on the actual amount financed.

Financed amount = Vehicle price − Down payment

The interest rate can be adjusted directly in the script via the INTEREST setting.

💳 Early Payoff

You do not have to wait until the end of the term. If you have sufficient funds during the lease period, you can pay off the contract in full ahead of schedule.

This saves you from paying interest that would have accrued over the remaining time.

🏁 Residual Value & Final Payment

When finalizing the lease agreement, you can set a residual value between 0% and 50% of the vehicle price.

A higher residual value means:

- 📉 lower monthly installments
- 💰 but a higher final payment at the end

The final payment is due at the end of the lease term.

If the final payment cannot be made, the vehicle is repossessed.

📊 Lease Overview

You can easily view and manage all active lease agreements at any time. You can find the leasing overview here:

Statistics → Vehicles → Leasing Overview

Alternatively, you can open the overview directly in-game by pressing Ctrl + K.

There, for each lease agreement, you can see details such as:

- 🚜 Vehicle
- 💶 Monthly installment
- 💰 Current outstanding balance
- 📅 Remaining months
- 💳 Next payment

This allows you to keep track of your active financing arrangements at all times.

⚠️ Payment Warning

You will receive a warning shortly before the next lease installment is due.

A notification appears during the two days prior to the next payment if your account lacks sufficient funds to cover the installment.

This ensures you are notified in time to make the necessary arrangements for the payment to go through.

Note: The day count is based on the internal day logic of LS25. If the in-game warning does not appear correctly, this can be adjusted accordingly. 🚜 Key Features

- ✅ Lease vehicles and machinery
- 💰 Customizable down payment
- 📅 Term length of 6–36 months
- 📈 4% annual interest rate
- ⚙️ Interest rate adjustable via INTEREST
- 🏁 Residual value of 0–50%
- 💶 Lower monthly installments with a higher residual value
- 💳 Early full repayment possible
- 📉 Save on future interest costs with early repayment
- 📊 Overview of all active lease agreements
- ⌨️ Quick access via Ctrl + K
- ⚠️ Warning for upcoming missed payments
- 🚨 Vehicle repossession if the final payment is not made

Vehicle Leasing brings a flexible and realistic financing system to Farming Simulator 25. Decide for yourself how much to put down, the duration of the financing, and the amount of the final payment.

Currently, it can only be played in single-player mode.

Updates are sure to follow...