FS25 Heartland Agricultural Bank (Realistic Loans) V1.0.0.0

Farming Simulator 22 Mods | Farming Simulator 19 Mods · Published August 14, 2026 · Updated August 14, 2026

FS25 Heartland Agricultural Bank (Realistic Loans) V1.0.0.0

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.

Credits:
NuclearTony Mods

Tags: CONTROLS NUMPAD Past Due README

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