The starting money in Farming Simulator 25 is enough to buy a few tools and machines for smaller-scale farming, but those who are experienced enough might want to start big with more fields or better equipment.
It will take players some time to start generating a good amount of profit from their smaller-scale farming fields, but loaning money is also an option for starting with a massive budget, though you really need to have a plan for what you will do with the money to bring back the debt and also make a profit.
How To Loan Money
Open the pause screen menu and head to the Statistics section. Here, click on the Finance tab, and press the Borrow button at the bottom of the screen to loan. Each time pressing Borrow will give players €5,000. You can loan up to €500,000, but you will be required to pay a monthly fee for returning the loan with interest over time.
Loaning is a worthy option for players who are planning to buy new lands or even purchase factories to increase their income by turning raw materials into pricey products.
However, buying expensive machinery with loaned money is not a good idea. While these better machines enable players to work faster and maybe complete higher-tier contracts, those machines will not return their value over time without owning multiple big lands.
So, it’s best to invest loaning money into things that can generate a flowing stream of income to pay the debts. Although the monthly fee for the highest loan is around €1,700 per month, the owned lands will also have maintenance costs. Also, the player might have leased machines, which will add up to the monthly debt.
In order to get rid of the high interest of loans, players can pay their debt manually by going to the same Finance menu and hitting Repay. This will pay €5,000 instantly, which will cut from the remaining months to pay the debt.
