How To Get Unlimited Money In Farming Simulator 19

Borrowing Money in FS19

I have a very simple question as a beginner: is it wise to borrow money in FS19? I've finally been profitable enough to buy a couple fields beyond the starting fields, but I'm unsure if I should grind it out and continue to grow "naturally" through harvesting and selling, or whether it makes sense to borrow money to buy another field, and thereby scale up my operation quicker.

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level 1

The interest rate is really low so don't be afraid to take a loan. If you buy a field, you can always sell it and get the exact money back.

level 2

Yeah, it's worth it. I'm about 450K in the hole, and my daily interest payments are 2,500 :).

level 1

I see no problem with loans. I consider it a natural part of the progression and is not far from realistic IMHO.

In my most recent play through I sold all the starter equipment, maxed the loan, bought an additional field, remaxed the loan (borrowable amount increases with the increase in collateral/land you have), then wash/rinse/repeat with soybeans until the loan was paid off. Took about 6 or 7 in game days to get to black. Admittedly I'm on all easy settings.

level 1

Buy as much land as you can farm with as much money as they will give you

level 1

Borrow, buy the land/equipment you feel you need, grow whatever that gives you most profit on your field with the equipment you own, and then repay. I have now 8 fields with soya beans, with fertilizing it gives me about 90k L each day, so i fill the two first train carts every 3 day (210K L) and sells it. usually a profit around 450-600K$

Now starting to think about my next step, stil not sure if im going cotton or sugar beats.

level 1

I personally try to stay away from them. You're going to have to grind even after you take a loan out. Not only that, but when you take a loan out, then you gay paid, it's hard to pay off your loan right then and there. Eventually you'll pay it off, but then you'll get caught in the same team again soon enough.

I just try to stay away from them if I can help it.

level 2

Same becomes endless loan loop. I pay off 200k then realize my farm will be 5% more effienct if I upgrade my equipment. I spend the 200k then pay it off get a new 200k loan.

level 1

Go for it if you are not bothered by being in debt. Its so cheap and as you buy more fields you can borrow more. Does break progression a bit

level 1

If you pay it back before midnight it doesn't charge you interest. It won't let you borrow too much at time. It's based on how much property you already own.

level 1

I usually max or near max loans. I figure it'll give me enough increase in efficiency to outweigh the amount I'll pay in interest.

Depends on how you spend it I suppose. If you use it to buy bigger equipment than you need, it might not help as much as buying more land to farm or more animals to tend to.

level 1

I constantly stay in debt but my farm advanced pretty quickly because of it imo. I'm pretty much at end game with 1,000,000 in debt right now and after two days of harvests I can pay the bulk of that off. Just gotta make sure you have enough money left over for unforeseen expenses. (I try to keep 100k minimum unless I carefully crafted my next move)

level 1

I simply buy some fields, rent one of the biggest harvesters, rent a tractor + big trailer and another tractor with a seeder (with direct seeding ability)

This in combination with high soja-beans prices makes this really profitable

level 1

My loan is still maxed out at 3 mil; the loan cap floor is at 500k but otherwise is 80% of your property and building values. I found the interest rate is low enough, that maxing the loan to upgrade equipment and buy fields to increase production capacity is well worth it.