Finances: earn or borrow? | Further steps Farming Simulator 2013 Guide

Last update: 11 May 2016

If you choose to play on normal or hard, you will begin with a debt and will have to pay interest. 100 000 $ of debt will require you to pay 280 $ of interest per day (where you do not pay off the capital - in this case the example 100 000 $ - but only the interest). You can of course try to gather the required money yourself, but it's worth to use the loan option to finance your investments, as the interest isn't really hard.

Head to one of the ATMs, stand in its icon and press the suitable button.

Here you can see the daily interest you have to pay and how much in debt you are. As you can see, 100 000 $ of debt results in only 280 $ of daily interest, so it's really not that much. You can pay off the loan capital here (in installments of 5 000 $) or borrow more money (the limit depends on the difficulty level). It's worth to use the loan!