We offer highly competitive finance and lease options on new ag equipment. Whether you are looking for a combine or tractor loan, or to finance other farm equipment, we've got you covered.
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Your Local Contact
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Rates
Get the equipment you need with competitive financing rates designed to keep your farm growing. Affordable and flexible, our financing options make it easier to invest in your operation with confidence.
Rates Based on Financed Amount
| Term | Fixed Rate | Variable Rate |
|---|---|---|
| 2 - 3 years | 6.25% | 6.75% |
| 4 years | 6.25% | 6.75% |
| 5 years | 6.25% | 6.75% |
| 6 - 7 years | 6.45% | 6.75% |
| Term | Fixed Rate | Variable Rate |
|---|---|---|
| 2 - 3 years | 6.50% | 6.75% |
| 4 years | 6.50% | 6.75% |
| 5 years | 6.50% | 6.75% |
| 6 - 7 years | 6.75% | 6.75% |
| Term | Fixed Rate | Variable Rate |
|---|---|---|
| 2 - 3 years | 6.75% | 6.75% |
| 4 years | 6.75% | 6.75% |
| 5 years | 6.75% | 6.75% |
| 6 - 7 years | 6.95% | 6.75% |
| Term | Fixed Rate | Variable Rate |
|---|---|---|
| 2 - 3 years | 7.25% | 6.75% |
| 4 years | 7.25% | 6.75% |
| 5 years | 7.25% | 6.75% |
| 6 - 7 years | 7.45% | 6.75% |
Equipment Financing Requirements
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Purchase or Refinance
- Used Machinery and Titled Equipment
- Sales Price Minimum of $25,000
- Irrigation Equipment Not Eligible
- Titled Equipment Not Eligible for Leases
Rates effective August 01-31, 2025. *All rates and terms are subject to credit approval. Free fixed-rate lock for 0 to 45 days. Applications not funded within 45 days of application date are subject to rate change. Contact AgDirect® for rate locks greater than 45 days. Rates outlined herein are for informational purposes only and may be canceled or changed at any time without notice. The final rate for each transaction will be set forth in the financing documents signed by the customer. ^Minimum finance amount higher for recipients in NM. **Rates outlined herein are for illustrative purposes only to assist in comparing lease payments to the cost of a loan. They are not intended as, and should not be relied on as, tax or accounting advice. Applicants should consult their tax accounting advisors regarding appropriate treatment of any lease transaction. ***Variable rate is based on the Prime Rate plus or minus a fixed spread. This is subject to change as the Prime Rate changes. Variable rate not available for leases. DOCUMENTATION FEES: The maximum documentation fee (i.e., origination fee, document fee, processing fee, application fee, closing fee, or similar fee) for each transaction shall be the lesser of $300 or the amount allowed under applicable state law. All such fees shall be disclosed on the final financing documents; AgDirect and/or the financing company shall receive up to the first $150 of such fee, and Dealer's share, if any, will equal the remainder of the fee disclosed on the financing documents.
Calculator
Easily estimate your farm equipment payments with our simple online calculator - plan with confidence and clarity.
Types of Equipment AgDirect Finances
AgDirect financing is available for all types of equipment used in agriculture. To view a full list of equipment types and brands, visit the Equipment We Finance page.
Why Choose AgDirect?
No matter how you buy your agricultural equipment, AgDirect offers flexible financing solutions. Whether you need to buy, lease, or refinance, we provide attractive rates and farmer-friendly terms. Let us help you choose the right financing option for your needs. For simple, fast, and flexible equipment financing, choose AgDirect.
Our Competitive Advantage
- Competitive Rates: AgDirect offers both fixed and variable rates that are highly competitive, ensuring you get the best deal for your financing needs.
- Flexible Terms: With terms ranging from 2 to 7 years on most equipment and up to 10 years on pivots*, AgDirect provides flexibility to match your financial situation.
- Low Down Payments: You can benefit from as low as $0 down*, making it easier to get the equipment you need without a significant upfront cost.
- Streamlined Process: The financing process is designed to be simple and efficient, with an easy online application and electronic signatures.
- Knowledgeable Service: AgDirect's team is known for their knowledgeable, friendly, and responsive service, ensuring you receive the best support throughout the financing process.
*Subject to approval
How to Apply
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Most credit decisions are returned within hours — often while you're still at the dealership or on the same business day.
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Once you've selected your equipment (or won an auction bid), provide purchase details or invoice to AgDirect.
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AgDirect or your dealer will provide all necessary financing documents for your review and signature.
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Simply sign and return the documents electronically or in person.
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Once documents are complete, funds are disbursed and your financing is finalized.
Your Local Contact
Many areas of the country have an assigned Territory Manager who works with ag equipment dealers and ag producers for quoting and selecting the best financing solution. Customers who do not have a Territory Manager in their area are assigned an Inside Sales Officer from our corporate office.
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Farm Equipment Rates
Fixed rates for financing or refinancing farm equipment start at 6.25%!
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No matter how you buy, AgDirect makes it easy to move forward with confidence.