Apply With AgDirect®

Ready to finance? We make it fast and easy. 

Finance Equipment with Confidence—Anytime, Anywhere.

Apply 24/7 and get a response in just three business hours. With AgDirect®, you’ll access competitive rates and ag-friendly terms for equipment purchases or refinancing—no matter where you buy. Start your application now:

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

1

Purchase or Refinance

  • New and Used Equipment
  • Minimum Finance Amount: $5,000, may be higher in certain states^
  • Under $10,000: 2 to 5 Year Term Only

Lease**

  • New and Used Equipment
  • Not Available: Under $10,000
  • Not Available: Variable Rates***

Titled Equipment

  • New and Used Titled Equipment
  • Purchase or Refinance
  • Not Eligible for Leases
  • 2 to 5 year Term Options
2

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.

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Equipment Payment Calculator

This is an estimate of payments for ag equipment financing. Enter the equipment price, interest rate, terms, payment frequency and amortization type.

Farm Equipment Rates

Fixed rates for financing or refinancing farm equipment start at 6.25%! 

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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No matter how you buy, AgDirect makes it easy to move forward with confidence.