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Equipment Leasing Made Easy.

AgDirect® offers flexible lease structures designed for agriculture, providing options that can help manage your cash flow, support your operation's growth, and maximize tax advantages.

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Why Lease with AgDirect®?

Leasing through AgDirect isn’t just about acquiring equipment—it’s about gaining financial flexibility, staying current with technology, and making smart decisions for your operation. Here’s how leasing can work to your advantage.

Competitive Tax Benefits

Typically lease payments are 100% deductible on your taxes, as long as your lease meets IRS qualifications.

Lower Upfront Costs

Most leases require only the first payment at close; there's no down payment.

Stay Current on Equipment

Keep your farm machinery and technology up to date while potentially reducing maintenance costs.

Capture True Cost Per Hour

Leasing provides predictable costs with equal payments throughout the lease term. Depreciation does not vary from year to year.

What Farm Machinery Can I Lease with AgDirect?

Whether you want to lease new or used farm equipment, AgDirect offers options for nearly every type of equipment utilized in agriculture—whether you're leasing from a dealership, at auction, through a private sale or refinancing. 

Agricultural Equipment
Tractors, combines, planters, sprayers, skid loaders, pivots and everything in between.

All Brands 
John Deere, New Holland, Valley, Case IH and many more.

New and Used 
Take advantage of competitive rates and flexible payment options for both new and used equipment.

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The minimum amount that can be leased is $10,000 for a qualifying asset.

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Get Started with Farm Equipment Leasing

Ready to explore your leasing options? Complete the form and one of our AgDirect specialists will be in touch to help guide you through the next steps.

Farm Equipment Lease Structures

FPO icon
Fixed Purchase (FPO) True Lease Structure  

This lease option allows you to write off lease payments as an operating expense, rather than a depreciating asset. At lease termination, you’ll have the option to purchase at a fixed amount stated upfront or return the equipment. 

Key benefits: Deduct your lease payments from taxable income.  

PRO icon
Purchase or Renew Only (PRO) True Lease Structure 

A PRO lease option will allow you to write off lease payments as an operating expense, rather than depreciating the asset. At lease termination, you can either purchase the equipment at a fixed amount stated upfront or renew your lease; there is no option to surrender the equipment. 

Key benefits: Higher residuals, lower payments and better cash flow. 

PUT icon
Purchase Upon Termination (PUT) Conditional Sale Lease Structure 

A conditional sale lease has the same tax treatment as a loan. You’ll take depreciation just like a loan, rather than writing off the lease payment. At lease termination, you'll purchase the equipment at a fixed amount stated upfront. 

Key benefits: Lessee takes depreciation and Section 179 benefits; higher residuals, lower payments and better cash flow. 

dollar sign icon
$1 Buyout Conditional Sale Lease Structure 

With this type of conditional sale lease, monthly payments are higher when compared to a traditional lease. At lease termination, ownership of the equipment is transferred to you. 

Key benefits: 100% financing, take depreciation and/or Section 179 write-off. 

Purchase Leaseback (PLB)

Lease equipment you have already paid cash or taken out a loan for with a Purchase Leaseback (PLB), you can replenish working capital and increase tax deductions. The equipment is bought from you and then leased back to you, or your current loan is paid off and the equity is applied to the lease. A PLB can also be used to refinance manufacturer leases or loans at the end of an interest-free waiver.

Key benefits: Replenish working capital; increase tax deductions; refinance manufacturer leases or loans.

Farm Equipment Leasing FAQs

1

With an AgDirect lease, there is no early termination fee to trade in equipment or pay off your lease early as long as the payoff is under $500,000. In addition, your trade equity may be applied toward the first payment on your new lease.  
2

All leases have end-of-lease purchase options listed on the lease agreement. One of our purchase options is called a fixed purchase option (FPO). With an FPO, you may trade in at any time. Or, at the end of the lease, you may purchase the equipment for the residual amount stated upfront or return the equipment to us.  
  
The most popular purchase option is called a purchase or renew option (PRO). With a PRO, you may trade in at any time. Or, at the end of the lease, you may purchase the equipment for the residual amount stated upfront or renew the lease (no walk away option).  
3

Yes — if you have acquired the equipment in the current calendar year, then a purchase leaseback may be an option. A purchase leaseback is a good way to replenish working capital and increase tax deductions while taking advantage of a low AgDirect lease rate. With a purchase leaseback, AgDirect will write a lease on your equipment and reimburse you the cash you originally paid for the equipment or will pay off your current loan or lease and apply the equity toward your new lease.  
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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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Farm Equipment Resources & Trends

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