Private Party Financing

Why Use AgDirect_® for Private Sales

Whether you're buying equipment from a neighbor, another producer, or through an online marketplace, AgDirect_® offers flexible financing that helps you secure the equipment you need—without going through a dealership. With pre-sale credit decisions and competitive rates, you can move forward confidently, knowing your financing is ready when you are.

Pre-Sale Credit Decisions

Apply before you finalize your purchase—pre-sale credit decisions let you lock your rate for 45 days, so you can negotiate confidently knowing how much you can spend.

Fast, Streamlined Process

Apply online with a simple application and use electronic signatures to keep paperwork to a minimum.

Low Rates & Flexible Terms

Get low rates and payment schedules that match your cash flow. Choose monthly, quarterly, semiannual or annual payments.

What Farm Machinery Can I Finance Through a Private Party with AgDirect?

Whether you're purchasing new or used equipment, AgDirect offers financing options for nearly every type of agricultural equipment.

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

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

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

See Equipment We Finance

Auction and private party purchases require a minimum purchase price of $25,000 (before down payment).

How to Apply for Private Party Financing

1

Start by applying online, contacting AgDirect directly at 888-525-9805, or working with a participating Farm Credit office. You’ll need to provide:

A copy of a valid, unexpired driver’s license for all applicants
Basic information about the equipment and seller
Your preferred payment schedule and financing terms

This step sets the foundation for a smooth and timely approval process.

2

Once your application is submitted, AgDirect aims to return a credit decision within just a few hours. If approved, your rate can be locked in for up to 45 days—giving you time to finalize the sale with confidence.

3

Work directly with the seller to agree on the sale terms. You’ll need to collect:

A signed bill of sale or invoice that includes:
Buyer and seller names
Date of sale
Sale price
Full equipment description (year, make, model, and serial number)
Seller’s full name and address
Funding instructions (who should receive the funds and where)

AgDirect will also conduct a lien search to ensure the equipment is free of encumbrances or to prepare for lien resolution if needed.

4

Submit the finalized bill of sale and any creditor information. If a lien is found:

A UCC-3 form will be prepared and signed by the creditor if a blanket lien exists
If an asset-specific lien is identified, AgDirect will issue funds directly to the creditor and seller

This ensures AgDirect can secure a first lien position on the equipment.

5

AgDirect will generate your loan documents. You’ll review, sign, and return all originals. This includes:

Loan agreement
Lien release forms (if applicable)
Any additional documentation required for your specific transaction

Electronic signatures may be used to streamline the process.

6

Once all signed documents and lien releases are received and verified, AgDirect will disburse funds according to the approved funding instructions. You’re now ready to take ownership of your equipment and put it to work.

Purchase

Refinance

Lease