Apply online at AgDirect.com, through the AgDirect Mobile app, or by contacting our Inside Sales team or a participating Farm Credit office. You’ll need:
- Basic equipment and loan details
- Your preferred payment schedule and terms
Your local contact
Your Local Contact
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Try a different location Contact us for assistanceWhy Refinance with AgDirect®?
Whether you're looking to reduce your interest rate, extend your payment terms, or free up working capital, AgDirect® offers refinancing options designed to strengthen your financial position. With competitive rates, flexible terms, and a streamlined process, refinancing with AgDirect is a smart move for your operation.
What Equipment Can I Refinance with AgDirect?
AgDirect offers refinancing for a wide range of new and used agricultural equipment, regardless of where it was originally purchased.
Tractors
Row crop, utility, high crop, standard and more.
Harvest Equipment
Combines, forage harvesters, grain carts, cotton pickers, windrowers and more.
Other Ag Equipment
Planters, sprayers, pivots*, tillage tools, hay and forage equipment, skid loaders.
All Major Brands
John Deere, Case IH, New Holland, AGCO, Kubota, Reinke, Valley, Zimmatic and more.
Minimum refinance amount: $5,000 for qualifying assets.
*Minimum of $75,000
How to Refinance with AgDirect
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Most applications are reviewed within hours. If approved, you’ll need to supply payoff information and work with the lender on subordinations and lien releases. AgDirect will coordinate the payoff with your current lender.
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Review and sign your loan documents electronically. AgDirect handles the rest!
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Once finalized, your new loan terms go into effect—helping you save money and improve your cash flow.
Refinancing FAQs
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Refinancing can help you lower your interest rate, extend your terms, and free up working capital—especially if your current rate is higher than what AgDirect offers.
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AgDirect refinances loans for all types of ag equipment, including purchases made through dealers, auctions, or private parties. Farm Credit System debt is not eligible.
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The application takes less than 10 minutes. If you sign electronically, the process can be completed quickly—often without dealer involvement.
"Refinancing with AgDirect gave me the flexibility I needed to manage my cash flow and invest in my operation.
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Farm Equipment Rates
Fixed rates for financing or refinancing farm equipment start at 6.25%!
Farm Equipment Resources & Trends
Ready to Get Started?
No matter how you buy, AgDirect makes it easy to move forward with confidence.