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AgDirect provides financing for a wide range of agricultural equipment, but there are certain types of equipment and purchases that do not qualify for financing. These include equipment with a total cost under $5,000 (before any down payment), as well as items intended for consumer use rather than agricultural purposes.

Some examples of ineligible equipment include sawmill machinery, grain bins and dryers, buildings (including structures not used for farming or agricultural purposes), hoop or pole barns, and stationary manure tankers. Additionally, financing is not available for robotic milking equipment, cranberry freezers, or vehicles such as pickups, SUVs, cars, ATVs, and UTVs.

Other items that are ineligible for financing through AgDirect include airplanes, portable corrals, horse trailers with living quarters, riding lawn mowers, push snow blowers, drip tape irrigation systems, and drones.

If you’re unsure whether your equipment qualifies, we recommend contacting AgDirect directly to discuss your specific situation.

Whether you purchase through a dealer, private party or at an auction, AgDirect offers attractive fixed and variable interest rates. Rates and available terms vary by equipment type and amount financed. See current rates.

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).

It's common for a buyer to use a manufacturer's financing program at the time of the sale, then refinance with another source when it benefits them. Along with highly competitive rates, AgDirect delivers exceptional terms for refinancing higher interest loans or loans coming off 0% interest waivers. Farm Credit System debit is ineligible for AgDirect refinancing.

Start by comparing your potential savings using AgDirect's easy-to-use farm equipment loan payment calculator.