AgDirect offers competitive loan and lease options on new farm equipment and used farm equipment. We also refinance farm equipment.
Key Benefits of Financing With AgDirect®
No Matter How You Buy Farm Equipment, AgDirect Can Finance It
Farm Credit Services of America offers AgDirect® equipment financing - available at your equipment dealer, at auctions (traditional or online) and for private party ag equipment purchases.
Along with options to buy, lease or refinance, you'll find attractive rates and the most ag-friendly terms in the business.
Types of Ag Equipment Financing
AgDirect® is an equipment financing program offered by Farm Credit Services of America and other lenders, including participating Farm Credit System Institutions.
Farm Equipment Rates and Terms
- Purchase, lease or refinance
- New or used equipment
- Variable or fixed rates
- Convert from a variable to a fixed rate available at time of conversion with no fee
- Financing terms from 2-7 years on most equipment, up to a 10-year term on pivots*
- Set up delayed payments - up to 15 months*
- No prepayment penalties**
- Pay off your account early with penalty**
*Subject to approval.
**Excludes leases over $500,000.
Farm Equipment Rates
Fixed rates for financing or refinancing farm equipment start at 6.20%!
Additional Benefits
Frequently Asked Questions
The request for financing must be made by an eligible producer or farm-related service business.
AgDirect offers financing on all types of ag equipment, including the purchase and lease of tractors, combines, center pivots, implements, strip till equipment and more sold at a dealership, an auction and by a private seller. We finance all major farm and irrigation system equipment manufacturer brands, including John Deere, Case IH, New Holland, AGCO, Kubota, Reinke, Valley and Zimmatic.
The minimum personal information required to begin the AgDirect application process is your name as shown on your legal ID, age, U.S. citizenship status and minimal eligibility information, depending on what type of applicant you are. If you are a farmer or rancher, you'll need to provide net non-farm income and gross farm income.
For most applications, credit decisions are returned within seconds. Our goal is to process applications in three business hours.
Generally, AgDirect borrowers need to put down 0% to 30% of the purchase price.
Typically, payment plans are set up on standard annual, semiannual, quarterly or monthly frequencies.
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Get Started
Ready to buy ag equipment? AgDirect financing and refinancing is available online for greater convenience and time savings compared to conventional financing.