• Our offices are closed Wednesday, June 19 in observance of Juneteenth Independence Day. No electronic transactions are processed on the holiday.

AgDirect® Equipment Financing

Simple, fast and flexible financing powered by Farm Credit.

Key Benefits of Financing With AgDirect®

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Competitive Rates and Terms

Fixed and variable rates with terms from 2 to 7 years - up to 10 years on pivots.* 

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Financing Options

Finance equipment purchased from a dealer, auction or private seller. Customized loans, leases and refinancing options.

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Customer Service

Speak to a real person rather than an automated prompt when you call during business hours.

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Easy Applications

Request financing at the dealership or apply online in less than 10 minutes. For most applications, a credit decision is returned in seconds.

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

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At Dealership

Purchase, lease and refinance options available on new and used ag equipment sold through farm equipment dealers.

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Private Party

Purchase and lease options available on farm equipment sold through private party transactions — minimum purchase price of $25,000 (before down payment). 

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Auction

Purchase and lease options with pre-sale credit decisions available on farm equipment sold through auctions — minimum purchase price of $25,000 (before down payment).

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 6.95%!

Additional Benefits

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Finance with Confidence

With AgDirect you can be confident you got the best deal. Our financing works with an equipment manufacturer cash discount. Take advantage of the cash discount offered by the manufacturer with an attractive AgDirect rate.

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Industry Expertise

We understand agriculture. This means we can offer you with a more personalized experience and understanding of market cycles.

Frequently Asked Questions

AgDirect offers competitive loan and lease options on new farm equipment and used farm equipment. We also refinance farm equipment.

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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Our Line of Credit Can Help You Save Money.

Along with competitive interest rates and highly flexible terms, you can save interest. Plus, get cash-back dividends and cash-back rewards, too.

Get Started

Ready to buy ag equipment? AgDirect financing and refinancing is available online for greater convenience and time savings compared to conventional financing.