Financing for all your equipment needs

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Purchase   Refinance   Lease
Ready to apply? Let's get started.

Current Rates

Financed Amount Term Fixed Rate Variable Rate
$200,000+ 2–3 years 6.95% 7.75%
  4 years 6.95% 7.75%
  5 years 6.95% 7.75%
  6–7 years 7.15% 7.75%
$75,000–$199,999 2–3 years 7.30% 8.00%
  4 years 7.30% 8.00%
  5 years 7.30% 8.00%
  6–7 years 7.50% 8.00%
$25,000–$74,999 2–3 years 7.50% 8.25%
  4 years 7.50% 8.25%
  5 years 7.50% 8.25%
  6–7 years 7.70% 8.25%
$5,000–$24,999 2–3 years 7.75% 8.75%
  4 years 7.75% 8.75%
  5 years 7.75% 8.75%
  6–7 years 7.95% 8.75%


Purchase or Refinance

  • New and Used Equipment
  • Minimum Finance Amount: $5,000, may be higher in certain states^
  • Under $10,000: 2 to 5 Year Term Only


  • New and Used Equipment
  • Not Available: Under $10,000
  • Not Available: Variable Rates*

Titled Equipment

  • New and Used Titled Equipment
  • Purchase or Refinance
  • Not Eligible for Leases
  • 2 to 5 year Term Options

Auction and Private Party

Purchase or Refinance

  • Used Machinery and Titled Equipment
  • Sales Price Minimum of $25,000
  • Irrigation Equipment Not Eligible
  • Titled Equipment Not Eligible for Leases


Lock in a low lease payment with AgDirect's special lease residuals.

  • Plus 5 - +5% increase to standard PRO and PUT residuals for qualifying brands and horsepower tractors.

Rates effective July 1-31, 2024. *All rates and terms are subject to credit approval. Free fixed-rate lock for 0 to 45 days. Applications not funded within 45 days of application date are subject to rate change. Contact AgDirect® for rate locks greater than 45 days. ^Minimum finance amount higher for recipients in NM. **Variable rate is based on the Prime Rate plus or minus a fixed spread. This is subject to change as the Prime Rate changes. Variable rate not available for leases. Rates outlined herein are for informational purposes only and may be cancelled or changed at any time without notice. The final rate for each transaction will be set forth in the financing documents signed by the customer.

Rates listed above are for illustrative purposes only to assist in comparing lease payments to the cost of a loan. They are not intended as, and should not be relied on as, tax or accounting advice. Applicants should consult their tax accounting advisors regarding appropriate treatment of any lease transaction.

DOCUMENTATION FEES: The maximum documentation fee (i.e., origination fee, document fee, processing fee, application fee, closing fee, or similar fee) for each transaction shall be the lesser of $300 or the amount allowed under applicable state law. All such fees shall be disclosed on the final financing documents; AgDirect and/or the financing company shall receive up to the first $150 of such fee, and Dealer's share, if any, will equal the remainder of the fee disclosed on the financing documents.

Types of Equipment AgDirect Finances

AgDirect financing is available for all types of equipment used in agriculture.


Row crop tractors
Standard tractors
High Crop tractors
Utility tractors
Other tractors used in agriculture

Harvesters and Harvest Equipment

Forage harvester
Draper head
Corn head
Grain cart
Cotton picker
Other harvesters & harvest equipment used in agriculture


Center pivots
Tillage equipment
Hay and Forage equipment
Skid loaders
Other equipment used in agriculture

The minimum amount that can be financed is $5,000 for a qualifying asset.

No matter how you buy ag equipment, AgDirect® can finance it.

AgDirect® can help you buy, lease or refinance equipment with attractive rates and farmer-friendly financing terms. We’ll help you choose the financing option that is right for you. Next time you need simple, fast and flexible equipment financing, ask for AgDirect.

Watch video to learn more about AgDirect financing all types of ag equipment

Types of Financing

Available for Tractors, Combines, Sprayers and Other Equipment Used in Agriculture.

New Equipment

AgDirect offers highly competitive loan and lease options on new ag equipment. Whether you are looking for a combine or tractor loan, or to finance other farm equipment, we've got you covered.

Learn more >

Used Equipment

No matter how you buy used farm equipment -- through a dealer, auction, or private party -- AgDirect can help finance it, including two to seven year* terms and delayed payments (up to 15 months*).

Learn more >


AgDirect is one of the few lenders that offers refinancing on farm equipment loans. Free up working capital and improve your financial position, especially during periods of low interest rates.

Learn more >

* Subject to approval.

Learning Center

Agriculture is constantly evolving, which is why AgDirect® works to help you make the right decision for your operation when it comes to financing your next tractor, combine or other ag equipment.

AgDirect Territory Managers

Many areas of the country have an assigned Territory Manager who works with ag equipment dealers and ag producers for quoting and selecting the best financing solution. Customers who do not have a Territory Manager in their area are assigned an Inside Sales Representative from our Corporate Office.

Meet our Territory Managers – scroll left/right to view all.
Click to contact us or search to locate a local contact.

  • Dustin G.

    “AgDirect offers some really excellent programs and flexibility.”
    – Dustin G. , Livestock Producer and Part-Owner of Capital Tractor

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  • John and Carla

    AgDirect makes equipment financing easy.
    – John and Carla , Grain & Beef Producers

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  • Jordan S.

    "With AgDirect, financing isn’t one-size-fits-all."
    – Jordan S. , Sales Representative, McRoberts Red Power

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