Rates

At Dealership Rates

Standard
New & Used Equipment
Buy or Refinance

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2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$75,000+
Fixed Rate 3.99% 3.99% 3.99% 4.24%
Variable Rate 3.99% 3.99% 3.99% 3.99%
Financed Amount:
$25,000-$74,999
Fixed Rate 4.49% 4.49% 4.49% 4.99%
Variable Rate 3.99% 3.99% 3.99% 3.99%
Financed Amount:
$10,000-$24,999
Fixed Rate 5.24% 5.24% 5.24% 5.74%
Variable Rate 4.24% 4.24% 4.24% 4.24%
Financed Amount:
$5,000-$9,999
Fixed Rate 7.24% 7.24% 7.24% ----
Variable Rate 6.24% 6.24% 6.24% ----

Leases
New & Used Equipment
That Doesn't Qualify for JUST LEASE IT!

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2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$75,000+
Fixed Rate 3.99% 3.99% 3.99% 4.24%
Financed Amount:
$25,000-$74,999
Fixed Rate 4.49% 4.49% 4.49% 4.99%
Financed Amount:
$10,000-$24,999
Fixed Rate 5.24% 5.24% 5.24% 5.74%

Titled Equipment
New & Used Equipment
Buy or Refinance

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2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$75,000+
Fixed Rate 3.99% 3.99% 3.99% ----
Variable Rate 3.99% 3.99% 3.99% ----
Financed Amount:
$25,000-$74,999
Fixed Rate 4.49% 4.49% 4.49% ----
Variable Rate 3.99% 3.99% 3.99% ----
Financed Amount:
$10,000-$24,999
Fixed Rate 5.24% 5.24% 5.24% ----
Variable Rate 4.24% 4.24% 4.24% ----
Financed Amount:
$5,000-$9,999
Fixed Rate 7.24% 7.24% 7.24% ----
Variable Rate 6.24% 6.24% 6.24% ----

Rates effective November 01-30, 2019. *All rates and terms are subject to credit approval. Free 45-day rate commitment on all terms. **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.
AgDirect® reserves all rights to cancel or change rates and terms at any time and without notice. Rates outlined herein are for informational purposes only. The final rate for each transaction will be set forth in the financing documents signed by the customer.
DOCUMENTATION FEES: The maximum documentation fee (i.e., origination fee, document fee, processing fee, application fee, closing fee, or similar fee) for each AgDirect transaction shall be the lesser of $300 or the amount allowed under applicable state law. All such fees for an AgDirect transaction shall be disclosed on the AgDirect financing documents; AgDirect/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 AgDirect financing documents.

Auction Rates

Standard
New & Used Equipment
Buy

Sales price minimum of $25,000. Minimum of 20% down payment required.
Titled equipment is not eligible for leases.
Irrigation equipment not eligible.

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2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$75,000+
Fixed 3.99% 3.99% 3.99% ----
Variable 3.99% 3.99% 3.99% ----
Financed Amount:
$25,000-$74,999
Fixed 4.49% 4.49% 4.49% ----
Variable 3.99% 3.99% 3.99% ----

Titled Equipment
New & Used Equipment
Buy

Sales price minimum of $25,000. Minimum of 20% down payment required.
Titled equipment is not eligible for leases.

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2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$75,000+
Fixed 3.99% 3.99% 3.99% ----
Variable 3.99% 3.99% 3.99% ----
Financed Amount:
$25,000-$74,999
Fixed 4.49% 4.49% 4.49% ----
Variable 3.99% 3.99% 3.99% ----

Rates effective November 01-30, 2019. *All rates and terms are subject to credit approval. Free 45-day rate commitment on all terms. **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.
AgDirect® reserves all rights to cancel or change rates and terms at any time and without notice. Rates outlined herein are for informational purposes only. The final rate for each transaction will be set forth in the financing documents signed by the customer.
DOCUMENTATION FEES: The maximum documentation fee (i.e., origination fee, document fee, processing fee, application fee, closing fee, or similar fee) for each AgDirect transaction shall be the lesser of $300 or the amount allowed under applicable state law. All such fees for an AgDirect transaction shall be disclosed on the AgDirect financing documents; AgDirect/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 AgDirect financing documents.

Private Party Rates

Standard
New & Used Equipment
Buy

Sales price minimum of $25,000. Minimum of 20% down payment required.
Titled equipment is not eligible for leases.
Irrigation equipment not eligible.

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2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$75,000+
Fixed 3.99% 3.99% 3.99% ----
Variable 3.99% 3.99% 3.99% ----
Financed Amount:
$25,000-$74,999
Fixed 4.49% 4.49% 4.49% ----
Variable 3.99% 3.99% 3.99% ----

Titled Equipment
New & Used Equipment
Buy

Sales price minimum of $25,000. Minimum of 20% down payment required.
Titled equipment is not eligible for leases.

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2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$75,000+
Fixed 3.99% 3.99% 3.99% ----
Variable 3.99% 3.99% 3.99% ----
Financed Amount:
$25,000-$74,999
Fixed 4.49% 4.49% 4.49% ----
Variable 3.99% 3.99% 3.99% ----

Rates effective November 01-30, 2019. *All rates and terms are subject to credit approval. Free 45-day rate commitment on all terms. **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.
AgDirect® reserves all rights to cancel or change rates and terms at any time and without notice. Rates outlined herein are for informational purposes only. The final rate for each transaction will be set forth in the financing documents signed by the customer.
DOCUMENTATION FEES: The maximum documentation fee (i.e., origination fee, document fee, processing fee, application fee, closing fee, or similar fee) for each AgDirect transaction shall be the lesser of $300 or the amount allowed under applicable state law. All such fees for an AgDirect transaction shall be disclosed on the AgDirect financing documents; AgDirect/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 AgDirect financing documents.

Special Rates Programs

Just Lease It Rates
New Equipment Only
Lease

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2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$75,000+
Fixed Rate 3.79% 3.79% 3.79% 4.04%
Financed Amount:
$25,000-$74,999
Fixed Rate 4.29% 4.29% 4.29% 4.79%
Financed Amount:
$10,000-$24,999
Fixed Rate 5.04% 5.04% 5.04% 5.54%
NEW Farm equipment, machinery and irrigation placed in service in 2019
  • Current and prior model year only
  • Residual 15% and above (FPO & PRO only)
  • Not available for titled equipment
  • Not available for cooperatives

Rates effective November 01-30, 2019. All rates and terms are subject to credit approval. Free 45-day rate commitment on all terms.
AgDirect reserves all rights to cancel or change rates and terms at any time and without notice.
DOCUMENTATION FEES: The maximum documentation fee (i.e., origination fee, document fee, processing fee, application fee, closing fee, or similar fee) for each AgDirect transaction shall be the lesser of $300 or the amount allowed under applicable state law. All such fees for an AgDirect transaction shall be disclosed on the AgDirect financing documents; AgDirect/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 AgDirect financing documents.

Types of Financing

At Dealership

Purchase, lease and refinance options available on new and used equipment sold through farm equipment dealers – with 2-7 years* (up to 10-year term* on pivots). Easy application and quick credit decisions.

Learn More >

Auction

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

Learn More >

Private Party

Purchase and lease options available on equipment sold through private party transactions – minimum purchase price of $25,000 (before down payment). Ag-friendly terms.

Learn More >

* Subject to approval.

  • Ben Moye

    “I teamed up with AgDirect because they understood my goals and fit my financing needs.”
    – Ben Moye , Grain Producer

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    “AgDirect offers some really excellent programs and flexibility.”
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  • Mike Sulas

    “AgDirect offers competitive interest rates, good terms and a painless application process.”
    – Mike Sulas , Logger

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