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Applying with AgDirect online is quick, easy and secure!

Apply 24/7 and get competitive rates and ag-friendly terms for new and used equipment – or to refinance an existing equipment loan.

Let’s get started. It only takes 10 minutes!

Complete our online application and receive a response in three business hours. Here’s how it works:

Tell us about the equipment

What you'll need: Equipment type, make, model, year and seller/current lender

Tell us about the loan

What you'll need: Total sale price or amount to refinance, repayment terms, payment schedule and first payment date

Tell us about you

What you’ll need: First/Last Name, date of birth, TIN, marital status, address, email, phone, gross farm income, net non-farm income

Refinance or apply for financing online. Let’s get started.


Call the AgDirect Finance Team at 888-525-9805.

*Farm Credit System debit is ineligible

Current Rates

Financed Amount Term Fixed Rate Variable Rate
$200,000+ 2–3 years 7.05% 7.75%
  4 years 7.05% 7.75%
  5 years 7.05% 7.75%
  6–7 years 7.25% 7.75%
$75,000–$199,999 2–3 years 7.35% 8.00%
  4 years 7.35% 8.00%
  5 years 7.35% 8.00%
  6–7 years 7.45% 8.00%
$25,000–$74,999 2–3 years 7.55% 8.25%
  4 years 7.55% 8.25%
  5 years 7.55% 8.25%
  6–7 years 7.65% 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 7.85% 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


Save 0.35% off AgDirect's standard lease rates till yearend.

  • Just Lease It for new and used equipment - FPO and PRO leases (minimum $25,000 required).

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

  • Harvest It Program for Combines - PRO and PUT residuals on new and up to 10-year-old (2013 or newer) combines.
  • Harvest It Program for Grain Carts - lease residuals on new (current or prior model year only; never retailed) and used grain carts.
  • Load It Program for New Loaders - FPO, PRO and PUT residuals on new wheel loaders, skid steers, telehandlers and rough terrain and shooting boom lift trucks for non-corrosive use.*
  • Load It Program for Used Loaders - FPO, PRO and PUT residuals on new wheel loaders, skid steers, telehandlers and rough terrain and shooting boom lift trucks for non-corrosive use.*
Download Special Programs

Rates effective December 1-31, 2023. *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.

  • Al and Ty

    "There’s just an endless amount of options."
    – Al and Ty , Drago and Horsch Dealers

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  • Heath and Kasey

    "I’ve been very satisfied to this date with what AgDirect has been able to provide me."
    – Heath and Kasey , Corn, Soybeans and Wheat Producers

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  • John L.

    "AgDirect has helped us grow our business."
    – John L. , Fertilizer and Seed Sales and Trucking Services

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