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/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

Ready to apply? Click Purchase, Refinance or Lease to get started.


Questions?

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



*Farm Credit System debit is ineligible


Rates

At Dealership Rates

Purchase or Refinance
New & Used Equipment
Under $10k, 2 to 5 year term only

 

Lease
New & Used Equipment
Not available: Under $10K
Not available: Variable rates*
Under $10k, 2 to 5 year term only

 

Titled Equipment
New & Used Titled Equipment
Purchase or Refinance
Not eligible for leases
2 to 5 year term options

Scroll left to view the rest of the table.
2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$200,000+
Fixed Rate 5.49% 5.59% 5.59% 5.79%
Variable Rate* 3.25% 3.25% 3.25% 3.25%
Financed Amount:
$75,000-$199,999
Fixed Rate 5.59% 5.69% 5.69% 5.89%
Variable Rate* 3.50% 3.50% 3.50% 3.50%
Financed Amount:
$25,000-$74,999
Fixed Rate 5.69% 5.79% 5.79% 5.99%
Variable Rate* 3.75% 3.75% 3.75% 3.75%
Financed Amount:
$5,000-$24,999
Fixed Rate 5.79% 5.99% 5.99% 6.29%
Variable Rate* 4.25% 4.25% 4.25% 4.25%



Rates effective May 06-31, 2022. *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. **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 or Farm Credit Leasing Services Corporation (“FCL”) lease documents; AgDirect/Financing Company shall receive up to the first $300 of such fee, and Dealer's share, if any, will equal the remainder of the fee disclosed on the AgDirect financing documents or FCL lease documents.

Auction Rates

Purchase or Refinance
Used Machinery and Titled Equipment
Sales price minimum of $25,000.
Irrigation equipment not eligible.
Titled equipment is not eligible for leases.

Scroll left to view the rest of the table.
2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$200,000+
Fixed 5.49% 5.59% 5.59% 5.79%
Variable 3.25% 3.25% 3.25% 3.25%
Financed Amount:
$75,000-$199,999
Fixed 5.59% 5.69% 5.69% 5.89%
Variable 3.50% 3.50% 3.50% 3.50%
Financed Amount:
$25,000-$74,999
Fixed 5.69% 5.79% 5.79% 5.99%
Variable 3.75% 3.75% 3.75% 3.75%

Rates effective May 06-31, 2022. *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. **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 or Farm Credit Leasing Services Corporation (“FCL”) lease documents; AgDirect/Financing Company shall receive up to the first $300 of such fee, and Dealer's share, if any, will equal the remainder of the fee disclosed on the AgDirect financing documents or FCL lease documents.

Private Party Rates

Purchase or Refinance
Used Machinery and Titled Equipment
Sales price minimum of $25,000.
Irrigation equipment not eligible.
Titled equipment is not eligible for leases.

Scroll left to view the rest of the table.
2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$200,000+
Fixed 5.49% 5.59% 5.59% 5.79%
Variable 3.25% 3.25% 3.25% 3.25%
Financed Amount:
$75,000-$199,999
Fixed 5.59% 5.69% 5.69% 5.89%
Variable 3.50% 3.50% 3.50% 3.50%
Financed Amount:
$25,000-$74,999
Fixed 5.69% 5.79% 5.79% 5.99%
Variable 3.75% 3.75% 3.75% 3.75%

Rates effective May 06-31, 2022. *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. **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 or Farm Credit Leasing Services Corporation (“FCL”) lease documents; AgDirect/Financing Company shall receive up to the first $300 of such fee, and Dealer's share, if any, will equal the remainder of the fee disclosed on the AgDirect financing documents or FCL lease documents.

Special Rates Programs

Lock in a low lease payment with AgDirect’s special lease residuals for a limited-time only.

  • Plant It: FPO, PRO and PUT residuals on new and used planters, drills, air seeders, air carts and toolbars.
  • Combine It - PRO and PUT residuals on new and late-model-used (2017 or newer) combines.
  • Spray It!: PRO and PUT residuals on low hour used sprayers (no floaters).

Click the Download PDF button below to view the details.

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 or Farm Credit Leasing Services Corporation (“FCL”) lease documents; AgDirect/Financing Company shall receive up to the first $300 of such fee, and Dealer's share, if any, will equal the remainder of the fee disclosed on the AgDirect financing documents or FCL lease documents.

  • Ben M.

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

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  • Dustin G.

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

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  • Mike S.

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

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