At Dealership Financing

AgDirect® offers highly competitive options for those who purchase, lease or refinance farm equipment through a dealer. Along with attractive rates, we offer exceptionally flexible terms that match the income stream of farmers and ranchers.

Our financing process is simple and eliminates the need for added trips or calls – everything can be completed right at the dealership.

Here’s how it works:

Ask your equipment dealer for AgDirect financing.

Dealer completes and submits your application.

Credit decision is returned to dealer, usually while you are still at the dealership.

Dealer provides financing documents, usually the same business day.

You simply review, sign and return all documents to your dealer.

Funds are disbursed.

Equipment financing for today’s agriculture.

We are dedicated to agriculture – it’s all we do. That’s why we offer a variety of financing options to fit your financing needs.

  • Buy, lease or refinance
  • New or used equipment
  • Variable or fixed rates
  • Financing terms from 2-7 years on most equipment*
  • Up to a 10-year term on pivots*
  • Delayed payments – up to one year*
  • No prepayment penalties*
  • Simple application
  • Quick credit decisions

* Subject to approval.

At Dealership Rates

Over $75K
New & Used Equipment
Buy, Lease or Refinance

Not available for titled equipment.

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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% 4.49%
Variable Rate 2.75% 2.75% 2.75% 2.75%

Standard
New & Used Equipment
Buy, Lease or Refinance

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2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$10,000-$74,999
Fixed Rate 4.29% 4.29% 4.29% 4.79%
Variable Rate 2.75% 2.75% 2.75% 2.75%
Financed Amount:
$5,000-$9,999
Fixed Rate 6.29% 6.29% 6.29% ----
Variable Rate 4.75% 4.75% 4.75% ----

Titled Equipment
New & Used Equipment
Buy or Refinance

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2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$10,000+
Fixed Rate 4.79% 4.79% 4.79% ----
Variable Rate 3.25% 3.25% 3.25% ----
Financed Amount:
$5,000-$9,999
Fixed Rate 6.79% 6.79% 6.79% ----
Variable Rate 5.25% 5.25% 5.25% ----

Rates effective December 01-31, 2016. All rates and terms are subject to credit approval. Free 45-day rate commitment on all terms. Variable rates are calculated using the Prime Rate plus or minus a fixed spread. Those rates are 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. Titled equipment is not eligible for leases.

At Dealership Financing Requirements

The following information is required for the dealership to complete your application and generate your documents:

  • Serial number
  • Purchase order (irrigation and refinance line of credit)
  • Legal description and owner of property (irrigation only)
  • Pay-off information (refinance only)
  • Title (front)
  • Complete contact information and tax identification number for all applicants
  • Copy of the most recent, unexpired driver’s license for all applicants

Prior to release of funds to the dealership:

  • Signed documents faxed back to AgDirect – with all signatures and dates complete and all pages included.
  • Copy of first payment (lease only).
  • Back of title showing proper transfer of ownership and correct lien holder.

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 ag equipment.

  • Chad and Amy Haeg

    “AgDirect is simple and flexible.”
    – Chad and Amy Haeg , Small Grain, Lentil and Bluegrass Growers

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  • Cliff Shudak

    “Their people understand the purchases, and they’re very good to work with.”
    – Cliff Shudak , Grain and Beef producer

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  • Dave Zimmerman

    “I’ve never received such speed and ease of financing.”
    – Dave Zimmerman , Grain and Beef Producer, Custom Seed Corn Harvester and Custom Sprayer

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  • Gerry Wiese

    “Bottom line, AgDirect is a business decision.”
    – Gerry Wiese , Grain and Pork Producer

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  • Jacky Pace

    “It comes down to people.”
    – Jacky Pace , Seed Corn and Grain Grower

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  • Jennifer Gottschalk

    “Having good financial people behind you like AgDirect and Farm Credit is just smart.”
    – Jennifer Gottschalk , Seed Corn and Grain Grower

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  • Jeremy Heine

    “It’s just plain easy working with AgDirect.”
    – Jeremy Heine , Grain and Beef Producer

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  • Jess Blatchford

    “AgDirect puts money back in my pocket.”
    – Jess Blatchford , Potato and Wheat Grower

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  • Joe Klemen, Dwayne Klemen and Mark Klemen

    “AgDirect takes care of us.”
    – Joe Klemen, Dwayne Klemen and Mark Klemen , Beef, Crop and Dairy Producers

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  • Randy Emtman

    “I like that AgDirect is linked to Farm Credit.”
    – Randy Emtman , Timothy Hay, Grain, Legume and Beef Producer

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  • Steve and Cindy Newsom

    “It’s critical to have a lender that is open minded to taking on new enterprises.”
    – Steve and Cindy Newsom , Cotton, Peanuts, Alfalfa Hay, Grain and Wine Grape Grower, Vineyard Equipment Dealer

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