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 or apply online for AgDirect financing.

Dealer completes and submits your application.

Credit decision is returned to dealer, usually while you are still at the dealership or in three business hours.

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 15 months*
  • No prepayment penalties**
  • Simple application
  • Quick credit decisions

* Subject to approval.
** Excludes leases over $500,000.

At Dealership Rates

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


New & Used Equipment
Not available: Under $10K
Not available: Variable rates*


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:
Fixed Rate 5.95% 6.20% 6.20% 6.45%
Variable Rate* 4.00% 4.00% 4.00% 4.00%
Financed Amount:
Fixed Rate 6.00% 6.25% 6.25% 6.50%
Variable Rate* 4.25% 4.25% 4.25% 4.25%
Financed Amount:
Fixed Rate 6.25% 6.50% 6.50% 6.75%
Variable Rate* 4.50% 4.50% 4.50% 4.50%
Financed Amount:
Fixed Rate 6.50% 6.75% 6.75% 7.00%
Variable Rate* 5.00% 5.00% 5.00% 5.00%

Rates effective July 1-31, 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.

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 your next tractor, combine or ag equipment.

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