Auction Farm Equipment Financing

AgDirect® offers highly competitive finance and lease options for those who purchase farm equipment through an auction (both traditional and online). Along with attractive rates, we offer pre-sale credit decisions and ag-friendly terms.

Our experience AgDirect team will guide you through the financing process, which is specifically tailored to meet the needs of those in agriculture. View these insights on how to prepare for your next farm machinery sale.

Why finance with AgDirect?


Get low rates and flexible terms that match your cash flow. Choose monthly, quarterly, semiannual or annual payments.


Streamlined equipment financing process, including an online application and electronic signatures.


We offer pre-sale credit decisions (fixed rate can be locked free for 45 days) so you can feel confident about how much you can spend.

Farm Equipment Rates

Fixed rates for financing or refinancing farm equipment start at 6.95%!

Ready to apply? Let's get started.

Purchase   Lease
Ready to apply? Let's get started.

Farm Equipment Loan & Lease Options

We are dedicated to agriculture — it’s all we do. That’s why we offer a variety of financing options for farm equipment purchased from a dealership, private party and farm equipment auction (online and traditional).

  • Used or new farm equipment
  • Variable or fixed rates
  • Flexible terms from two to seven years on most equipment*
  • Available for every brand and type of equipment used in agriculture
  • Delayed payments — up to 15 months*
  • No prepayment penalties**
  • Auction and private party purchases require a minimum purchase price of $25,000 (before down payment)

*Subject to approval

**Excludes leases over $500,000.

AgDirect Frequently Finances Equipment Purchased From These Auction Companies and Online Marketplaces

  • Armstrong Western
  • Bergh Auction Service/Owen Auction Service
  • Big Iron Auctions/Stock Auction
  • BMZ, Inc dba Zomer Auctioneering & Associates
  • Booker Auction
  • Chuck Yarbro Auctions
  • Del Peterson & Associates
  • DeWitt Auction
  • Equify Auction
  • Iron Planet
  • JBS Auctions
  • Kiko Auction
  • Peterson & Associates Auctions
  • Pifer's
  • Purple Wave Auction
  • Ritchie Bros Auctioneers
  • Ruhter Auction & Realty
  • Schrader Real Estate and Auction, Inc.
  • Sheridan Realty & Auction Co
  • Steffes Group, Inc.
  • Sullivan Auctioneers, LLC
  • The Bill Stade Auction & Realty Company
  • The Wendt Group
  • US Auction
  • Facebook Marketplace

Auction Financing Requirements

The following information is required to complete the application process:

  • Copy of driver’s license for all individual buyers
  • Bill of sale (transferring ownership from seller to buyer, sale price and full asset description, i.e., year, make, model, full serial number, are required)
  • Funding instructions (i.e., name and address of who should be funded, subject to other requirements)
  • Auction company contact information

Prior to the generation of documents, AgDirect will complete a lien search on both the buyer(s) and seller(s) to ensure that AgDirect will be in first lien position on this particular equipment.

  • A subordination will need to be signed by any lenders that hold a blanket lien on the buyer.
  • A UCC-3 will be prepared, and signed by creditor, if a blanket lien on the seller is located.
  • If an asset-specific lien is identified, funding will be issued to creditor and seller.

Prior to release of funds:

  • All original signed loan documents returned to AgDirect.
  • Applicable lien releases signed and returned to AgDirect.
  • Additional information may be needed prior to funding, subject to each individual transaction.

Popular equipment brands AgDirect finances.

Our financing complements any color of equipment. Discover the brand of equipment financing that works for you.

  • John Deere
  • Massey Ferguson
  • Fendt
  • Kubota
  • Reinke
  • Versatile
  • Case IH
  • New Holland
  • Challenger
  • Claas
  • Zimmatic
  • Other brands of equipment used in agriculture

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 other ag equipment.

  • Dustin G.

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

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  • John and Carla

    AgDirect makes equipment financing easy.
    – John and Carla , Grain & Beef Producers

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  • Jordan S.

    "With AgDirect, financing isn’t one-size-fits-all."
    – Jordan S. , Sales Representative, McRoberts Red Power

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