AgDirect is one of the few lenders that refinances farm equipment loans. Refinancing can be done to free up working capital and improve an operation's financial position, especially during periods of low interest rates.
Save money by reducing your interest rate.
Improve cash flow by extending your payment terms.
Same competitive rates and flexible terms as new farm equipment, with monthly, quarterly, semiannual or annual payment options.
Streamlined equipment refinancing process, including an online application and electronic signatures.
Fixed rates for refinancing farm equipment start at 7.35%!
Ready to refinance? Let's get started.
We are dedicated to agriculture — it's all we do. That's why we offer a variety of financing options to fit your needs.
*Subject to approval
**Excludes leases over $500,000.
In most cases, your local equipment dealer can process and complete the refinance with AgDirect right at the dealership, often in the same business day.
Refinancing farm equipment? Use our easy online financing application.
Get AgDirect financing through local Farm Credit offices.
Contact our Inside Sales team to get financing directly through AgDirect.
Row crop tractorsStandard tractorsHigh Crop tractorsUtility tractorsOther tractors used in agriculture
CombinesForage harvesterDraper headCorn headGrain cartCotton pickerWindrower/swatherOther harvesters & harvest equipment used in agriculture
PlantersSprayersCenter pivotsTillage equipment Hay and Forage equipmentSkid loaders Other equipment used in agriculture
The minimum amount that can be financed is $5,000 for a qualifying asset.
Questions about refinancing your farm equipment with AgDirect? Check out our FAQs on these common topics:
Should I refinance?
Refinancing is one tool producers can leverage to free up working capital and improve their financial positions, especially during periods of low interest rates. Unless you have one payment left on a loan or the interest rate you can get by refinancing is close to your current rate, it almost always makes sense to refinance higher rate notes. Another good time to consider refinancing is after an interest waiver. See our Learning Center article on managing working capital to determine if refinancing is right for you.
What farm equipment does AgDirect refinance?
AgDirect offers refinancing on all types of equipment, including the purchase and lease of tractors, combines, pivots, implements, strip till equipment and more. AgDirect finances the purchasing and leasing of all major brands of ag and irrigation system equipment, including John Deere, Case IH, New Holland, AGCO, Reinke, Valley and Zimmatic.
How long will it take to be approved for refinancing through AgDirect?
The application usually takes less than ten minutes. AgDirect will make the payoff to the bank or captive finance company, and if the producer is willing to sign the loan documents electronically, the dealer doesn't have to touch the deal again after the application is submitted.
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.
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