Private Party Farm Equipment Financing

AgDirect® offers highly competitive finance and lease options on farm equipment sold through private transactions (such as farmer-to-farmer equipment sales). Along with attractive rates, we offer ag-friendly terms that match the income stream of farmers and ranchers.

Our experienced AgDirect team will guide you through the financing process, which is specifically tailored to meet the needs of those in agriculture.

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 (45-day approval period) so you can feel confident at an equipment auction.

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 and Lease Options

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

  • New farm equipment or used farm equipment
  • Equipment purchases through a dealer, auction and private party are eligible
  • Variable or fixed rates
  • Available for every brand and type of equipment used in agriculture
  • Flexible terms from two to seven years on most equipment*
  • Delayed payments — up to 15 months*
  • No prepayment penalties**

*Subject to approval

**Excludes leases over $500,000.

Get Started with AgDirect

At Dealership

Ask your local equipment dealer for AgDirect. Financing can be completed right at the dealership, often in the same business day.

Learn more in our FAQs

Apply Online

Purchasing new or used farm equipment? Use our easy online financing application.

Apply now

Farm Credit Office

Get AgDirect financing through local Farm Credit offices.

See participating Farm Credit associations

AgDirect Inside Sales

Contact our Inside Sales team to get financing directly through AgDirect.

Get started

Private Party Financing Requirements

The following information is required to complete the application process:

  • Copy of driver’s license for all applicants
  • Bill of sale (transferring ownership from seller to buyer, sales 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)
  • Seller name and address
  • Creditor information, if applicable

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.

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