Auction, Private Party and Dealer Used Farm Equipment Financing

No matter how you buy used equipment – through a dealer, auction, an online auction platform or marketplace, or from a private party — AgDirect® can help finance it. We offer competitive loan and lease options for tractors, combines and other used farm equipment.

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.

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

Looking for an AgDirect dealer near you?

Enter your zip code into AgDirect’s Dealer Locator to find a participating equipment dealer in your area.

Types of Equipment AgDirect Finances

AgDirect financing is available for all types of equipment used in agriculture.


Row crop tractors
Standard tractors
High Crop tractors
Utility tractors
Other tractors used in agriculture

Harvesters and Harvest Equipment

Forage harvester
Draper head
Corn head
Grain cart
Cotton picker
Other harvesters & harvest equipment used in agriculture


Center pivots
Tillage equipment
Hay and Forage equipment
Skid loaders
Other equipment used in agriculture

The minimum amount that can be financed is $5,000 for a qualifying asset.

Equipment Brands AgDirect Frequently Finances

  • John Deere
  • Ferguson
  • Deutz-Fahr
  • Claas
  • Reinke
  • Hagie
  • Tigercat
  • Unverferth
  • Bush Hog
  • Case IH
  • Versatile
  • Challenger
  • Gleaner
  • Valley
  • Hardi
  • Landoll
  • Vermeer
  • Kuhn
  • New Holland
  • Kubota
  • Lexion
  • Caterpillar
  • Kinze
  • JCB
  • Sunflower
  • Brandt
  • Valtra
  • Fendt
  • Mahindra
  • Krone
  • Zimmatic
  • Apache
  • Ponsse
  • Great Plains
  • Monoseum
  • Other

Used Equipment Financing FAQs

Questions about purchasing or leasing your used farm equipment with AgDirect? Check out our FAQs on these common topics:

What types of farm equipment do you finance or refinance?

AgDirect offers financing on all types of ag equipment, including the purchase and lease of tractors, combines, center pivots, implements, strip till equipment and more sold at a dealership, an auction and by a private seller. We finance all major farm and irrigation system equipment manufacturer brands, including John Deere, Case IH, New Holland, AGCO, Kubota, Reinke, Valley and Zimmatic.

What are the steps involved in applying for AgDirect equipment financing for a traditional or online auction?

Here's how it works:

  1. Complete our online financing application or contact AgDirect or a participating Farm Credit office to complete an application (minimum of two days prior to auction).
  2. Credit decision is typically returned within two hours. Our goal is to process applications in three business hours.
  3. Bid on and win equipment at auction.
  4. An AgDirect team member provides financing documents.
  5. Review, sign and return all documents to AgDirect.
  6. Funds are disbursed.

What financing options are available through AgDirect for equipment purchased from a private party?

AgDirect offers highly competitive finance and lease options on farm equipment sold through private transactions. This allows producers to take advantage of the same attractive rates and ag-friendly terms they would find at the dealership while benefiting from the potential savings a private seller may have to offer.

In addition to benefiting from competitive finance and lease options, producers who opt for private party financing through AgDirect can count on a fast and streamlined application process.