Private Party 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 and up to 80 percent financing.

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

Here’s how it works:

Contact AgDirect to complete an application.

Credit decision is returned to you, typically within 2 hours.

AgDirect team member provides financing documents.

You simply review, sign and return all documents to AgDirect.

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 or lease
Variable or fixed rates
New or used equipment*
Minimum purchase price of $25,000 (before down payment)

Financing terms – up to 5 years (with 20% down)*
Delayed payments – up to one year (with 20% down)*

*Subject to approval. Excludes irrigation equipment and leases on titled equipment.

Private Party Rates

Standard
New & Used Equipment
Buy
Sales price minimum of $25,000. Minimum of 20% down payment required.
Titled equipment is not eligible for leases.

Scroll left to view the rest of the table.

2-3 yrs

4 yrs

5 yrs

6-7 yrs

            Sales Price:

            $200,000+
            
                        Fixed
                        5.49%
                        5.49%
                        5.49%
                        ----
                    
                        Variable
                        4.49%
                        4.49%
                        4.49%
                        ----

Sales Price:
$50,000-$199,999

Fixed	5.75%	5.75%	5.75%	----
Variable	4.74%	4.74%	4.74%	----

            Sales Price:

            $25,000-$49,999
            
                        Fixed
                        6.45%
                        6.45%
                        6.45%
                        ----
                    
                        Variable
                        4.74%
                        4.74%
                        4.74%
                        ----

Titled Equipment
New & Used Equipment
Buy
Sales price minimum of $25,000. Minimum of 20% down payment required.
Titled equipment is not eligible for leases.

Scroll left to view the rest of the table.

2-3 yrs

4 yrs

5 yrs

6-7 yrs

            Sales Price:

            $200,000+
            
                        Fixed
                        5.99%
                        5.99%
                        5.99%
                        ----
                    
                        Variable
                        4.99%
                        4.99%
                        4.99%
                        ----

Sales Price:
$50,000-$199,999

Fixed	6.25%	6.25%	6.25%	----
Variable	5.24%	5.24%	5.24%	----

            Sales Price:

            $25,000-$49,999
            
                        Fixed
                        6.95%
                        6.95%
                        6.95%
                        ----
                    
                        Variable
                        5.24%
                        5.24%
                        5.24%
                        ----

Rates effective August 1-31, 2018. *All rates and terms are subject to credit approval. Free 45-day rate commitment on all terms. **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.

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.

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 ag equipment.

Owning Machinery Series, Part II

Calculating cost of ownership

Owning Machinery Series, Part I

Equipment purchase considerations during periods of tight profit margins

Investing in Precision Ag Equipment

Getting the greatest return from technology

20 Years of Simple, Fast and Flexible Financing

Built for agriculture, powered by Farm Credit

Leasing Remains Effective Tool Under New Tax Laws

Financial strategy to reduce costs, gain tax advantages and preserve working capital

Section 179 Depreciation Updates for 2018

Deduction limit raised to $1 Million

Strip-till: What You Need to Know for your Farm

Adopting strip-till starts by answering a simple question: Why?

2018 Farm Show Calendar

Choose AgDirect financing Powered by Farm Credit.

Cover Crops

What You Need to Know for your Farm

Managing machinery and its financing, Part 3

Managing machinery financing in volatile times

Managing machinery and its financing, Part 2

Managing machinery financing in volatile times

Managing machinery and its financing, Part 1

Managing machinery financing in volatile times

Half-year leases

Half-year equipment lease options

Used inventory "washout cycle"

Almost every machine on a dealer lot represents a potential sale.

Used machinery values and trends by geography

Strong crop yields = strong used machinery prices

Buyer confidence, economic optimism growing

Major themes in the farm machinery market in recent years

Used Combine Market

Used combine market saw some signs of life in late 2016

Used Implement Market

Factors influencing the buying or selling of used implements

Used Tractor Market

Used tractor market is strengthening

Section 179 Deductions for 2016

Here’s all you need to know about Section 179 deductions

Online Machinery Auctions

Online machinery auctions growing in popularity among farmers

Good machinery buying habits

Take a longer view of your machinery needs

When to Finance Machinery with Operating Credit

Think twice before using operating credit

Good Buying Habits: Irrigation

Think Long-term When Investing in Irrigation

Leasing Trend Continues in 2016

Leases offer equipment buyers a lot of flexibility

Buying Used vs. New Machinery

Used vs. new machinery: Ask all the right questions

Stress on the Farm, Part 2

Take positive steps to manage stress on the farm

Stress on the Farm, Part 1

Stress on the farm: Watch for key warning signs

Women in Agriculture

Women’s changing roles on the farm

Farm Succession Part 3

Machinery and the Alignment Process

Farm Succession Part 2

Leasing’s Role In A Farm Succession Plan

Farm Succession Part 1

Farm Machinery & Positioning Your Operation For Succession

Machinery Spending

Buy Smart: Tips To Stretch Your Machinery Dollars

Owning Machinery vs. Custom Hiring

Own the Machinery or Custom Hire

Machinery Benchmarking

Key machinery benchmarks and how they can benefit you

Operating Expense Ratio

Measuring your financial health with the Operating Expense Ratio

Section 179 Deductions

Will the IRS Section 179 tax deduction be restored to $500,000?

Farm Machinery Outlook

Machinery Financing Stable Despite Farm Economy Slowdown

Machinery Leasing Considerations

Know your leasing options and their implications

Fixed- versus variable-rate financing

Fixed- or variable-rate financing: What’s best for you?

Farm Safety Checklist

7 Tips to Keep your Farm Safe This Fall

Working Capital

Consider Equipment Financing Options

Equipment Refinance

Low Rates Make Refinancing Loans a Tactic to Consider

AgDirect Leasing

Frequently Asked Questions and Answers About Leasing

Dispose Your Mobile Device

Erase All Sensitive Information Before Disposal

AgDirect Financing, Equipment Types and Rates

Frequently Asked Questions and Answers About AgDirect Financing, Equipment Types and Rates

Applying for AgDirect Financing

Frequently Asked Questions and Answers About Applying for AgDirect Financing

Phone – Internet Security

Rural Locations Provide No Defense Against Phone, Internet Hackers

Identity Theft

Defense Against Identity Theft Begins with Your Waste Basket

Mobile App

AgDirect® Mobile Financing Calculator Available in iPhone, Android Platforms

Leasing Trend Up

For Flexibility, Equipment Buyers Show More Interest in Leasing

“AgDirect is simple and flexible.”
– Chad and Amy Haeg , Small Grain, Lentil and Bluegrass Growers

See more

Watch video
“I’ve never received such speed and ease of financing.”
– Dave Zimmerman , Grain and Beef Producer, Custom Seed Corn Harvester and Custom Sprayer

See more

Watch video
“Bottom line, AgDirect is a business decision.”
– Gerry Wiese , Grain and Pork Producer

See more

Watch video
“Having good financial people behind you like AgDirect and Farm Credit is just smart.”
– Jennifer Gottschalk , Seed Corn and Grain Grower

See more

Watch video
“It’s just plain easy working with AgDirect.”
– Jeremy Heine , Grain and Beef Producer

See more

Watch video
“AgDirect puts money back in my pocket.”
– Jess Blatchford , Potato and Wheat Grower

See more

Watch video
“AgDirect takes care of us.”
– Joe Klemen, Dwayne Klemen and Mark Klemen , Beef, Crop and Dairy Producers

See more

Watch video
“I like that AgDirect is linked to Farm Credit.”
– Randy Emtman , Timothy Hay, Grain, Legume and Beef Producer

See more

Watch video
“It’s critical to have a lender that is open minded to taking on new enterprises.”
– Steve and Cindy Newsom , Cotton, Peanuts, Alfalfa Hay, Grain and Wine Grape Grower, Vineyard Equipment Dealer

See more

Watch video

Dealer Log In >

Customer Log In >

Private Party Financing

Here’s how it works:

Equipment financing for today’s agriculture.

Private Party Rates

Scroll left to view the rest of the table.

Scroll left to view the rest of the table.

Private Party Financing Requirements

Learning Center

Owning Machinery Series, Part II

Owning Machinery Series, Part I

Investing in Precision Ag Equipment

20 Years of Simple, Fast and Flexible Financing

Leasing Remains Effective Tool Under New Tax Laws

Section 179 Depreciation Updates for 2018

Strip-till: What You Need to Know for your Farm

2018 Farm Show Calendar

Cover Crops

Managing machinery and its financing, Part 3

Managing machinery and its financing, Part 2

Managing machinery and its financing, Part 1

Half-year leases

Used inventory "washout cycle"

Used machinery values and trends by geography

Buyer confidence, economic optimism growing

Used Combine Market

Used Implement Market

Used Tractor Market

Section 179 Deductions for 2016

Online Machinery Auctions

Good machinery buying habits

When to Finance Machinery with Operating Credit

Good Buying Habits: Irrigation

Leasing Trend Continues in 2016

Buying Used vs. New Machinery

Stress on the Farm, Part 2

Stress on the Farm, Part 1

Women in Agriculture

Farm Succession Part 3

Farm Succession Part 2

Farm Succession Part 1

Machinery Spending

Owning Machinery vs. Custom Hiring

Machinery Benchmarking

Operating Expense Ratio

Section 179 Deductions

Farm Machinery Outlook

Machinery Leasing Considerations

Fixed- versus variable-rate financing

Farm Safety Checklist

Working Capital

Equipment Refinance

AgDirect Leasing

Dispose Your Mobile Device

AgDirect Financing, Equipment Types and Rates

Applying for AgDirect Financing

Phone – Internet Security

Identity Theft

Mobile App

Leasing Trend Up

“AgDirect is simple and flexible.” – Chad and Amy Haeg , Small Grain, Lentil and Bluegrass Growers

“I’ve never received such speed and ease of financing.” – Dave Zimmerman , Grain and Beef Producer, Custom Seed Corn Harvester and Custom Sprayer

“Bottom line, AgDirect is a business decision.” – Gerry Wiese , Grain and Pork Producer

“Having good financial people behind you like AgDirect and Farm Credit is just smart.” – Jennifer Gottschalk , Seed Corn and Grain Grower

“It’s just plain easy working with AgDirect.” – Jeremy Heine , Grain and Beef Producer

“AgDirect puts money back in my pocket.” – Jess Blatchford , Potato and Wheat Grower

“AgDirect takes care of us.” – Joe Klemen, Dwayne Klemen and Mark Klemen , Beef, Crop and Dairy Producers

“I like that AgDirect is linked to Farm Credit.” – Randy Emtman , Timothy Hay, Grain, Legume and Beef Producer

“It’s critical to have a lender that is open minded to taking on new enterprises.” – Steve and Cindy Newsom , Cotton, Peanuts, Alfalfa Hay, Grain and Wine Grape Grower, Vineyard Equipment Dealer

Account Access 3.0 Ugly UI

“AgDirect is simple and flexible.”
– Chad and Amy Haeg , Small Grain, Lentil and Bluegrass Growers

“I’ve never received such speed and ease of financing.”
– Dave Zimmerman , Grain and Beef Producer, Custom Seed Corn Harvester and Custom Sprayer

“Bottom line, AgDirect is a business decision.”
– Gerry Wiese , Grain and Pork Producer

“Having good financial people behind you like AgDirect and Farm Credit is just smart.”
– Jennifer Gottschalk , Seed Corn and Grain Grower

“It’s just plain easy working with AgDirect.”
– Jeremy Heine , Grain and Beef Producer

“AgDirect puts money back in my pocket.”
– Jess Blatchford , Potato and Wheat Grower

“AgDirect takes care of us.”
– Joe Klemen, Dwayne Klemen and Mark Klemen , Beef, Crop and Dairy Producers

“I like that AgDirect is linked to Farm Credit.”
– Randy Emtman , Timothy Hay, Grain, Legume and Beef Producer

“It’s critical to have a lender that is open minded to taking on new enterprises.”
– Steve and Cindy Newsom , Cotton, Peanuts, Alfalfa Hay, Grain and Wine Grape Grower, Vineyard Equipment Dealer