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.

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 7 years*
  • Delayed payments – up to 15 months*

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

Private Party Rates

Purchase or Refinance
Used Machinery and Titled Equipment
Sales price minimum of $25,000.
Irrigation equipment not eligible.
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
Financed Amount:
Fixed 2.49% 2.89% 2.89% 3.29%
Variable 2.49% 2.49% 2.49% 2.49%
Financed Amount:
Fixed 3.49% 3.89% 3.89% 4.29%
Variable 2.79% 2.79% 2.79% 2.79%

Rates effective October 01-31, 2021. *All rates and terms are subject to credit approval. Free rate lock for 0 to 45 days. Applications not funded within 45 days of application date are subject to rate change. Contact AgDirect® for rate locks greater than 45 days. **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.
DOCUMENTATION FEES: The maximum documentation fee (i.e., origination fee, document fee, processing fee, application fee, closing fee, or similar fee) for each AgDirect® transaction shall be the lesser of $300 or the amount allowed under applicable state law. All such fees for an AgDirect transaction shall be disclosed on the AgDirect financing documents or Farm Credit Leasing Services Corporation (“FCL”) lease documents; AgDirect/Financing Company shall receive up to the first $150 of such fee, and Dealer's share, if any, will equal the remainder of the fee disclosed on the AgDirect financing documents or FCL lease documents.

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 your next tractor, combine or ag equipment.

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