| Term | Fixed Rate | Variable Rate |
|---|---|---|
| 2 - 3 years | 6.25% | 6.75% |
| 4 years | 6.25% | 6.75% |
| 5 years | 6.25% | 6.75% |
| 6 - 7 years | 6.45% | 6.75% |
-
AgDirect will be closed on Mon., Sep. 1, in observance of Labor Day. Normal operations will resume on Tue., Sep. 2.
Rates
Get the equipment you need with competitive financing rates designed to keep your farm growing. Affordable and flexible, our financing options make it easier to invest in your operation with confidence.
Rates Based on Financed Amount
| Term | Fixed Rate | Variable Rate |
|---|---|---|
| 2 - 3 years | 6.50% | 6.75% |
| 4 years | 6.50% | 6.75% |
| 5 years | 6.50% | 6.75% |
| 6 - 7 years | 6.75% | 6.75% |
| Term | Fixed Rate | Variable Rate |
|---|---|---|
| 2 - 3 years | 6.75% | 6.75% |
| 4 years | 6.75% | 6.75% |
| 5 years | 6.75% | 6.75% |
| 6 - 7 years | 6.95% | 6.75% |
| Term | Fixed Rate | Variable Rate |
|---|---|---|
| 2 - 3 years | 7.25% | 6.75% |
| 4 years | 7.25% | 6.75% |
| 5 years | 7.25% | 6.75% |
| 6 - 7 years | 7.45% | 6.75% |
Equipment Financing Requirements
1
2
Purchase or Refinance
- Used Machinery and Titled Equipment
- Sales Price Minimum of $25,000
- Irrigation Equipment Not Eligible
- Titled Equipment Not Eligible for Leases
Rates effective September 01-30, 2025. *All rates and terms are subject to credit approval. No rate lock fees on fixed-rate lock for 0 - 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. Rates outlined herein are for informational purposes only and may be canceled or changed at any time without notice. The final rate for each transaction will be set forth in the financing documents signed by the customer. ^Minimum finance amount higher for recipients in NM. **Rates outlined herein are for illustrative purposes only to assist in comparing lease payments to the cost of a loan. They are not intended as, and should not be relied on as, tax or accounting advice. Applicants should consult their tax accounting advisors regarding appropriate treatment of any lease transaction. ***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. DOCUMENTATION FEES: The maximum documentation fee (i.e., origination fee, document fee, processing fee, application fee, closing fee, or similar fee) for each transaction shall be the lesser of $300 or the amount allowed under applicable state law. All such fees shall be disclosed on the final financing documents; AgDirect and/or the 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 financing documents.
Calculator
Easily estimate your farm equipment payments with our simple online calculator - plan with confidence and clarity.
Rates and Terms FAQs
1
Generally, AgDirect borrowers need to put down 0% to 30% of the purchase price.
2
Subject to approval, the typical period used to amortize equipment debt is three to seven years and up to 10 years on pivots.
3
If you make annual payments, you may prepay up to one year in advance; up to six months in advance for monthly payments; and up to two early payments for quarterly payments. You can also pay off early at any time with no penalty.
Excludes leases over $500,000.
4
Typically, payment plans are set up on standard annual, semiannual, quarterly or monthly frequencies.
Variable vs. Fixed Interest Rates
1
You will receive a rate change notice letter via mail within 45 days.
2
AgDirect customers can convert from a variable interest rate to a fixed rate. The fixed rate is determined by the published AgDirect rate at the time of conversion for the remaining term of the note at no cost.
3
These fluctuations can happen as often as every month or quarter or annually. Historically, the Federal Reserve meets quarterly; however, the Federal Reserve can meet as deemed necessary.
4
No. For example, between 2004 and 2006, the Fed moved rates for 17 consecutive meetings. And between 2015 and 2018, the Fed moved the rate nine times.
What Can I Finance with AgDirect?
Not sure if your equipment qualifies? We finance a wide variety of ag equipment and brands to support your operation. Whether you're upgrading, expanding, or replacing, our flexible options are built to fit your needs. If it’s used on the farm, chances are we finance it.
Types of Financing
Available for Tractors, Combines, Sprayers and Other Equipment Used in Agriculture.
How to Apply
1
2
Most credit decisions are returned within hours — often while you're still at the dealership or on the same business day.
3
Once you've selected your equipment (or won an auction bid), provide purchase details or invoice to AgDirect.
4
AgDirect or your dealer will provide all necessary financing documents for your review and signature.
5
Simply sign and return the documents electronically or in person.
6
Once documents are complete, funds are disbursed and your financing is finalized.
Find a Territory Manager
Many areas of the country have an assigned Territory Manager who works with ag equipment dealers and ag producers for quoting and selecting the best financing solution. Customers who do not have a Territory Manager in their area are assigned an Inside Sales Officer from our corporate office.
Loading territory manager information...
Loading Error
Unable to find territory manager information. Please try again or contact customer service.
Ready to Apply? Get Started.
No matter how you buy, AgDirect makes it easy to move forward with confidence.