Rates

At Dealership Rates

Purchase or Refinance
New & Used Equipment
Under $10k, 2 to 5 year term only

 

Lease
New & Used Equipment
Not available: Under $10K
Not available: Variable rates*

 

Titled Equipment
New & Used Titled Equipment
Purchase or Refinance
Not eligible for leases
2 to 5 year term options

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    2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$200,000+
Fixed Rate 5.95% 6.20% 6.20% 6.45%
Variable Rate* 4.00% 4.00% 4.00% 4.00%
Financed Amount:
$75,000-$199,999
Fixed Rate 6.00% 6.25% 6.25% 6.50%
Variable Rate* 4.25% 4.25% 4.25% 4.25%
Financed Amount:
$25,000-$74,999
Fixed Rate 6.25% 6.50% 6.50% 6.75%
Variable Rate* 4.50% 4.50% 4.50% 4.50%
Financed Amount:
$5,000-$24,999
Fixed Rate 6.50% 6.75% 6.75% 7.00%
Variable Rate* 5.00% 5.00% 5.00% 5.00%



Rates effective July 1-31, 2022. *All rates and terms are subject to credit approval. Free fixed-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 $300 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.

Auction 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.

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    2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$200,000+
Fixed 5.95% 6.20% 6.20% 6.45%
Variable 4.00% 4.00% 4.00% 4.00%
Financed Amount:
$75,000-$199,999
Fixed 6.00% 6.25% 6.25% 6.50%
Variable 4.25% 4.25% 4.25% 4.25%
Financed Amount:
$25,000-$74,999
Fixed 6.25% 6.50% 6.50% 6.75%
Variable 4.50% 4.50% 4.50% 4.50%

Rates effective July 1-31, 2022. *All rates and terms are subject to credit approval. Free fixed-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 $300 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 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.

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    2-3 yrs 4 yrs 5 yrs 6-7 yrs
Financed Amount:
$200,000+
Fixed 5.95% 6.20% 6.20% 6.45%
Variable 4.00% 4.00% 4.00% 4.00%
Financed Amount:
$75,000-$199,999
Fixed 6.00% 6.25% 6.25% 6.50%
Variable 4.25% 4.25% 4.25% 4.25%
Financed Amount:
$25,000-$74,999
Fixed 6.25% 6.50% 6.50% 6.75%
Variable 4.50% 4.50% 4.50% 4.50%

Rates effective July 1-31, 2022. *All rates and terms are subject to credit approval. Free fixed-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 $300 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.

Special Rates Programs

Lock in a low lease payment with AgDirect’s special lease residuals for a limited-time only.

  • Combine It - PRO and PUT residuals on new and late-model-used (2017 or newer) combines.

Click the Download PDF button below to view the details.

AgDirect reserves all rights to cancel or change rates and terms at any time and without notice.
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 $300 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.

Types of Financing

Available for Tractors, Combines, Sprayers and Other Equipment Used in Agriculture.

At Dealership

Purchase, lease and refinance options available on new and used equipment sold through farm equipment dealers – with 2-7 years* (up to 10-year term* on pivots). Easy application and quick credit decisions.

Learn More >

Auction

Purchase and lease options with pre-sale credit decisions available on equipment sold through auctions – minimum purchase price of $25,000 (before down payment). Ag-friendly terms.

Learn More >

Private Party

Purchase and lease options available on equipment sold through private party transactions – minimum purchase price of $25,000 (before down payment). Ag-friendly terms.

Learn More >

* Subject to approval.

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    “AgDirect offers competitive interest rates, good terms and a painless application process.”
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