Custom Financing for Individual Needs.

No one knows more about how to fund your exact equipment needs than Agricredit. That’s because Agricredit takes the time to listen to your goals and develop a financing solution unique to your agriculture operation. We can satisfy almost any scenario, thanks to our diverse range of retail (installment) finance options and vast experience in the industry.

Agricredit can offer you competitive loan rates which enable you to buy farm and agriculture equipment today, when you need it, and pay for it over time. Payments are determined by a fixed or variable rate (APR) and term.

Retail financing is an option that offers contract flexibility. Installment contracts allow you to depreciate the equipment on your taxes over a period of time. There are also many low-rate, cost-competitive programs available in most markets. A few additional attributes are:

• Monthly, quarterly, semi-annual and annual payments available
• Fixed and variable rates based on prime
• Terms range from 18 to 84 months
• Full disclosure of terms and conditions
• Finance 100% of the equipment purchase
• Skip or modified payments available to match revenues
• No "end of term" surprises
• Easy, confidential, and timely application process
• Electronic documentation and funding processes to expedite acquisition and improve cash flow management

You’ll receive unparalleled flexibility when you finance your equipment through Agricredit. We don’t believe in one-size-fits-all solutions. Consider all the different ways we can tailor your loan:

• We can structure your financing as a conditional sales contract or Term Loan with a competitive fixed or variable interest rate.
• You can have your financing built out as a straight fully amortizing loan with equipment payments, decreasing payments, skip payment, or other prudent structure.
• A balloon payment is available, allowing lower monthly payments, enhancing affordability, with a larger last payment or series of uneven payments.
• Term debt instruments can be structured without a prepayment penalty to retire early without restriction.

Call Agricredit at 800 USE AGRI (800 873 2474) for an in-depth discussion on retail options.

TIP: Looking for a lower payment? If outright ownership isn’t necessary, you should consider Agricredit’s leasing solutions in order to decrease your payment amount.