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Farm Equipment Loans & Leases
Farm Equipment Financing - We're on Your Side.
John Deere Financial customers may choose us for our competitive financing rates. But in reality, anyone can offer low-rate financing. No matter what state your operation is in, John Deere Financial can provide customized solutions - from a variety of farm equipment financing options that better match your cash flow to flexible and innovative input financing. Whatever the markets, weather, or life’s circumstances bring, we’ll be here to help your farm succeed - for generations to come.
Farm Equipment Financing: Benefits of Loan vs. Lease
Taking out a loan to purchase and leasing farm equipment both have their advantages. Which one is best for you depends on your operation’s goals at any given time. Compare the advantages of loans and leasing to find out which one best matches your farm's needs.
Loan Advantages
- You can depreciate your equipment.
- No limit on your equipment’s hours and wear.
- You’re building equity - you own the equipment when you’re done paying for it.
- Terms and payment schedules can be customized to meet your income stream.
- Equity can be rolled over every 1-3 years, helping you trade in your tractor or combine for a new model.
- You may see tax benefits.†
Lease Advantages
- Combine leasing with PowerGard™ extended warranty, and know your total cost to use your machine.
- An opportunity to pay less upfront.
- Generally, you may make lower payments than with an installment loan.
- You may see tax benefits.†
- Deploy equity elsewhere in your business instead of building equity in the equipment.
Farm Equipment Loans or Lease? Questions to Ask?
In addition to filling out an application, start thinking about the answers to these questions before you meet with your John Deere dealer.
- Is my operation stable, expanding, or downsizing?
- What are my cash flow needs?
- How long will I need the equipment?
- Is running the newest and latest technology important to my operation?
- Is running farm equipment under warranty important to my operation?
Payment Calculator
Run the numbers yourself right here, and get help finding your best loan or lease option.
Used Agricultural Equipment
John Deere Financial offers competitive financing for the top-quality used agricultural equipment offered by your local John Deere dealer.
Find used agricultural equipment
We Can Finance Your Other Business Needs Too.
We offer financing solutions for attachments, parts, service, technology, and other necessities for your operation.
Tractor Attachment Financing
Have attachments installed on your tractor when you purchase it, and bundle everything into one low monthly loan payment.
Multi-Use Account
Finance all your day-to-day and seasonal farm purchases - from parts and service to seed and feed.
Compact Equipment Financing
Let us finance other types of machines for your farm, such as compact construction equipment. Skid steers and compact track loaders can fit into tight spaces like barns and bins, making them hard-working farmhands.
Early Order Program
Have peace of mind and hit the ground running next season. Get our latest equipment and a great financing rate when you visit your dealer and order your John Deere tractor early.
Agricultural Financial Tips, Resources, and Expert Advice
You’re thinking about your farm around the clock. So are we. Check out these articles for fresh ideas and insight for boosting profitability and managing seasonal cash flow.
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Online Payments
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†John Deere Financial does not provide legal or tax advice. Please consult a professional tax advisor or accountant for your specific needs or qualifications.