Financing for equipment, parts and service

5.65% APR from

36–60 months (annual installments) · 20% down · $25,000–$1,000,000

Equipment purchase

One payment a year, due after harvest, for row-crop and hay operations that bank income seasonally.

• Single installment due each year between Nov 1 and Jan 15
• Built for combines, planters, grain carts and hay equipment
• Interest-only first season available on spring deliveries

Eligibility

• Working farm with 2+ consecutive years of production history
• Crop insurance or forward contract in place for the covered acres
• 20% down from cash, trade or a covered crop advance
• Credit score 680+ and no ag loan delinquency in the last 24 months
• Balance sheet and Schedule F required at application

6.75% APR from

36–60 months · 0% down · $7,500–$400,000

Equipment purchase

First payment deferred 90 days on fleet orders of 3+ machines

Low-payment fleet leases for landscape contractors, golf courses, schools and municipalities.

• No money down, first payment deferred 30 days
• Fleet upgrade or buyout option at term end
• Annual maintenance plan can be bundled into the payment

Eligibility

• Registered business, municipality, school district or golf property
• Commercial or municipal use only (no homeowner leases)
• 12+ months in business, or an approved municipal purchase order
• Business credit score 620+ with proof of liability insurance naming the lessor
• Annual hour cap of 1,200 per machine; overage billed at term end

11.9% APR from

3, 6 or 12 months · 0% down · $300–$35,000

Parts purchase · Service or repair bill

No interest for 90 days on parts and shop balances under $2,500

Revolving counter account for parts orders and shop repair bills so downtime never waits on cash flow.

• No money down, 90 days interest-free on balances under $2,500
• Use at all 9 locations, including mobile service calls
• Approved limit stays open for repeat orders all season

Eligibility

• Parts, attachment or repair-order balances of $300 or more
• Open account in good standing, or a new application with a credit check
• Credit score 600+ for individuals; business accounts reviewed on trade references
• Balance must be paid in full before a new work order over the approved limit is released
• Warranty and goodwill repairs are excluded

7.99% APR from

12–48 months · 0% down · $1,500–$60,000

Equipment purchase · Parts purchase

0% for 12 months on purchases under $5,000 with approved credit

Simple installment plan for lawn tractors, zero-turns, Gators, attachments and homeowner packages.

• No money down on approved credit
• Same-day decision at the counter
• 12 months no-interest option on balances under $5,000

Eligibility

• Individual buyer, personal or acreage use
• Purchase between $1,500 and $60,000
• Credit score 620+ and verifiable income
• Valid government ID and a delivery address in TX, OK or AR