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The Basics of AGDirect

July 01, 2022

What is AgDirect?

AgDirect® is an agriculture equipment financing program offered by Farm Credit Services of America and other participating Farm Credit System Institutions with lease financing provided by Farm Credit Leasing Services Corporation. We offer ag equipment loans with favorable interest rates so your Colorado farm can thrive. AgDirect® works to help you make the right decision for your rural operation when it comes to financing your next tractor, combine or ag equipment.

What type of AG Equipment does AgDirect finance?

AgDirect financing works with every brand and every type of equipment. We are dedicated to agriculture and we’re built from agriculture, so we understand the necessities of farm owners and operators. That’s why we offer a variety of equipment financing options to fit your specific needs to maximize the profit of your Colorado farm. Examples of equipment pieces we finance include, but aren’t limited to*:

  • Tractor
  • Combine
  • Sprayer
  • Planter
  • Center Pivot
  • Skid Loader
  • Forage Harvester
  • Draper Head
  • Windrower / Swather
  • Corn Head
  • Grain Cart
  • Cotton Picker
  • Tillage
  • Other equipment used in agricultural production

*The minimum amount that can be financed is $5,000 for a qualifying asset.

What AgDirect Plans does Farm Credit of Southern Colorado offer?

Whether you bought your ag equipment at a dealer, or are planning to buy it at an auction, our equipment financing has options for you. Our AgDirect plans are available for private parties, dealers, auctions, and other special entities with the following rates:

Private Party
  • Max term of 5 years
  • Machinery and titled equipment only
  • Refund 70-80% of value or sales price

SEE RATES – https://www.agdirect.com/#privateParty

Dealer
  • Standard: buy or refinance
  • Lease: equipment may qualify for Just Lease It!
  • Lease: Under $10k not available

SEE RATES – https://www.agdirect.com/#atDealership

Auction
  • Purchased through an auction
  • Will refund 70-80% of sales price
  • Subject to credit decision

SEE RATES – https://www.agdirect.com/#auction

Specials/Other
  • Contact for more information

SEE RATES – https://www.agdirect.com/#specials

*Interest rates consistently change, so be sure to check the official AgDirect website for the most up-to-date rates in your area.

How do I apply for AgDirect?

It easy – simply fill out the form at the bottom of THIS PAGE or give FCSC a call to apply. We’ll essentially need your typical personal and professional information; plus, agriculture equipment specifics you’re looking to finance, and we’ll do the rest! Everyone’s loan will be customized to their needs so our agents will walk you through every step of the way with thorough explanations of your particular loan and answer all your questions. We’ll leave nothing to chance so you can be completely educated on what you’re signing for and feel 100% confident with AgDirect. It’s that’s quick! (Feel free to also contact us with any other questions you may have before filling out that form.)

The agriculture industry is constantly evolving, which is why AgDirect® works to help you make the right decision for your farm or AG operation when it comes to financing your next tractor, combine or ag equipment. AgDirect, powered by Farm Credit, is among the leading ag equipment financing options in the nation, so give us a call or apply online today to take your Colorado farm to the next level.

Disclaimer: Rates effective April 01-30, 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.

Want to learn more about our financing services?

Farm Credit of Southern Colorado offers a variety of financing options, including loans for operating lines of credit, recreational properties, ag production real estate, appraisals, rural home mortgages, and equipment leases and loans.

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