Side-by-side estimate
Compare five repayment terms.
Change one assumption and every row updates from the same financed amount.
Swipe the table to see interest and total paid →
| Term | Amount financed | Monthly estimate | Total interest | Total paid |
|---|---|---|---|---|
| 36 months | $80,000 | $2,507 | $10,249 | $90,249 |
| 48 months | $80,000 | $1,953 | $13,746 | $93,746 |
| 60 months | $80,000 | $1,622 | $17,327 | $97,327 |
| 72 months | $80,000 | $1,403 | $20,991 | $100,991 |
| 84 months | $80,000 | $1,247 | $24,739 | $104,739 |
Planning illustration only. The annual rate is your assumption—not an available rate or financing offer. Actual schedules, fees, taxes, and payment timing may differ.
Illustrative comparison
Compare the fields before researching real programs.
| Fictional provider and path | Best fit | Purchase channel | Equipment scope | Illustrative amount | Structure to verify |
|---|---|---|---|---|---|
| Field Term FinanceStandard equipment term | Established operations buying a defined machine for ongoing business use. | Dealer / Private seller | New or used titled equipment | $25,000–$500,000 | Equal monthly payments |
| Harvest Flex CapitalSeasonal payment structure | Operations that need payment timing evaluated against a seasonal revenue cycle. | Dealer / Auction | Production agriculture equipment | $50,000–$750,000 | Seasonal or annual review |
| Rural Equipment FundingUsed and private-party equipment | Buyers comparing an older machine or a transaction outside a captive program. | Private seller / Auction | Used equipment and attachments | $15,000–$350,000 | Monthly term with asset review |
Field Term FinanceStandard equipment term - Best fit
- Established operations buying a defined machine for ongoing business use.
- Purchase channel
- Dealer / Private seller
- Equipment scope
- New or used titled equipment
- Illustrative amount
- $25,000–$500,000
- Structure to verify
- Equal monthly payments
Harvest Flex CapitalSeasonal payment structure - Best fit
- Operations that need payment timing evaluated against a seasonal revenue cycle.
- Purchase channel
- Dealer / Auction
- Equipment scope
- Production agriculture equipment
- Illustrative amount
- $50,000–$750,000
- Structure to verify
- Seasonal or annual review
Rural Equipment FundingUsed and private-party equipment - Best fit
- Buyers comparing an older machine or a transaction outside a captive program.
- Purchase channel
- Private seller / Auction
- Equipment scope
- Used equipment and attachments
- Illustrative amount
- $15,000–$350,000
- Structure to verify
- Monthly term with asset review
Read the table
Keep every assumption fixed except time.
Each row uses the same modeled amount financed and annual rate. Only the number of monthly payments changes. That isolates the term tradeoff: a longer schedule generally lowers the payment but gives interest more months to accumulate.
The table is not a quote. A provider may use a different rate, payment frequency, fee treatment, first-payment date, or structure. Some agricultural transactions use seasonal or annual schedules that this monthly model does not represent.
Choose a useful term
Match the payment horizon to the equipment’s job.
Consider expected useful life, annual utilization, repair exposure, replacement timing, and how much operating cash must remain available. A payment that fits this month can still be poorly matched if the balance lasts beyond the machine’s productive role in the operation.
Next questions
Ask what the simple monthly model leaves out.
- Are payments monthly, quarterly, seasonal, or annual?
- Does the transaction include documentation, filing, or origination fees?
- Is there a prepayment charge or other payoff condition?
- When is the first payment due?
- Does the amount financed include attachments, delivery, tax, or warranties?