Weighing two programs head to head? Read AgDirect vs John Deere Financial — a source-cited comparison of published rates, channels, and terms.

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Results compare the facts above with public program facts only. They are not eligibility, prequalification, approval, personalized advice, or an offer.

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10 providers shown

direct lender

AgDirect

A Farm Credit-backed equipment-financing program with separate documented paths for dealer, auction, private-party, and refinancing transactions.

Stale claims removed

Dealer equipment loan or lease

Geography
Available across the continental United States; transaction availability can vary by Farm Credit territory.
Purchase channels
dealer
Products
loan, lease, refinance
Condition
new, used
Equipment
tractor, combine, hay, planting, irrigation, other
Amount range
Unknown from reviewed sources
Term range
Unknown from reviewed sources
Payments
Unknown from reviewed sources
Application path
online, phone, dealer, local office
Published rates
Not found on reviewed pages

Auction and private-party equipment financing

Geography
Available across the continental United States; transaction availability can vary by Farm Credit territory.
Purchase channels
auction, private party
Products
loan, lease
Condition
used
Equipment
tractor, combine, hay, planting, other
Amount range
Unknown from reviewed sources
Term range
Unknown from reviewed sources
Payments
Unknown from reviewed sources
Application path
online, phone, local office
Published rates
Not found on reviewed pages
farm credit cooperative

Farm Credit Mid-America

A customer-owned Farm Credit association offering equipment loans through online and local-office processes in a defined multi-state territory.

Verified

Farm equipment and tractor loan

Geography
All Indiana and Tennessee counties plus defined portions of Arkansas, Kentucky, Missouri, and Ohio; confirm county-level service on the official territory page.
Purchase channels
dealer, auction, private party
Products
loan, refinance
Condition
new, used
Equipment
tractor, combine, hay, planting, other
Amount range
From $2,000
Term range
Unknown from reviewed sources
Payments
Unknown from reviewed sources
Application path
online, local office
Published rates
Not found on reviewed pages
manufacturer captive

John Deere Financial

John Deere's captive finance program documents installment-loan and lease choices, including used agricultural equipment offered through local John Deere dealers.

Verified

Farm equipment loan or lease

Geography
John Deere describes farm-equipment financing across the United States through its dealer network; product availability remains transaction-specific.
Purchase channels
dealer
Products
loan, lease
Condition
used
Equipment
other
Amount range
Unknown from reviewed sources
Term range
Unknown from reviewed sources
Payments
Unknown from reviewed sources
Application path
online, dealer
Published rates
Not found on reviewed pages
government program

USDA Farm Service Agency

A federal farm-loan program whose direct operating loans can finance farm equipment for eligible family farmers and ranchers who cannot obtain reasonable commercial credit.

Verified

Direct Farm Operating Loan

Geography
Administered through local FSA offices across the United States; funding availability and applicant eligibility are evaluated by FSA.
Purchase channels
Unknown from reviewed sources
Products
loan, government supported
Condition
Unknown from reviewed sources
Equipment
other
Amount range
Up to $400,000
Term range
Up to 84 months
Payments
Unknown from reviewed sources
Application path
local office
Published rates
Not found on reviewed pages
marketplace broker

Ag Resource Management (ARM)

Ag Resource Management (ARM) is an agriculture-exclusive lender whose equipment offering is a lease and financing program arranged through third-party agricultural equipment funding providers rather than paper ARM holds itself. The reviewed pages publish no equipment rates, terms, amounts, or eligibility thresholds. Included editorially as a documented representative shortlist entry, not whole-market coverage.

Verified

Farm equipment leasing (third-party funded)

Geography
ARM reports serving farmers nationwide across 16 agricultural regions through local offices (HQ Addison, TX); a complete list of individual states served is not enumerated on the reviewed pages.
Purchase channels
Unknown from reviewed sources
Products
loan, lease
Condition
new, used
Equipment
tractor, combine, irrigation, other
Amount range
Unknown from reviewed sources
Term range
Unknown from reviewed sources
Payments
Unknown from reviewed sources
Application path
online, phone, local office
Published rates
Not found on reviewed pages
government program

Iowa Beginning Farmer Loan Program (Aggie Bond)

Iowa's Beginning Farmer Loan Program (Aggie Bond), run by the Iowa Agricultural Development Division under the Iowa Finance Authority (Iowa Code 16.75), provides below-market financing to Iowa beginning farmers for purchases that include depreciable machinery and equipment, funded via federal tax-exempt bonds through participating local lenders. It is distinct from the federal USDA FSA entry.

Verified

Beginning Farmer Loan Program (Aggie Bond)

Geography
Statutory eligibility requires the beginning farmer to be an Iowa resident and the depreciable agricultural property to be located in Iowa; administered by the Iowa Agricultural Development Division under the Iowa Finance Authority.
Purchase channels
Unknown from reviewed sources
Products
loan, government supported
Condition
new, used
Equipment
other
Amount range
Up to $250,000
Term range
Unknown from reviewed sources
Payments
Unknown from reviewed sources
Application path
local office
Published rates
Not found on reviewed pages
marketplace broker

Currency (CurrencyFinance)

Currency (Express Tech-Financing, LLC dba Currency), operating the CurrencyFinance brand, is an equipment-financing marketplace that connects agricultural buyers to a network of third-party lenders rather than lending directly. Its ag page advertises financing up to $500,000 with terms up to 72 months across dealer and auction channels. Its Legal page discloses it will not act as the lender.

Stale claims removed

Ag & Farm Equipment Financing

Geography
Currency serves the U.S. and Canada; consumer financing is unavailable in certain states per a site disclaimer whose full list was truncated on the reviewed page. Licensed as a lender or loan broker in many states under NMLS ID 1857954.
Purchase channels
dealer, auction
Products
loan, lease, refinance
Condition
new, used
Equipment
tractor, combine, hay, planting, other
Amount range
Up to $500,000
Term range
Up to 72 months
Payments
Unknown from reviewed sources
Application path
online, phone, dealer
Published rates
Not found on reviewed pages
direct lender

National Funding

National Funding is a nationwide online direct lender and lessor whose farm-equipment financing and leasing is a supported agriculture vertical. Official pages publish a low entry bar (6 months in business, FICO over 575, a vendor equipment quote), new-or-used eligibility with no down payment, financing up to $150,000, and online or phone application. Rates are not published.

Verified

Farm equipment financing and leasing

Geography
Stated nationwide U.S. coverage; official pages report over $4.5 billion in funding to more than 75,000 businesses nationwide. No state-level restrictions were found in reviewed sources.
Purchase channels
dealer
Products
loan, lease
Condition
new, used
Equipment
tractor, combine, other
Amount range
$5,000–$150,000
Term range
24 months–60 months
Payments
monthly
Application path
online, phone
Published rates
Not found on reviewed pages
marketplace broker

Lendio

Lendio is a US small-business financing marketplace (not a direct lender) that routes a single free online application to 75+ third-party lenders. Its agriculture vertical names farm equipment/machinery financing up to $5 million with 1-5 year terms. Published eligibility is 6 months in business, $8,000+ monthly income, and a 600+ credit score. Rates are not published; terms are set by the funding lender.

Verified

Agriculture financing marketplace (equipment vertical)

Geography
Nationwide United States availability; the business-loans page notes California-specific licensing handled through a subsidiary. Whether any state is excluded from the agriculture vertical is Unknown from reviewed sources.
Purchase channels
Unknown from reviewed sources
Products
loan, line of credit, government supported
Condition
Unknown from reviewed sources
Equipment
other
Amount range
$5,000–$5,000,000
Term range
12 months–60 months
Payments
Unknown from reviewed sources
Application path
online, phone
Published rates
Not found on reviewed pages
marketplace broker

Swoop Funding (US)

Swoop Funding LLC is a US commercial finance marketplace and broker (a Delaware LLC, not a lender) that matches farm businesses with third-party lenders. Its agricultural equipment vertical offers finance for new and used machinery from dealers or private sellers, with seasonal-cashflow scheduling and a published 640 minimum FICO. Firm amounts, terms, and rates are not published; Swoop is paid commission by lenders.

Verified

Agricultural equipment finance (third-party matched)

Geography
Swoop Funding LLC is a Delaware LLC serving US corporations; no specific state list or exclusions were found in reviewed sources, treated as nationwide US per the /us/ site scope.
Purchase channels
dealer, private party
Products
loan, lease
Condition
new, used
Equipment
tractor, other
Amount range
Unknown from reviewed sources
Term range
Unknown from reviewed sources
Payments
monthly, seasonal
Application path
online
Published rates
Not found on reviewed pages