COVID-19 Update 8.5.21

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Farm Equipment Loans

Agricultural Financing for Commercial Farm & Ranch Machinery and Repair

Rural life and equipment go hand in hand. From tractors and other utility vehicles to specialty equipment, Southern AgCredit can finance virtually all of your equipment needs, large or small with flexible, affordable farm equipment loans.

  • We can finance up to 100% loan to purchase price, depending on total collateral offered
  • Repayment options of monthly to annual payments
  • Terms from 1 to 7 years, depending on age and condition of equipment

Use our loan calculator to help estimate your payments.

While you can finance virtually any equipment that you need for your farm, some common equipment items are listed below.

General Farm & Ranch Equipment Loans

  • Compact Utility Tractors
  • Row Crop Tractors
  • Earth Moving Tractors
  • Sprayers
  • Excavators & Backhoes
  • Loaders
  • Water Trucks
  • Equipment Trailers
  • Generators
  • Work Platforms
  • 4x4s and ATVs

Harvesting Equipment Loans

  • Swathers and windrowers
  • Harvesting combines
  • Forage harvesters and blowers

Irrigation Equipment Loans

Reduce the number of your annual irrigation events and save money with an updated irrigation system. Application will be easier and your row crop operation more efficient. The latest irrigation systems include scheduling tools and soil moisture sensors. Equipment loans for irrigation equipment cover everything you need, including:

  • Computerized hole selection management systems such as Pipe Planner
  • Pipes
  • Pumps
  • Moisture sensors
  • Surge valves
  • Multiple Inlet Rice Irrigation (MIRI) systems

Hay & Straw

  • Harvesting Combines
  • Balers
  • Disc Mowers
  • Wheel Rakes
  • Mergers


Time is of the essence when you need to seed a large area. Newer planting equipment is fast, precise, and allows you to fertilize as you go. Our equipment loans cover industrial planting and seeding equipment, including:

  • Tillers
  • Seeders
  • Planters
  • Air drills
  • Air Carts
  • Application Equipment

Get an Equipment Loan with Southern AgCredit

By submitting a loan inquiry form below, you’ll be contacted by a Southern AgCredit loan officer shortly. Then, they will work with you to submit a loan application to finance new or used equipment for your farm, whether you buy the equipment from a dealership, an auction, or via private sale.

If you have any questions about the loan process, do not hesitate call your local branch.

Complete the form below to have a local Southern AgCredit loan officer review your information. A representative will follow up with you within 24 hours. (48 hours if submitted on a Saturday.)