John Deere Equipment Financing Guide

John Deere Equipment Financing — Complete Model Guide

John Deere produces the broadest equipment lineup in agriculture and construction — compact utility tractors starting at $12,000, row-crop tractors up to $852,000, combines up to $1,000,000+, and construction equipment from mini excavators to large crawler dozers. This guide covers every major product line, pricing, equipment lenders programs, and how to choose the right financing structure for your operation.

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$12K–$1M+John Deere Price Range

36–84 moLoan Terms Available

0%Promo Rate (qualified buyers)

SeasonalPayment Options Available

Key Facts: John Deere Equipment Financing

Compact Tractor$12,000–$65,000

Row Crop Tractor$200,000–$850,000+

Combine Harvester$250,000–$860,000+

Excavator$35,000–$665,000

OEM Financeequipment lenders

Seasonal PaymentsAvailable

OEM Financing Program

equipment lenders — Program Details

equipment lenders is the captive finance arm of Deere & Company, operating directly through the authorized John Deere dealer network. It is one of the largest agricultural equipment finance companies in the United States. Key programs include:

0% for 48–60 months (ag equipment): Periodic promotional offers on new current-model-year agricultural equipment for qualified buyers (680+ credit).
0% for 24–36 months (construction): Periodic promotional offers on new John Deere construction equipment.
Seasonal Payment Structure: Payments aligned to farm revenue cycles — reduced payments during planting and growing seasons, larger payments post-harvest.
PowerGard Maintenance Plans: Scheduled maintenance and protection bundled into the financed amount. Covers engine hours or years of operation.
Certified Pre-Owned (CPO) Program: Multi-point inspected used John Deere equipment with transferable warranty and competitive financing rates.
Fleet Account Programs: Volume financing for contractors and large farming operations purchasing multiple units.

For applications, equipment lenders processes through your authorized dealer. Same-day approvals are common on machines under $150,000. Larger equipment typically closes in 1–3 business days. See also our agricultural equipment financing guide and construction equipment financing guide.

Product Line Pricing

John Deere Tractors — All Models & Prices

John Deere's tractor lineup spans compact utility tractors, utility tractors, mid-range tractors, and large row-crop and four-wheel-drive tractors. Prices shown are approximate MSRP for base configurations. Final price varies with options, headers, and dealer negotiation. For financing details, see our dedicated tractor financing guide.

Model	Engine HP	Approx. Price (New)	Category
1023E	23 HP	$12,000–$16,000	Compact Utility
1025R	25 HP	$14,000–$18,000	Compact Utility
2025R	25 HP	$16,000–$22,000	Compact Utility
3025E	25 HP	$20,000–$27,000	Compact Utility
3038E	38 HP	$27,000–$36,000	Compact Utility
4044R	44 HP	$38,000–$50,000	Utility Tractor
4066R	66 HP	$50,000–$65,000	Utility Tractor
5045E	45 HP	$38,000–$50,000	Utility Tractor
5115M	115 HP	$80,000–$105,000	Mid-Range Utility
6105R	105 HP	$85,000–$112,000	Mid-Range Row Crop
6175R	175 HP	$130,000–$170,000	Mid-Range Row Crop
7250R	250 HP	$225,000–$295,000	Large Row Crop
8R 280	280 HP	$332,000–$435,000	Large Row Crop
8R 410	410 HP	$435,000–$570,000	Large Row Crop
9R 440	440 HP	$468,000–$615,000	4WD Tractor
9RX 640	640 HP tracked	$648,000–$852,000	Tracked 4WD

Combine Harvesters

John Deere S/X Series Combines — All Models & Prices

John Deere S-series and X9 combines are the most widely financed grain harvesting machines in North America. Strong resale values and widespread lender familiarity make combine financing straightforward. For deep coverage, see our combine harvester financing guide.

Model	Class	Approx. Price (New)	Notes
S660	Class 6 (small)	$250,000–$350,000	Entry-level S-series
S760	Class 7 (mid)	$350,000–$470,000	Mid-capacity operation
S780	Class 8 (large)	$470,000–$580,000	High-volume row crop
S790	Class 9 (flagship)	$530,000–$650,000	Flagship S-series
X9 1000	Two-drum system	$700,000–$860,000+	High-yield corn/beans
X9 1100	Largest combine	$800,000–$1,000,000+	Maximum throughput

For combine-specific financing comparisons see our John Deere vs Case IH Combines guide.

Construction Equipment

John Deere Construction Equipment — All Models & Prices

John Deere's construction equipment division covers excavators, crawler dozers, skid steers, and wheel loaders. All are eligible for equipment lenders's construction programs. For brand-specific construction financing, see our John Deere construction equipment financing guide.

Model	Type	Approx. Price (New)	Notes
17G Mini Excavator	Mini Excavator	$35,000–$46,000	1.7-ton class
50G Mini Excavator	Mini Excavator	$72,000–$90,000	5-ton class
135G Excavator	Medium Excavator	$172,000–$215,000	13.5-ton class
210G Excavator	Medium Excavator	$252,000–$315,000	21-ton class
350G LC Excavator	Large Excavator	$412,000–$515,000	35-ton class
750K Crawler Dozer	Crawler Dozer	$412,000–$510,000	Mid-size dozer
1050K Crawler Dozer	Crawler Dozer	$750,000–$950,000	Large dozer
324G Skid Steer	Skid Steer Loader	$55,000–$72,000	Compact track/wheeled
344G Wheel Loader	Wheel Loader	$125,000–$158,000	Mid-size loader

Brand Comparison

John Deere vs Competing Brands — At a Glance

John Deere

🇺🇸 Moline, Illinois USA

Largest agricultural machinery manufacturer in the world. OEM financing through equipment lenders with seasonal payment options.

Case IH

🇺🇸 Racine, Wisconsin (CNH Industrial)

Primary John Deere competitor. Financed through equipment lenders. Strong in high-horsepower tractors and Case IH AFS technology.

AGCO (Fendt / Massey)

🇩🇪 Fendt / 🌍 Global AGCO

Fendt is the premium European brand. AGCO Finance provides OEM programs. Strong resale values in specialty/vegetable crop markets.

New Holland

🇺🇸 / 🇮🇹 CNH Industrial

Shares equipment lenders financing with Case IH. Competitive in hay equipment and mid-range tractors. Widely financed by ag lenders.

Kubota

🇯🇵 Japan (US HQ: Grapevine, TX)

Dominant in compact and sub-compact utility tractors under 100 HP. equipment lenders offers competitive OEM financing.

Caterpillar

🇺🇸 Irving, Texas USA

No agricultural equipment, but direct construction competitor for Deere excavators and dozers. equipment lenders is a strong OEM lender.

Financing Comparison

equipment lenders vs Competing OEM & Independent Lenders

Factor	equipment lenders	Case IH equipment lenders	AGCO Finance	Independent Lenders
0% Promo Rate Available	Yes (48–60 mo ag)	Yes (competitive)	Yes (periodic)	No
Seasonal Payment Structure	Yes — robust	Yes	Limited	Rarely available
CPO Program	Yes — up to 7 yrs old	Yes	Limited	N/A
PowerGard/Maintenance Bundle	Yes — bundled into loan	Yes (extended service)	Limited	No
Construction Financing	Yes — same platform	Yes (Construction)	No	Yes
Application Speed	Same-day under $150K	Same-day under $150K	1–2 days	1–5 days
Multi-Brand Financing	No — Deere only	No — CNH brands only	No — AGCO brands only	Yes — any brand
Competitive Rates (non-promo)	Market rate	Market rate	Market rate	Often lower rate

For a deep dive into the brand competition, see our John Deere vs Case IH Tractors guide.

Equipment Financing

0% Down Available on All Brands

Axiant Partners finances all major equipment brands — Caterpillar, Komatsu, John Deere, XCMG, SANY, and 200+ more. 0% down available for qualified borrowers regardless of brand. Terms 36–84 months.

✓ 0% down for qualified borrowers
✓ All brands including XCMG and SANY
✓ New and used equipment
✓ Startups and established businesses
✓ Decision in 24–48 hours

Get Financing Options → 📞 (919) 907-2611

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Common Questions

John Deere Equipment Financing — FAQ

How do I qualify for equipment lenders's 0% financing promotion?

equipment lenders's 0% promotional financing on agricultural equipment (typically 0% for 48–60 months) requires a credit score of 680+ and is available only on new current-model-year equipment purchased through an authorized John Deere dealer. Promotions run seasonally — typically in fall and spring at major agricultural events. The zero-percent offer applies to the base machine price; add-ons and attachments may not qualify. You must apply and receive approval through equipment lenders directly at the dealer. Business entity (LLC, S-Corp) purchases may require additional documentation.

How does John Deere's seasonal payment structure work?

equipment lenders's seasonal payment program aligns loan payments to farm cash flow. Rather than equal monthly payments, farmers pay reduced or deferred amounts during planting and pre-harvest months, with larger payments scheduled around harvest time when grain sales generate income. A typical seasonal structure on a $300,000 tractor might require $0 payments in March–May and October, then $9,000–$12,000 payments in November–January to match corn and soybean harvest proceeds. This structure significantly reduces financial stress for row-crop farmers who have lumpy annual income.

Can I finance a used John Deere tractor or combine?

Yes. Used John Deere equipment is among the most financeable used agricultural equipment in the US due to deep lender familiarity and strong resale values. equipment lenders's Certified Pre-Owned (CPO) program covers machines up to 7 years old that pass a multi-point inspection, offering competitive rates with transferable warranty coverage. Third-party ag lenders (Farm Credit, regional banks, specialty equipment lenders) readily finance used John Deere tractors and combines. Typical terms: 48–72 months, 10–15% down, 6–9% APR depending on year and condition.

How does equipment lenders compare to Case IH equipment lenders?

equipment lenders and equipment lenders (Case IH, New Holland) offer comparable OEM financing programs. Key differences: equipment lenders tends to have slightly more aggressive seasonal payment structures for row-crop farmers, while equipment lenders competes aggressively on 0% promotional rates at dealer events. Both offer CPO programs, fleet accounts, and maintenance/warranty bundles. For farmers already in one brand's ecosystem, the OEM lender is usually the best starting point. Independent lenders often beat both on rate but lack seasonal payment flexibility.

Can I finance John Deere construction and agricultural equipment at the same time?

Yes. equipment lenders offers separate lending products for agricultural and construction equipment and can finance both simultaneously. Fleet account programs are available for contractors or farmers purchasing multiple machines. The underwriting looks at total debt service capacity across both loans. For farmers expanding into construction (land clearing, grading), bundling financing through equipment lenders can simplify the process. Third-party lenders can also combine agricultural and construction equipment on a single credit facility.

Can I bundle PowerGard maintenance into my financing?

Yes. John Deere's PowerGard maintenance and extended protection plans can be rolled into the financed amount through equipment lenders. This means the maintenance cost is spread over the loan term rather than paid upfront. PowerGard covers scheduled maintenance and parts for the coverage period — typically 2–5 years or a defined number of engine hours. Bundling makes budgeting predictable but does increase the total financed amount and total interest paid. Evaluate whether the coverage cost is competitive with your dealership's service rates before bundling.

What credit score does equipment lenders require?

equipment lenders's standard programs typically require a personal credit score of 650–680+ for competitive rates. Promotional 0% programs generally require 680+. Established farming operations with strong balance sheets and land equity may qualify even with lower credit scores through the business underwriting track. Newer operators with limited credit history are often evaluated on farm cash flow, land owned, and existing John Deere relationship with the dealer. For scores below 620, third-party specialty lenders or Farm Credit associations are better options.

Can I take the Section 179 deduction on John Deere equipment?

Yes. John Deere tractors, combines, excavators, and other agricultural and construction equipment are fully eligible for the Section 179 deduction in the year of purchase, provided the equipment is used for business purposes 50%+ of the time. The 2024 Section 179 deduction limit is $1,220,000. A farmer financing a $450,000 8R 280 tractor can deduct the full purchase price in year one, dramatically reducing taxable income. Bonus depreciation provides additional first-year deductions. Consult your tax advisor to optimize timing.

Ready to Finance Your John Deere Equipment?

From a $14,000 compact tractor to an $850,000 9RX tracked tractor, explore financing options from lenders who specialize in John Deere and agricultural equipment.

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Informational resource only. Not an offer of credit or guarantee of approval. Terms vary by lender and equipment type.