Agricultural Equipment Financing
0% Down Available — All AGCO Brands
Axiant Partners finances Challenger, Fendt, Massey Ferguson, Gleaner, and all other AGCO brands. 0% down for qualified borrowers. Terms 36–84 months.
- ✓ 0% down for qualified borrowers
- ✓ All AGCO brands — Fendt, Challenger, MF, Gleaner
- ✓ New and used equipment
- ✓ Seasonal deferred payment available
- ✓ Decision in 24–48 hours
Get a Free Quote in 60 Seconds
AGCO Equipment Financing — Challenger, Fendt, Gleaner, Massey Ferguson
Finance any AGCO brand through a single application with AGCO Finance. Challenger tractors ($85K–$400K), Fendt ($120K–$500K+), Gleaner combines ($250K–$550K), and the full MF lineup.
Key Facts: AGCO Equipment Financing
- Parent Company: AGCO Corporation | HQ: Duluth, GA
- Key Brands: Challenger, Fendt, Massey Ferguson, Gleaner, Valtra, AGCO Hesston
- OEM Financing: AGCO Finance (single program for all brands)
- Challenger Price Range: MT500 ($85K) to MT900 ($400K)
- Fendt Price Range: 200 Vario ($120K) to 1100 Vario ($500K+)
- Gleaner Combines: S67 ($250K) to S98 ($550K+)
- US Manufacturing: Jackson, MN (Challenger), Hesston, KS (hay equipment)
About AGCO Corporation
AGCO Corporation, headquartered in Duluth, Georgia, is the world's third-largest agricultural equipment manufacturer by revenue (behind John Deere and CNH Industrial). Founded in 1990 when a management team acquired the assets of Deutz-Allis, AGCO has grown through acquisitions to own some of the most recognized agricultural equipment brands globally.
The AGCO brand umbrella covers a wide range of market segments: Fendt serves the premium European market with precision agricultural technology, Massey Ferguson provides reliable mid-range equipment globally, Challenger targets large North American row-crop operations with its distinctive rubber-belt track tractors, Gleaner serves loyalists who prefer the brand's rotary combine design, and Valtra serves Nordic markets. AGCO Hesston, the hay and forage brand, competes directly with New Holland's H series and John Deere's hay lineup.
For financing, AGCO Finance is the critical advantage — a single application can finance equipment across all AGCO brands simultaneously. A farm buying a Challenger tractor, Gleaner combine, and AGCO Hesston square baler can finance all three on one application. AGCO Finance operates through the authorized dealer network and processes applications with competitive speed and terms.
Challenger Tractor Financing — MT Series Pricing
| Series | HP Range | Track Type | New Price Range | Used Price (3–5 yr) | Notes |
|---|---|---|---|---|---|
| MT500 Series | 140–200HP | Rubber belt tracks | $85,000–$130,000 | $42,000–$68,000 | Mid-size track tractor |
| MT700 Series | 205–295HP | Rubber belt tracks | $120,000–$180,000 | $60,000–$94,000 | Large row-crop track |
| MT800 Series | 295–370HP | Rubber belt tracks | $175,000–$300,000 | $88,000–$158,000 | High-acre production |
| MT900 Series | 370–570HP | Rubber belt tracks | $250,000–$400,000 | $125,000–$210,000 | Flagship — largest Challenger |
Fendt Tractor Financing — Vario Series Pricing
Fendt (Marktoberdorf, Germany) is AGCO's premium brand and the technology leader in the AGCO portfolio. The Vario CVT (continuously variable transmission) is Fendt's defining feature. In the US market, Fendt has been growing rapidly but still has fewer dealers than John Deere or Case IH, which affects independent lender familiarity with residual values.
| Series | HP Range | New Price Range | Used Price (3–5 yr) | Notes |
|---|---|---|---|---|
| Fendt 200 Vario | 75–115HP | $120,000–$155,000 | $62,000–$80,000 | Compact/utility, CVT standard |
| Fendt 300 Vario | 100–130HP | $135,000–$175,000 | $70,000–$90,000 | Versatile mid-range |
| Fendt 700 Vario | 165–230HP | $185,000–$260,000 | $96,000–$135,000 | Premium row-crop |
| Fendt 800 Vario | 220–290HP | $235,000–$320,000 | $122,000–$166,000 | High-acre row-crop |
| Fendt 900 Vario | 270–390HP | $285,000–$400,000 | $148,000–$208,000 | Large farm production |
| Fendt 1100 Vario | 390–517HP | $380,000–$500,000+ | $198,000–$280,000 | Flagship — most powerful Fendt |
Gleaner Combine Financing — S and R Series
| Model | Engine HP | Threshing System | New Price | Used Price (3–6 yr) |
|---|---|---|---|---|
| Gleaner S67 | 315HP | Rotary | $250,000–$320,000 | $108,000–$165,000 |
| Gleaner S77 | 370HP | Rotary | $295,000–$370,000 | $128,000–$192,000 |
| Gleaner S87 | 420HP | Rotary | $340,000–$430,000 | $148,000–$222,000 |
| Gleaner S98 | 476HP | Rotary | $420,000–$550,000+ | $182,000–$286,000 |
AGCO vs John Deere vs CNH Industrial — Financing Comparison
| Criterion | AGCO | John Deere | CNH Industrial |
|---|---|---|---|
| OEM Financing Arm | AGCO Finance | John Deere Financial | CNH Industrial Capital |
| Promotional 0% Programs | Moderate | Best in industry | Competitive — seasonal |
| Brands Covered | Challenger, Fendt, MF, Gleaner, Valtra | John Deere only | Case IH, New Holland, Steyr |
| Independent Lender Pool | Good — MF/Challenger recognized | Largest — all lenders know JD | Excellent |
| Fendt US Dealer Network | Growing — still smaller than JD | Largest in US | Comparable to AGCO |
| Gleaner Combine Resale | Good — loyal used market | Best — S series liquid market | Comparable |
| Challenger Tractor Resale | Strong — unique rubber track niche | Comparable (8RT) | Comparable (Steiger) |
| Single-Application Multi-Brand | Yes — all AGCO brands one app | N/A — one brand | Yes — CNH brands |
| US Manufacturing | Jackson MN, Hesston KS | Waterloo IA, Ottumwa IA | Racine WI, various plants |
AGCO Finance — OEM Financing Details
AGCO Finance serves as the single captive financing program for all AGCO brands in North America. This is a significant operational advantage — a farm that mixes brands (e.g., a Challenger tractor with a Gleaner combine and AGCO Hesston hay equipment) can finance the entire fleet through a single lender relationship at the dealer level.
Standard AGCO Finance loan terms run 36–84 months for new equipment. Seasonal deferred payment programs are offered annually, typically allowing spring planting purchases with first payments deferred until late fall. These programs are particularly popular in corn-belt states where farm income is concentrated in fall grain sales.
For Fendt equipment specifically, AGCO Finance is often the best first option — Fendt's smaller US dealer network means fewer independent lenders have deep familiarity with Fendt residual values, and AGCO Finance prices the risk most accurately. Farm Credit institutions and AgDirect are also reliable options for Fendt, but may require 10–15% down vs. potential 0% down through AGCO Finance for well-qualified buyers.
AGCO Equipment Financing Options
| Financing Type | Provider | Best For | Typical Terms |
|---|---|---|---|
| OEM Loan | AGCO Finance | New equipment, all brands | 36–84 months, seasonal promos |
| OEM Lease | AGCO Finance | Lower payments, tech upgrades | 36–60 month FMV lease |
| Farm Credit Loan | Farm Credit institutions | Established farms, best rates | 60–84 months, competitive fixed |
| AgDirect | Farm Credit Services of America | Online, fast approval | 48–84 months |
| Independent Lender | ENGS, Beacon, Crest Capital | Newer businesses | 48–72 months |
| Section 179 Deduction | Any lender | Year-end tax planning | Full deduction up to $1.16M (2024) |
Ready to Finance AGCO Equipment?
Get matched with lenders who specialize in Challenger, Fendt, Massey Ferguson, and Gleaner — across the full AGCO brand portfolio.
Related Agricultural Equipment Financing Guides
- Agricultural Equipment Financing — Complete Overview
- John Deere Tractor Financing
- Massey Ferguson Tractor Financing
- Challenger Tractor Financing — MT500 to MT900
- Kubota Tractor Financing
Frequently Asked Questions — AGCO Equipment Financing
What brands does AGCO own?
AGCO Corporation (headquartered in Duluth, Georgia) owns Challenger (rubber-track and wheeled tractors), Fendt (premium German tractors and combines), Massey Ferguson (global mid-range brand), Gleaner combines, Valtra (Nordic tractors), AGCO Hesston (hay and forage equipment), RoGator and TerraGator (application equipment), and GSI (grain storage). AGCO Finance provides OEM financing for all brands through a single captive financing program.
How does AGCO Finance work for equipment buyers?
AGCO Finance is the captive financing arm of AGCO Corporation and operates through authorized AGCO dealers across all brands. Applications are submitted at the dealer level and typically receive same-day or next-day decisions for established businesses. AGCO Finance offers loans (36–84 months), finance leases, and operating leases. Seasonal deferred payment programs align with planting and harvest seasons. One important note: AGCO Finance is a single program covering all AGCO brands — a buyer purchasing both a Fendt tractor and a Gleaner combine can apply once and finance both.
Is Fendt equipment hard to finance?
Fendt is a premium German brand with a smaller US dealer footprint than John Deere or CNH. This means independent lenders may be less familiar with Fendt-specific residual values, though AGCO Finance handles Fendt without difficulty. Fendt's strong resale in Europe doesn't fully translate to the US secondary market, where parts availability and dealer proximity matter more. For Fendt buyers, AGCO Finance is often the best first call. Independent lenders like Farm Credit and AgDirect will finance Fendt but may require a slightly larger down payment (10–15% vs 0–10% for John Deere).
What are Gleaner combine financing terms?
Gleaner combines ($250,000–$550,000 new) are financed through AGCO Finance with standard terms of 60–84 months for new machines. Gleaner has a loyal following in the Midwest — the rotary design is valued by soybean farmers — but the brand's smaller market share vs John Deere and CNH means fewer independent lenders are familiar with Gleaner-specific values. Farm Credit institutions and AgDirect will finance Gleaner. Used Gleaner combines (3–7 years old) typically require 15–20% down through independent lenders due to thinner secondary market data.
How does AGCO compare to John Deere and CNH for financing?
John Deere Financial is consistently rated the strongest captive ag financing program in the US — frequent 0% promotions, deep lender recognition, and the most liquid used equipment market. CNH Industrial Capital (Case IH / New Holland) is a strong second. AGCO Finance is competitive on paper but AGCO's smaller US market share means fewer independent lender options if AGCO Finance doesn't work out. Fendt in particular has a narrower independent lending pool. For buyers who want maximum financing flexibility, John Deere or CNH-branded equipment offers more options.
Can I finance Challenger rubber-track tractors?
Yes — Challenger MT series rubber-track tractors (MT500 through MT900, $85,000–$400,000) are financed through AGCO Finance with the same programs as wheeled AGCO tractors. The rubber-belt track system is a significant financing-friendly feature: tracks distribute weight and reduce soil compaction, making the tractors highly valued on large grain farms. Challenger MT800 and MT900 series hold strong residual values in the 45–55% range at 5 years. See our dedicated Challenger Tractor Financing guide for model-by-model pricing.