Equipment Financing
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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.
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- ✓ All brands including XCMG and SANY
- ✓ New and used equipment
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John Deere Construction Equipment Financing
All G-series excavators (17G through 470G), K-series dozers, and G-series motor graders with 2024 prices and equipment lenders seasonal payment programs.
Key Facts: John Deere Construction Financing
- Manufacturer: Deere & Company (Moline, IL) | Construction HQ: Dubuque, IA
- US Manufacturing: Dubuque, IA (excavators) | Davenport, IA | Augusta, GA (graders)
- OEM Financing: equipment lenders (Johnston, IA)
- Price Range: $35,000 (17G) to $665,000+ (470G LC)
- Key Advantage: Seasonal payment programs — deferred payments for ag contractors
- 0% Promos: 0% for 48–60 months on select models — check current dealer offers
- Best Seller: 210G LC at $252,000–$315,000 (20T class excavator)
About John Deere Construction Equipment
Deere & Company (Moline, Illinois) produces a complete line of construction equipment separate from its well-known agricultural tractor line. Construction equipment manufacturing centers on Dubuque, Iowa (excavators, crawlers, skid steers) and Davenport, Iowa (larger equipment), with motor graders produced at Augusta, Georgia.
equipment lenders's seasonal payment structure is the primary reason many contractors — especially those who also farm or operate in agricultural regions — choose Deere over other brands. JD Financial allows payment deferrals during slow season months, aligned with cash flow cycles that smaller contractors experience. No other major construction OEM lender offers this flexibility to the same degree.
John Deere Excavator Financing — 17G Through 470G
| Model | Weight | Engine | New Price | Used Price |
|---|---|---|---|---|
| 17G | 1.7T | 13HP | $35,000–$46,000 | $15,000–$21,000 |
| 26G | 2.6T | 24HP | $48,000–$62,000 | $21,000–$29,000 |
| 35G | 3.5T | 24HP | $58,000–$74,000 | $26,000–$34,000 |
| 50G | 5.0T | 38HP | $72,000–$90,000 | $32,000–$42,000 |
| 60G | 6.0T | 43HP | $88,000–$110,000 | $39,000–$51,000 |
| 75G | 7.8T | 58HP | $105,000–$132,000 | $46,000–$61,000 |
| 85G | 8.5T | 66HP | $118,000–$148,000 | $52,000–$68,000 |
| 100G | 10.5T | 74HP | $138,000–$172,000 | $61,000–$79,000 |
| 135G | 14T | 100HP | $172,000–$215,000 | $76,000–$99,000 |
| 210G LC | 21T | 161HP | $252,000–$315,000 | $111,000–$145,000 |
| 245G LC | 24.5T | 177HP | $282,000–$352,000 | $125,000–$163,000 |
| 290G LC | 30T | 232HP | $338,000–$423,000 | $149,000–$195,000 |
| 350G LC | 36T | 263HP | $412,000–$515,000 | $182,000–$238,000 |
| 470G LC | 48T | 344HP | $532,000–$665,000 | $235,000–$307,000 |
John Deere Dozer Financing — 550K Through 1050K
| Model | Engine | New Price | Used Price | Best Use |
|---|---|---|---|---|
| 550K | 90HP | $120,000–$152,000 | $53,000–$70,000 | Small push dozing |
| 650K | 105HP | $148,000–$188,000 | $65,000–$86,000 | Utility contractor |
| 700K | 130HP | $182,000–$230,000 | $80,000–$106,000 | Standard production |
| 750K | 185HP | $232,000–$292,000 | $102,000–$135,000 | |
| 850K | 228HP | $295,000–$372,000 | $130,000–$171,000 | Large production |
| 1050K | 310HP | $412,000–$520,000 | $182,000–$240,000 | Heavy earthworks |
John Deere Motor Grader Financing — 620G Through 872GP
| Model | Engine | New Price | Used Price |
|---|---|---|---|
| 620G | 156HP | $188,000–$238,000 | $83,000–$110,000 |
| 670G | 177HP | $220,000–$278,000 | $97,000–$128,000 |
| 700GP | 177HP | $232,000–$292,000 | $103,000–$134,000 |
| 770G | 212HP | $265,000–$334,000 | $117,000–$154,000 |
| 772GP | 212HP | $278,000–$350,000 | $123,000–$162,000 |
| 870G | 250HP | $332,000–$418,000 | $147,000–$193,000 |
| 872GP | 275HP | $365,000–$460,000 | $161,000–$213,000 |
JD 210G vs Cat 320 vs Komatsu PC210LCi — Head-to-Head
| Criterion | John Deere 210G | Cat 320 | Komatsu PC210LCi |
|---|---|---|---|
| New Price | $252K–$315K | $258K–$305K | $278K–$348K (with iMC) |
| Seasonal Payments | JD Financial — best in industry | Not offered by equipment lenders | Not offered by KF |
| Grade Control | SmartGrade (optional add-on) | Cat Grade (optional add-on) | iMC standard |
| 3-Year Residual | 60–68% | 68–75% | 63–70% |
| US Manufacturing | Dubuque, IA | Various US plants | Peoria, IL |
| Dealer Coverage (rural) | Best — Deere in every ag county | Good | Good |
| Ag Contractor Programs | Best — JD Financial seasonal | Standard terms only | Standard terms only |
| Lender Recognition | Excellent | Best | Very good |
| Best For | Ag contractors, rural operations | General construction, best resale | Grade-sensitive work, mining |
equipment lenders — Seasonal Payment Programs
equipment lenders (JDF) is the captive financing arm for all Deere & Company products, headquartered in Johnston, Iowa. For construction equipment, JDF offers loans and leases through authorized dealers nationwide.
The most distinctive JDF program is seasonal payment structuring — particularly valuable for contractors who also farm or who operate in regions where winter or wet seasons dramatically reduce billable work. A typical seasonal program might defer payments for 3–4 months per year, with higher payments during active working months. This aligns debt service with actual cash flow, reducing the risk of missing payments during seasonal slow periods.
JDF's 0% promotional financing on construction equipment runs periodically — typically 0% for 48–60 months on select excavators and dozers. The interest savings vs a standard 7–8% rate over 60 months on a $300,000 machine exceed $60,000, making the timing of a purchase during a 0% promotion a significant financial decision.
Financing Options for John Deere Construction Equipment
| Financing Type | Provider | Best For | Typical Terms |
|---|---|---|---|
| OEM Loan w/ Seasonal Payments | equipment lenders | Ag-adjacent contractors | 36–72 months, seasonal structure |
| OEM 0% Promotion | equipment lenders | New equipment during promos | 0% for 48–60 months (periodic) |
| OEM Lease | equipment lenders | Tax optimization, upgrades | 36–60 month FMV lease |
| Bank/Credit Union Loan | Farm Credit, regional banks | Established businesses | 48–72 months, competitive rates |
| Independent Lender | ENGS, Beacon Capital, Crest | Newer businesses | 48–72 months, slightly higher rate |
| Section 179 Deduction | Any lender | Year-end tax planning | Full deduction up to $1.16M (2024) |
Ready to Finance John Deere Construction Equipment?
We work with lenders who offer equipment lenders programs and independent alternatives — including seasonal payment structures for ag-adjacent contractors.
Frequently Asked Questions — John Deere Construction Financing
What is equipment lenders and does it offer seasonal payments?
equipment lenders is the captive OEM financing arm for all Deere & Company products, headquartered in Johnston, Iowa. For construction equipment, JD Financial offers standard loans (36–72 months), leases, and 0% promotional financing (0% for 48–60 months on select models). For contractors who also do agricultural work, JD Financial's seasonal payment structure allows deferred payments — no payment for several months per year — which is the #1 reason many ag-adjacent contractors choose Deere over competing brands.
Where are John Deere construction machines manufactured?
John Deere construction equipment is manufactured primarily at Dubuque, Iowa (excavators, crawlers), Davenport, Iowa (large equipment), and Augusta, Georgia (motor graders). The Dubuque and Davenport plants make John Deere genuinely American-made — a meaningful differentiator for contractors and lenders who prefer domestic product chains.
How does equipment lenders's 0% construction equipment financing work?
equipment lenders periodically offers 0% APR financing on select construction equipment models — typically 0% for 48–60 months on excavators, dozers, and graders during promotional windows. These promotions require: purchase through an authorized John Deere dealer, credit approval (typically 680+ FICO), and sometimes a minimum down payment. The interest savings at 0% vs a market rate of 7–9% over 60 months on a $250,000 excavator can exceed $50,000 — making 0% timing a significant financial decision.
What is the best John Deere excavator for financing?
The John Deere 210G LC ($252,000–$315,000 new) is the most popular John Deere excavator for financing — it's the 20-ton class machine that competes directly with the Cat 320 and Komatsu PC210. The 85G ($118,000–$148,000) is the most popular compact excavator for smaller contractors. Both models are widely available used, making lender approval straightforward.
How does John Deere compare to Cat and Komatsu for financing?
For financing purposes: Cat 320 gets the best lender recognition and has the highest resale value (68–75% three-year residual). Komatsu PC210LCi wins on iMC grade control standard. John Deere 210G wins specifically for contractors who also operate farms or agricultural businesses — JD Financial's seasonal payment program lets payments align with cash flow, which equipment lenders and equipment lenders do not match.
What is the John Deere SmartGrade system?
John Deere SmartGrade is Deere's grade control technology that provides automatic grade control on select excavator models. Unlike Komatsu's iMC (which is standard on LCi models), SmartGrade is an optional upgrade on John Deere excavators — adding $15,000–$25,000 to the purchase price. When financing a SmartGrade-equipped machine, the technology adds measurable residual value because contractors pay a premium for grade-capable used machines.