# Planters (Row Crop) Financing through John Deere

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Last modified: 2026-05-29T19:39:17+00:00
Type: efin_brand_equipment

## Summary

Planters (Row Crop) financing through John Deere.

## Content

John Deere Planters (Row Crop) financing covers loans, leases, and EFAs for new and used John Deere planters (row crop). We finance through independent lenders alongside John Deere's captive financing programs, with rate ranges driven by credit tier and asset price.Buying John Deere Planters (Row Crop)John Deere is one of the recognized OEM brands in planters (row crop). Typical asset price for new John Deere planters (row crop) is around $280,000; used units are typically 30-60% of new cost depending on age and condition. Both new and used qualify for equipment financing.Financing options for John Deere Planters (Row Crop)Independent equipment loan through our partner-lender network. New or used. Standard tier-based rates. You own the equipment.$1 buyout lease. Lease structure that economically transfers ownership at term-end for $1. Same tax treatment as a loan.FMV lease. Lower monthly payment, fair-market-value buyout at term-end. Often best for fast-depreciating or technology-refresh categories.John Deere captive financing. Promotional rates sometimes available on new equipment. Check at the dealer.How to decideGet a captive quote from the John Deere dealer. Note APR (not factor rate), term, fees, and any conditions.Ask for the cash price separately. Sometimes the promotional financing price is higher than the cash price.Get an independent-lender quote at /apply/.Compare total cost of ownership across both paths.What lenders look at for John Deere planters (row crop)Equipment age (new vs used; age at maturity matters for used)Hour meter or mileage (for vehicles and powered equipment)Maintenance records (for used units)John Deere model and configuration (some configurations have stronger resale)Standard borrower factors: FICO, time in business, revenue, equipment-use case