Farm Equipment Financing FAQs

About Tractor Zoom

Tractor Zoom is an online marketplace that connects farmers looking to purchase farm equipment with auctioneers and dealers with available inventory. Established in 2017, we are changing the way the industry researches, values, and manages the purchase of farm equipment. By partnering with 638 auctioneers and 1304 dealer locations nationwide and multiple financial lenders, we make it easy for farmers to browse, filter, and compare dealer and auction listings side-by-side to find and purchase the equipment that best meets their operations’ unique needs.

No, Tractor Zoom is not a lending institution. We help facilitate equipment financing with our industry-leading lenders. Today, we offer an equipment financing pre-approval process to present farmers with farm equipment loan interest rates and terms from various lenders so they can select the best financing options that meet their needs.

Tractor Zoom facilitates equipment financing with lenders who provide equipment installment loan options for heavy equipment with a focus on agricultural equipment. Those lenders provide fixed and variable rate options with terms from 2 - 7 years and amounts financed of $10,000 and above.

All major categories and brands of agricultural equipment, including John Deere, Case IH, New Holland, and more are available for financing. Equipment used for commercial construction is also available for financing through Tractor Zoom.

Tractor Zoom’s main focus today is Agricultural Equipment. However, other types of equipment are supported by our featured lenders including construction and commercial use.

You must be 18 years old or otherwise have the ability to legally contract for equipment financing in your state of residence, and either a U.S. citizen or resident alien (permanent or non-permanent).

Yes. Tractor Zoom’s lending partners are available for all 50 states.

Instead of shopping and negotiating with multiple lenders to get the best rate, think of Tractor Zoom as the first-ever, interest rate comparison tool for the agriculture equipment industry. We also feature participating lenders able to help facilitate instant equipment loan decisions to get you funded faster. While there are a few companies that offer farm equipment financing, each with its own unique list of pros and cons, Tractor Zoom aims to streamline the finance process to arm you with the best rates and terms that meet your operation’s needs. We’re your one-stop shop to not only find equipment but finance it with competitive rates.

Today, Tractor Zoom facilitates equipment financing for Amur Finance, FBN Finance, and Finance Scope. We are actively in conversations with other lenders and plan to expand our network to continue to ensure farmers have the best options to finance their equipment.

Applying for Financing Pre-Approval with Tractor Zoom

Applying is easy. Visit our pre-approval application and enter the required information when prompted: Step 1 — Financing Details: Select the term length you wish to finance your equipment in from the dropdown (2-7 years), then the total amount you wish to finance (this may be the full amount or an amount after a down payment is applied). Step 2 — Basic Information: From there, provide us with some basic information on how the equipment will be used, your years in business, your estimated credit score, and your email address to access your personalized rates. Step 3 — Select a Lender: Select a lender from the results that surface to complete your application directly with them.

Tractor Zoom does not charge any fee for obtaining estimates from our network of lenders. The lender you ultimately choose to finance with may charge a documentation or closing fee.

No. Tractor Zoom does not pull your credit score to showcase finance program quotes from our network of lenders.

Your desired term length and amount to be financed; how you plan to use the equipment; years in business; estimated credit score; and contact information including email address.

No, your information is only shared with the lender you’ve selected to finalize your farm equipment loan with.

Available finance rates will be presented within 60-seconds or less of completing the Tractor Zoom pre-approval application. Final approval from each respective lender will vary. Users proceeding with loan offers noted as providing an “Instant Decision” will receive a final credit decision once their application is complete. All other applications with participating lenders are typically finalized within 2-48 hours of application depending on the time and day of the week you apply.

Yes. Based on your loan criteria, farmers who leverage the Tractor Zoom finance pre-approval process may have access to instant farm equipment loan decisions with their completed application.

Yes. Tractor Zoom passes along equipment information to the lender application for any equipment on our website. For equipment financed directly through a dealer or auctioneer, you may need to supply equipment information such as make, model, serial number, or more to finalize your application with your selected lender.

Yes and in most instances, applying ahead of time is a benefit to you because you’ll know what interest rate you’ve secured to help inform your purchase decision.

Yes. This is also a scenario where applying for financing ahead of time is beneficial as most auctions require payment the day of or within 48 hours of the sale.


Yes. Everyone is welcome to see if they pre-qualify with our participating lenders!


Farm Equipment Rates & Terms

Interest rates and available terms vary by lender. Compare rates in seconds by completing the Tractor Zoom finance application

Typically, no. However, a down payment may be required based on your credit history.

Payment plans may vary by lender but most offer monthly, biannual, or annual payment plans.

Utilize our farm equipment loan calculator to input key data points including the amount being financed, interest rate, and term length to estimate what your payment could be.

Still have questions? We’re here to help.

All rates and terms are subject to credit approval and are subject to change. Tractor Zoom does not make any financing decisions and does not guarantee the approval of financing from its finance partners. Tractor Zoom does not retain years in business or estimated credit score, all information entered is used to prepare an estimate of the interest rate and payment based on general parameters. If the finance partner elects to extend credit, the exact rate and terms will be finalized with the finance partner who is wholly responsible for making a financing decision. By selecting a partner above you agree to allow Tractor Zoom to provide that finance partner with information you have provided to start the credit application process.

Tractor Zoom is connecting farm equipment sellers and buyers faster than ever before. Finding farm equipment at auction or at a dealership has never been so easy.