Construction Financing

Day in and day out, John Deere is behind you.

At John Deere Financial, we’re focused on listening to you and understanding what is most important to you. We respect that you prefer working with a company you can count on to meet your changing needs, and who provides easy access to flexible financing throughout the good and tough times. We don’t just provide construction equipment financing; we build long-term relationships through trust.

We’re dedicated to delivering superior value while providing you with the construction equipment you need and the financing solutions you appreciate. So, whether you need a lease or installment loan to acquire construction equipment you can count on John Deere to deliver. You’ll also find our financing programs easy to understand, convenient, and customizable to your particular situation.

Apply Now

  • Download the credit application in PDF format. 
  • Complete the application and save or print.
  • Be sure to sign the application. 
  • Either fax to 800-826-8267 or take the completed application to your local John Deere dealer.

And use our handy John Deere Financial QuikCalc™ Payment Estimator to get an estimate of your equipment payment amount.


If you’re thinking about adding new construction equipment to your operation, you might want to consider leasing it from John Deere Financial.

Leasing equipment can free up your cash and increase liquidity. Leasing typically requires less cash up front and the monthly payments are generally lower. There are other reasons, too, such as enabling you to schedule equipment replacement.

But before you consider a lease – or any other type of equipment financing option – you need to consider the effect these four issues have on managing your cash flow:

  • Cash on hand
  • Down payments
  • Monthly payments
  • Overall cost


Every contractor’s business is different and no two have the same needs … which is why we’re so focused on listening to you and understanding your particular needs.

We finance most equipment sold by your dealership, and the program we’ll set up for you is based on our understanding of the contracting industry and the financial side of contracting.  We have “Fair Market Value” operating leases as well as those with “Stated Purchase Options.” And we also offer leases with $1.00 buyouts. All leases can be structured with terms ranging from 12 to 60 months.

Installment Loans

Owning your own construction equipment and building equity in it can be an attractive option, especially if you’re planning to own it more than five years. You can also depreciate the asset to reduce your taxable income.

When it comes to installment loans, John Deere Financial has the flexibility to meet your business needs. We have payment terms ranging from 12 to 60 months, generally structured with monthly payments. We know that seasonal weather conditions or shutdowns can be an issue. Not a problem with John Deere Financial … we can structure your loan up-front with skip payments to help you through those difficult months.

Flexible  Options

Accelerated payments
Start with a smaller down payment, then make larger payments for the first few months to build equity quickly.

Alternate collateral
By pledging a "free and clear" machine as additional collateral, you provide increased security with no out-of-pocket costs.

Skip payments
If you experience a period of decreased workflow, you can avoid monthly equipment cost concerns by scheduling skip payments into your John Deere Financial retail instalment finance. The equity you build during your busy season carries over into the downtime.

Variable-rate contracts
This type of contract generally provides lower payments than a fixed-rate contract, improving your cash flow. And even though rates fluctuate with market changes, your monthly payment will remain the same. If an adjustment is needed, it will be calculated at the final payment.

In addition to our competitive rates, flexible terms and payments, we can design any of these special solutions to fit your unique business needs. For more information on our retail instalment finance, see your John Deere dealer.

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