Financing
Pay over time
Orders under $1,000 split into 4 interest-free payments with Shop Pay, on eligible orders and subject to approval. Larger orders, most of our equipment, split into 3, 6, 12, 18 or 24 monthly payments, from 0% to 36% APR depending on your credit. Checking your options at checkout does not affect your credit score. Shop Pay Installments is provided by Affirm; see lender terms for full details.
Open 24/7, the Cedar Hill, Texas office, not a call center
Four steps
Pay over time: 3 to 24 monthly payments, 0-36% APR, subject to approval. Checking your options won't affect your credit.
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1
Add your equipment to the cart
Pick the machine and configuration you want. Nothing changes about how you order.
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2
Choose Shop Pay Installments at checkout
Select it as your payment method. It sits alongside card and the other options.
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3
Get a real-time decision
Checking your options at checkout does not affect your credit score.
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4
Pay monthly by debit card or bank transfer
Your term and APR are set by the lender at approval, from 0% to 36% APR depending on your credit.
- 0-36% APRSet by the lender at approval, based on your credit
- No credit-score impact to checkChecking your options at checkout won't affect it
- 3 to 24 monthly paymentsTerm options depend on order value and approval
- Financing a larger order?Call or text (817) 587-4397
What you actually get
Orders under $1,000 split into 4 interest-free payments with Shop Pay, on eligible orders and subject to approval. Larger orders — most of our equipment — split into 3, 6, 12, 18 or 24 monthly payments, from 0% to 36% APR depending on your credit. Checking your options at checkout does not affect your credit score. Shop Pay Installments is provided by Affirm; see lender terms for full details.
Most of what we sell costs between $1,000 and $5,000, so most of our customers land in the monthly band, not the four-payment band. We would rather tell you that up front than have you find out at checkout.
What we don't decide
Farmer Direct Supply does not set your rate, your term or the approval decision. The lender does, at the point you apply. We don't publish a monthly payment figure for a product because we don't know what your rate will be until Shop Pay tells you.
Plan around the full cost
Free standard shipping is included on orders delivered within the United States. Depending on the equipment and destination, your total project may also include sales tax, optional delivery services, unloading equipment, assembly, installation, site preparation and accessories.
- Confirm the exact product configuration and current price.
- Check what's included and what you'll buy separately.
- Work out what you need on site to get it off the truck — freight is curbside and you unload it.
- Compare the lender's disclosures against your operating budget before you commit.
Questions worth asking before you apply
- Does the financed amount include tax, accessories or optional services?
- What rate and term did the lender actually offer — not the advertised range?
- When does repayment begin, and what happens if the order changes?
Financing a larger order? Shop Pay Installments covers orders from $35 up to $30,000, and orders over $20,000 require an upfront down payment. Above that, call or text (817) 587-4397 and we'll talk through the options.
Financing is subject to application, credit approval and provider terms. Request a quote so you know the number you're financing before you apply.
Financing questions
What will my payments actually be?
Orders under $1,000 split into 4 interest-free payments with Shop Pay, on eligible orders and subject to approval. Larger orders, most of our equipment, split into 3, 6, 12, 18 or 24 monthly payments, from 0% to 36% APR depending on your credit. The exact term and rate are set by the lender when you're approved, not by us.
Does checking affect my credit score?
No. Checking your options at checkout does not affect your credit score. A completed application may involve further checks by the lender.
Who actually provides the financing?
Shop Pay Installments is provided by Affirm. See lender terms for full details. Farmer Direct Supply does not set the rate, the term or the approval decision.
Is there financing above $30,000?
Shop Pay Installments covers orders from $35 up to $30,000, and orders over $20,000 require an upfront down payment. If your order is larger than that, call or text (817) 587-4397 and we'll talk through the options.
Next step
Know what it costs before you apply
Tell us the machine and the job. We'll send pricing and configuration so you know the number you're financing, within 12 business hours.