THE LATEST JOHN DEERE PRODUCTS ARE WITHIN YOUR REACH WHEN YOU FINANCE WITH JOHN DEERE FINANCIAL.
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1 GET EASY ACCESS TO JOHN DEERE FINANCIAL ONLINE. Manage all your accounts online in one convenient location at MyJDFAccount.com. Be the first to know about the latest John Deere products, special financing, and other valuable offers. Sign up for our First-To-Know s at JohnDeere.com/First2Know. See all special finance offers currently available at JohnDeere.com/SpecialOffers. THE LATEST JOHN DEERE PRODUCTS ARE WITHIN YOUR REACH WHEN YOU FINANCE WITH JOHN DEERE FINANCIAL. Installment and Lease See all our latest products and equipment at JohnDeere.com/Ag. When you re ready to buy, visit your nearest dealer to apply for financing. Find your dealer at JohnDeere.com/Dealer. Multi-Use Account To apply, go to JohnDeereFinancial.com/ApplyNow. Manage All Accounts View statements and make payments at MyJDFAccount.com or to speak to a representative call: Installment & Lease Multi-Use Account Monday Friday: 7:00 a.m. 6:00 p.m. CT Saturday: 8:00 a.m. 12:00 p.m. CT Visit us today at JohnDeereFinancial.com. JOHN DEERE FINANCIAL YOUR TRUSTED RESOURCE FOR ALL THINGS AG. Find seasonal input finance offers at JohnDeere.com/InputFinancing. Follow John Deere on Multi-Use Accounts are a service of John Deere Financial, f.s.b. CR Litho in U.S.A. (15-08)
2 DEDICATED TO YOUR FINANCIAL SUCCESS. John Deere Financial offers you value that no other lender can through the unique combination of a deep agricultural understanding, equipment expertise, and personalized financial solutions to make owning and operating equipment and financing crop inputs easy and affordable. As dedicated John Deere employees, we understand the value your equipment brings to your operation, and we re committed to acting as your trusted advisors. Plus, our wide variety of personalized financial products is designed to give you a cash flow advantage season after season. The people at John Deere Financial understand my business. They re always good to work with and go out of their way to make financing stress-free. Luther Munsinger, Coin, IA PEOPLE WHO KNOW AG John Deere Financial employees have hands-on experience with equipment and farming operations, so dealers and merchants can rely on us so they can help you make the right financial decisions. We offer thorough financial training to our employees, dealers, and retail partners to help them improve your cash flow. We deliver solutions tailored to your specific needs and situations through our close partnership with your John Deere dealer and other retail partners. For generations, we ve been dedicated to supporting customers in both good and challenging times. John Deere Financial understands the needs of farmers, and they also are considerate of the fact that farming is a risk. But a necessary risk. White Brothers Farm, Senatobia, MS PRODUCTS TO HELP YOU THRIVE We offer a wide variety of financial products and services that make it easy to purchase equipment, parts and service, and crop inputs. See how our finance solutions can benefit you. Installment Loan Allows you to conveniently package equipment, implements, extended warranties, and technology solutions on one simple installment loan. Improves cash flow with flexible payment structures and fixed or variable rates. Lease Makes it easy to acquire the latest equipment and technology with generally lower up-front costs and payments. Allows you to pay for use of equipment, rather than the full cost of equipment. Helps you hold on to cash reserves to grow your operation or acquire more equipment. Multi-Use Account Offers a convenient way to pay for all your everyday John Deere dealership purchases, like parts, service, attachments, inspections, AMS technology, and more. Allows you to finance crop inputs and farm supplies on your account with options to pay after harvest. Helps you save money and improve cash flow with flexible payment terms and No-Payment/No-Interest programs. Accepted at more than 9,000 agribusiness retailers, regional seed companies, and recognized input manufacturers to give you convenient access to low-rate financing, special terms, and financial expertise through all your ag providers.
3 Frequently asked questions Q: What makes leasing preferable to an installment loan? A: You pay only for the use of the equipment. Whether you choose a short-term lease (two to three years) or a long-term lease (four to five years), your payment will only be for the selected term. Q: What sort of down payment can I expect with a lease? A: A lease generally requires one annual payment up front. The up-front payment is also known as an advance payment. Q: I ve always owned my equipment. Why should I start leasing now? A: Leasing lets you use the equipment only as long as you need it, and then return it with no further obligation. Compare costs. Make sure you ask your John Deere dealer to give you a quote for an installment note and a lease. Q: Will I have lower payments with a loan or a lease? A: In most cases, a lease gives you lower payments. Since cash flow is often a concern in business operations, leasing may be a great alternative to installment. In addition, leases do typically provide lower payments, and are also typically set up on a shorter term. Q: Why package the lease with PowerGard? A: Keeping unexpected costs to a minimum is important for your operation. On select equipment, the purchase of PowerGard will not increase the lease payment and will qualify your equipment for warranty throughout the term of the lease. On short-term leases, your equipment may still have remaining warranty at lease maturity, which may add value to your equipment at lease maturity. CR Litho in U.S.A. (17-02)
4 PURCHASE LEASE? A Guide to Equipment Leasing
5 Equipment financing: Which option is right for you? Equipment is more than machinery it s your livelihood. The difference between getting by and getting ahead. You ve taken an important step forward in considering John Deere to meet your needs. But now the question is, How should I pay for my equipment? What is your objective to own equipment, or to operate it at the lowest cost per hour? Advantages Cash The transaction is over and done with immediately There s less paperwork You own the equipment outright from day one All Leases * Finance Lease * Operating Lease * Depending on term, advance lease payment less than down payment Flexible terms and payments Increased cash flow Intent to purchase at lease maturity Higher payment may build equity Lower purchase option Can deduct depreciation for taxes Off-balance sheet financing No intention to own Lower payments Deduct payment for taxes Paying only for equipment usage Right to return equipment Right to exercise purchase option Scheduled equipment replacement Newer fleet with less downtime Lower maintenance costs Risk averse Loan You own the equipment when you re done paying for it You can depreciate the equipment The equipment appears as an asset on your balance sheet There are no hour limits Rent Good for short-term projects, especially when the equipment is not likely to become part of your regular operation Disadvantages You run the risk of depleting your cash reserves and coming up short in an emergency Investing in and growing your business operation is generally worth more than the cost of financing Depending on the lease type, your equipment does not count as an asset on your financial statement (off-balance sheet financing) Subject to annual hour restrictions Unable to deduct payment for taxes Additional risk of ownership Subject to hour restrictions if lessee decides to walk away Additional maintenance Hour restrictions May be responsible for damages at lease maturity Unable to deduct depreciation for taxes Higher up-front requirement (i.e., down payments) Payments are typically higher than a lease payment Tendency to keep equipment in fleet too long, causing high repair costs No ownership Not a good option for long-term needs Generally higher payments Can be time-consuming, with travel time to pick up and return equipment * The Financial Accounting Standards Board (FASB) has issued new GAAP accounting guidelines, which are effective in the near future, that provide for most leases to be recorded on the lessee s balance sheet. Please work with your accounting and tax advisors to determine any impact this may have on your decision to lease or purchase.
6 Questions to consider when making the decision to lease or purchase Consider your specific needs, explore your financing options, and make an informed decision based on the facts. And as your needs change, we can help you determine the right option for the future. Our leasing options are a low-cost, low-risk alternative to purchasing equipment outright or taking on an installment loan. Leasing is not as complicated as it seems. And since it can help cash flow, it s worth checking into. John Deere Financial knows which questions to ask to determine if leasing is right for you: Is my operation stable, expanding, or downsizing? What are my cash flow needs? How long do I need the equipment? What is my advisor saying about my tax situation? Am I risk averse? Is ownership important to me? Is running the newest and latest technology important to my operation? Is running equipment under warranty important to my operation? Work with your accountant/tax advisor and your John Deere dealer to determine which financing solution makes the most sense for your operation. It may even be a mix of installment financing and leasing. Compare your financing cost Some believe that leasing is the most expensive form of financing because at the end of the term you still have to pay the purchase option in order to own the machine. However, this thought overlooks several key facts: This is only true if you purchase the equipment. If the equipment is not purchased, it can be returned, giving you a lower equipment-use cost than with installment notes. Total lease payments are almost always less than the original cash price of the equipment. The money saved with lower cash up front and low lease payments can be reinvested into your business operation. When comparing costs, it s important to take a comprehensive approach and consider all the factors involved such as total payment costs, total costs including payments and purchase option, your internal rate of return (IRR), time value of money (TVM), and accounting and tax implications. We recommend you consult your accountant/tax advisor to determine which financing solution makes the most sense for your operation. Structured properly, your overall lease cost can be lower than that of a loan and much lower than the cost of paying cash.
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