Financing

Choose How to Apply

Apply Yourself

Complete the Terrace Finance application online, on your own schedule. It takes about 5 minutes.

Apply Over the Phone

Call Ag Central’s sales team. Our Sales Associate will complete the financing application with you.

Call Ag Central to Apply Ag Central Sales · (859) 207-9653

Business hours: Monday–Friday, 8 AM–5 PM Eastern Time.

Calling after hours? Calls are automatically routed to our mobile sales phone, where an Ag Central Sales Associate can also assist. If we miss you, leave a message so we can return your call.

Online Application

Provided by Terrace Finance. Approval is not guaranteed. Terms and availability depend on lender requirements.

Trouble viewing the form? Open the application in a new tab

Financing Questions?

Select a question for a quick answer.

What does my credit score mean for financing?

All credit profiles are welcome to apply. Stronger credit may provide more financing options, but your score alone does not determine approval.

Lenders also consider factors such as income and credit history. The calculator provides a shopping estimate, not a financing approval or lender offer.

Is this in-house financing?

No. Financing is arranged through Terrace Finance’s network of lenders, not directly through Ag Central. Our Sales Associates can help you complete the application.

How long does applying take?

About 5 minutes. Apply online yourself, or call Ag Central and a Sales Associate can complete the application with you over the phone.

Call Ag Central

When will I hear back?

Some lenders use automated decision-making, while others review applications manually. Automated decisions are typically received within 15 minutes of the application being received.

For manual reviews or business applications, applicants typically receive a decision within 24 hours of submission. Timing varies by lender.