Harvest Terms™ is a seasonal financing program that allows farmers, ranchers, and rural property owners to purchase eligible John Deere parts, service, attachments, and technology solutions today with 0% APR financing and no payments until after harvest. The benefit is improved cash flow, reduced downtime, and the flexibility to complete maintenance and upgrades when they are needed most.
What Are Harvest Terms™ and How Do They Work?
Keeping equipment in peak operating condition requires ongoing investment in maintenance, repairs, and technology. Unfortunately, those expenses don't always align with your operation's cash flow cycle.
Harvest Terms™ financing helps bridge that gap.
Available through the John Deere Multi-Use Account™, Harvest Terms™ allows qualified customers to purchase eligible parts, service, and technology solutions today while delaying payment until after harvest.
Key benefits include:
- 0% APR financing
- No payments until November 15, 2026
- Improved cash flow management
- Access to available Multi-Use Account™ credit
- Flexible purchasing options throughout the season
Rather than postponing critical maintenance or upgrades, Harvest Terms™ allows you to prepare equipment when it matters most and pay after harvest revenue comes in.
Who Can Benefit from Harvest Terms™ Financing?
Harvest Terms™ is designed for farmers, ranchers, and rural property owners throughout Nebraska, Colorado, and Wyoming.
This financing option is especially valuable for customers who:
- Need preventative maintenance before planting or harvest
- Want to replace worn parts before they fail
- Are planning off-season repairs
- Need precision agriculture technology upgrades
- Want to spread maintenance costs over the production cycle
Whether you're maintaining a fleet of row-crop equipment or caring for a single utility tractor, Harvest Terms™ can help keep your operation moving forward.
What Qualifies for Harvest Terms™ Financing?
Harvest Terms™ financing is intended to support equipment uptime and operational efficiency.
Eligible purchases may include:
- John Deere replacement parts
- Preventative maintenance kits
- Filters and fluids
- Batteries
- Belts and hoses
- Wear parts
- Precision Ag technology
- StarFire™ 7000 receivers
- G5 and G5Plus displays
- JDLink™ connectivity solutions
- Service and repair labor
- Select attachments and implements
Harvest Terms™ cannot be used toward the purchase of new or used equipment. Contact your local 21st Century Equipment location for complete program details and eligibility requirements.
Why Do High Plains Producers Use Harvest Terms™?
Agriculture across Nebraska, Colorado, and Wyoming presents unique challenges that require proactive equipment management.
Weather windows are short, labor is limited, and downtime can quickly become expensive during planting, haying, irrigation, and harvest seasons.
Many producers use Harvest Terms™ to complete maintenance before equipment enters the field, reducing the risk of unexpected breakdowns when timing matters most.
High Plains Maintenance Pro Tips
Operation Type | Local Strategy |
|---|---|
Irrigated Corn Operations | Schedule combine inspections and order wear parts before late-summer demand increases lead times. |
Wheat Producers | Replace cutterbar components and inspect driveline systems immediately after harvest while equipment is still in the shop. |
Hay Operations | Complete baler and mower-conditioner maintenance before first cutting rather than competing for service appointments during peak season. |
Ranch Operations | Service chore tractors and feeding equipment before winter weather creates transportation and scheduling challenges. |
Precision Ag Users | Install StarFire™ 7000 receivers and update displays before planting season to maximize accuracy and reduce setup delays. |
Multi-Machine Operations | Consolidate annual maintenance purchases under Harvest Terms™ to simplify budgeting and improve cash flow management. |
These practical strategies are commonly used by successful producers across the High Plains to reduce downtime and improve productivity.
How Can Harvest Terms™ Help Improve Cash Flow?
One of the biggest advantages of Harvest Terms™ is the ability to align maintenance expenses with your operation's revenue cycle.
Instead of paying for repairs, parts, and technology upgrades during planting or growing season, you can take care of those needs now and pay after harvest.
Benefits include:
- Preserve working capital during critical production periods
- Complete maintenance before breakdowns occur
- Improve equipment reliability
- Reduce unexpected repair costs
- Better manage annual operating expenses
- Prepare equipment before seasonal demand increases
For many operations, that flexibility can make it easier to stay ahead of maintenance needs without disrupting day-to-day operations.
Which John Deere Technologies Can Help Maximize Productivity?
Many customers use Harvest Terms™ to upgrade precision agriculture tools that improve efficiency and decision-making.
Popular solutions include:
- StarFire™ 7000 Receiver
- G5 Display
- G5Plus Display
- AutoTrac™ Guidance
- JDLink™ Connectivity
- John Deere Operations Center™
- Section Control
- Machine Documentation Tools
These technologies help operators improve accuracy, reduce overlap, optimize inputs, and gain valuable operational insights throughout the season.
Where Can You Learn More About Harvest Terms™ Financing?
The team at 21st Century Equipment understands the challenges faced by producers across the High Plains.
Whether you're working near Scottsbluff, Alliance, Sidney, Imperial, Sterling, Burlington, Wray, Fort Morgan, or any of the communities we serve, our team can help you determine which purchases qualify and how Harvest Terms™ can fit into your operation.
Expert Insight
"The producers who experience the least downtime are usually the ones who plan maintenance before the season starts. Harvest Terms™ gives customers the flexibility to purchase the parts, service, and technology they need before equipment enters the field, helping avoid costly delays when every hour counts."
— 21st Century Equipment Service Manager
Ready to Prepare for the Season Ahead?
Harvest Terms™ financing gives you a practical way to invest in maintenance, repairs, parts, and technology today while delaying payment until after harvest.
Talk with your local 21st Century Equipment team to learn more about Harvest Terms™ eligibility, available financing options, and how you can keep your equipment operating at its best throughout the year.
Disclaimer
Offer valid on qualifying purchases made between 01 June 2026 through 30 September 2026 and is subject to approved credit on a Multi-Use Account™, a service of John Deere Financial, f.s.b. No down payment required. 0.0% APR until 15 November 2026. After the promotional period, interest charges will begin to accrue at the regular Multi-Use Account™ rate. For agricultural/commercial use only. Available at participating dealers, see your local dealer for complete details.
