CLAAS Financial Services offers a wide-range of financial solutions. It doesn’t matter if you are purchasing a new forage harvester, combine harvester, hay tool or any other of the innovative and award winning CLAAS products – we’ve got the products and services to meet your unique needs.

Streamlined Application Only Process.

We provide application only credit decisions up to $600,000 (new customers) and $750,000 (aggregate for current customers) on new and used equipment with the completion of our online or PDF equipment finance application. Credit decisions are generally provided in less than four hours, with larger transactions, requiring additional financial information, generally provided within a day.

Competitive Rates.

As a direct lender we are able to provide very competitive rates when financing any of the equipment in the CLAAS product line. We offer terms up to 84 months, depending on the equipment financed.

Customized Payment Structures.

We acknowledge that every customer’s business is unique. As such, we customize payment structures based on your need and business cycle. We offer annual, semi-annual, quarterly and monthly payment options.

Minimal Upfront Costs.

It does not require a large financial investment to initiate financing with CLAAS Financial Services. We generally require only the first payment in advance or 20% equity (trade or cash) in the total transaction for annual payments, and 10% equity for monthly pays.

Equipment Finance Agreements.

Also known as an Installment Sales Contract, this agreement allows the borrower to build equity in the equipment as they make each payment. As a result, they may be able to claim the benefits of ownership for IRS purposes.

Operating Leases.

This contract allows the lessee to acquire the use of the equipment for a low monthly payment (or other agreed upon payment structure) and a term that is less than the equipment’s useful life. An operating lease is not shown on a balance sheet (off-balance sheet financing); however, the lessee can expense the monthly payments. At the end of the lease term, the lessee can return the equipment to the lessor, trade in the equipment, or purchase the equipment for its fair market value.

Pro Leases

The balloon-like payment structure allows the customer enter the agreement with a low upfront cost, while also maintaining a low payment.

The primary difference between the CFS Operating Lease and the Pro Lease is that the customer does not have the option of returning the equipment to CFS at the end of term. The options available are to 1) purchase the equipment at the residual value, 2) trade with the dealer for a new piece of equipment (value/equity of traded equipment will be determined by the selling dealer) or 3) extend the Pro Lease for one year.

Tax Exempt Leases

These contracts are specifically for lessees with tax-exempt status. Many U.S. state universities and city, county, and state governments qualify for these leases. This status enables us to pass on the tax savings to these entities through lower monthly payments.

Enhanced Lease Options are available on most self-propelled CLAAS products. Contact your local dealer to learn more!*

To initiate financing, contact your selling dealer or call 866-657-1442, or email us at

CLAAS Financial Services is not a tax advisor. You should consult your tax advisor regarding the tax implications of any of our financing products.

* Subject to dealer participation. Find the nearest CLAAS dealer for details here.