Sprayer Financing
Self-propelled and pull-type crop sprayers, new or used, for farms and custom applicators, with annual, semi-annual or monthly payments.
Self-propelled and pull-type crop sprayers, new or used, for farms and custom applicators, with annual, semi-annual or monthly payments.
Updated September 2026
Sprayer financing is a loan or lease secured by the sprayer, over 3–7 years, with annual or semi-annual payments for a farm and monthly payments for a custom applicator with steady invoices. A new self-propelled sprayer costs roughly $350K–$700K and a new pull-type sprayer $60K–$150K. Because a self-propelled machine covers several times the acres of a pull-type one, the financing decision usually starts with acres: how many you spray, and how many more you could spray for others.
| Typical amount | $40K for a used pull-type sprayer to $700K for a new self-propelled unit |
|---|---|
| Rates | 6–22% APR |
| Terms | 3–7 years |
| Payment schedule | Annual or semi-annual for farms; monthly for custom applicators |
| Down payment | 10–20%, often covered by trade-in equity |
| Technology | Boom section control, rate control and guidance financed with the machine |
| Used sprayers | Engine hours, boom condition and plumbing drive the value |
| Speed | Days for a clean file; apply before spring |
| Equipment | New | Used |
|---|---|---|
| Pull-type sprayer (1,000–1,600 gal) | $60K–$150K | $15K–$75K |
| Self-propelled sprayer (90–100 ft boom) | $350K–$500K | $120K–$300K |
| Self-propelled sprayer (120–132 ft boom) | $500K–$700K | $200K–$400K |
| Three-point or front-mount sprayer | $15K–$60K | $5K–$30K |
Typical 2026 pricing. Boom width and material, tank size, nozzle-by-nozzle control, camera-based targeted spraying and dry-box attachments add to the invoice.
Illustrative level payments on the amount financed, shown per payment period.
| Example | Financed | APR · term | Payment |
|---|---|---|---|
| New pull-type sprayer, annual over 5 years | $110K | 9% · 5 yrs, annual | $28,280/yr |
| Used self-propelled sprayer, annual over 5 years | $250K | 9% · 5 yrs, annual | $64,270/yr |
| New self-propelled sprayer, custom applicator, monthly | $550K | 8.5% · 72 mo | $9,780/mo |
A pull-type sprayer costs a fraction of a self-propelled machine and uses a tractor the farm already owns. A self-propelled sprayer costs far more, but it covers several times the acres per day, keeps the tractor free for other work, and gets across the field in the narrow windows that weather and crop stage allow. Operators who spray a few thousand acres a year usually do well with a pull-type unit; operators who spray many thousands, or who sell spraying to neighbors, can justify self-propelled.
Lenders see the same arithmetic. A large self-propelled payment is easiest to approve when the acres, your own and any custom acres, are documented.
A farm is paid when the crop is sold, so sprayer financing on a farm usually runs on annual or semi-annual payments with the first payment after the machine’s first season. Custom applicators and ag retailers bill customers through the season and can carry monthly payments. Tell the lender which you are; the schedule, and the documents it asks for, follow from it. Interest accrues between payments either way, so an annual schedule costs slightly more than monthly on the same balance.
Boom section control, individual nozzle control, automatic boom height, guidance and camera-based targeted spraying can cut chemical use substantially, which is often how a new sprayer earns back its premium. Hardware installed on the machine at purchase finances with it. Software subscriptions and correction signals are services, paid as they come due. If you are moving a guidance receiver or display from an older machine, only the new machine needs financing.
Used self-propelled sprayers are widely available, often coming off lease or trade cycles after a few seasons. What to check:
Farm machinery is generally untitled, so on a private sale the lender relies on a bill of sale and its UCC filing, runs a lien search and pays the seller directly. At an auction, get pre-approved before sale day.
Manufacturer programs sometimes offer very low rates on new sprayers, usually in place of a cash rebate and only on that brand’s new equipment. Compare the promotional rate with financing independently and taking the rebate. Most sprayer deals include a trade, and equity in the trade-in usually covers the 10–20% down payment. If the trade still has a balance, the payoff is handled at closing.
A financed sprayer qualifies for Section 179 like a cash purchase, up to $2,560,000 for tax years beginning in 2026, when placed in service by December 31. Confirm the treatment with your CPA.
Chemical, seed and fertilizer purchases are better funded with a revolving business line of credit than added to the sprayer payment; seasonal business financing covers the options. For the tractor that pulls a pull-type sprayer, see tractor financing, or the full range at farm equipment financing. To finance the sprayer, apply once at equipment financing.
Yes. Used self-propelled sprayers finance routinely. Lenders look at engine hours, boom condition, plumbing and control systems, and how old the machine will be at the end of the term.
Yes. Farms commonly choose annual or semi-annual payments timed to crop sales. Custom applicators and ag retailers with steady monthly invoicing usually choose monthly payments.
A new self-propelled sprayer typically costs about $350,000 to $700,000 depending on boom width and technology. Used machines run about $120,000 to $400,000.
Financed over five annual payments at 9% APR, $250,000 is about $64,270 per year. A $110,000 pull-type sprayer on the same terms is about $28,280 per year.
It usually comes down to acres. A pull-type sprayer suits operations that spray a few thousand acres a year with a tractor they already own. A self-propelled sprayer covers far more acres per day and suits large farms and custom applicators.
Yes. Custom applicators are underwritten on their customer list, acres sprayed and deposits, and usually pay monthly rather than annually.
One application goes to 100+ funding partners, with no impact on your credit score. Send a quote or invoice and we will come back with real numbers.
