Tractor Financing & Credit

A tractor, an implement or a mower, new or pre-owned. Our online credit application works for each of them. The tractors are Mahindra at our Conroe, Navasota, Normangee and Buna stores, and Bad Boy at Bryan. The implements run from loaders and box blades to shredders. The mowers are the ones each store carries. Whatever it is, pick the machine before you sit down to apply, because the form asks about the machine you have in mind. Browse our inventory on j5tractors.com first. Planning to buy a tractor and an implement together? Ask the store about that.

It asks who you are, where you live, where you work and what you make. It also asks about the machine you have in mind and for a down payment figure. It doesn't quote one. That's the whole of it, so there's no stack of papers to gather. Applying with a spouse or a partner? Switch to the joint application. Sit down when you have a few minutes and your details close at hand. Once you send it in, it's reviewed by staff. Apply online with our easy online credit application whenever it suits you.

Either one works. The application is online, so you can fill it out at the kitchen table at night. Or come by any of our five stores in Bryan, Conroe, Navasota, Normangee and Buna, and fill it out at the counter. It's the same application either way. Want to see the machine in person first? Come look at it, then apply that evening from home. Live a drive from the nearest store, out past Spring or over toward Orange? Starting at home can save you a trip. Pick whichever suits you.

Yes. Used equipment valued over $2,500 can be financed. That goes for a pre-owned tractor, a used implement or a used mower. You fill out the same online credit application you'd use for a new machine. Nothing extra gets asked because a machine has hours on it. Start with our pre-owned inventory on j5tractors.com, where our five stores list their used units. Used units come and go as they sell, so the one you liked may not wait long. Call the store to ask whether a particular unit is still there, then apply.

Yes. A trade-in can go toward your down payment, whether it's a tractor, an implement or a mower. The store sets the value of your trade-in, so bring the machine you're moving on from to the store that serves you. Then use that value in the down payment figure the form asks for. You still apply for the machine you're buying, not the one you're trading. Anything past that is a question for the store. Call the store and ask before you load the old one on a trailer.