Find answers to frequently asked questions about John Deere Financial hours of operation, contacts, and general customer account information.
You may contact Customer Service by phone, email, or mail.
If you currently have a My Financial Account, you can login to your account at MyFinancialAccounts.deere.com and select the "Chat with us" feature.
Our Customer Service representatives are available by phone from 7:00 AM to 6:00 PM (Central Time), Monday through Friday.
If you are unsure of your account type, please review your statement or Contact Us.
You can access all this and more by going to MyFinancialAccounts.deere.com or using the MyFinancial app. Features listed above may vary depending on account type.
Register and log in to MyFinancialAccounts.deere.com or use the MyFinancial mobile app, which can be downloaded in either the Google Play or Apple App stores.
A credit reference request with your account number and signature should be faxed to John Deere Financial at 1-800-592-5291 or sent via mail to:
John Deere Financial
ATTN: Customer Service
P.O. Box 5328
Madison, WI 53705
The credit reference will be sent via fax or mail within 24-48 business hours.
For audit requests, please submit the following information to John Deere Financial:
Email: [email protected]
Fax: 1-800-592-5291
Mail to:
John Deere Financial
ATTN: Customer Service
P.O. Box 5328
Madison, WI 53705-0328
A Preferred Account customer has completed an application and been approved by John Deere Financial, receiving access to purchasing power at more than 9,000 locations nationwide.
A Merchant Authorized Account customer can only use this account at the merchant location that established and authorized the account.
You have several options for making payments.
You can sign up online by selecting the Payment Options then Auto Pay from your account screen on MyFinancialAccounts.deere.com, using the MyFinancial app, or you can submit this form online.
Automatic payments can be set up for the amount due on your statement or an amount of your choosing as long as it is more than your scheduled payment amount.
No, these options are offered at no charge to our customers.
Payments made before 5:00 PM (Central Time) on business days will be applied the same day. Any payments made after 5:00 PM (Central Time), will be applied the following business day.
We do not accept postdated checks. You can process same day payments or schedule payments up to 60 days out through MyFinancialAccounts.deere.com or the MyFinancial app.
You can pay with a debit card through MyFinancialAccounts.deere.com or the MyFinancial app.
We do not accept payments via credit card, however Western Union is an approved payment vendor.
You can view the due dates by selecting your account from the Account Summary page on MyFinancialAccounts.deere.com, then selecting Payment Schedule at the bottom of the Account Details page. You can also obtain this information using the MyFinancial app.
Log in to your account at MyFinancialAccounts.deere.com and select Contact Us > Contact Us by Email to initiate a payment due date change request.
You can find Contact Us on your MyFinancial mobile app by navigating to the menu icon; if you are on a desktop or mobile browser, you can find Contact Us in the left navigation.
Your payment is applied to your account on the date we receive the check. Mail time can exceed 7-10 days. To make sure your payment is received on time, use our payment options through our automated phone system at 1-800-356-9033, online at MyFinancialAccounts.deere.com, or on the MyFinancial app.
Check with your financial institution to see if it has been cashed. If it has not and has been more than 10 days, your check may be lost in the mail. If it has been cashed, check your balance online at MyFinancialAccounts.deere.com, on the MyFinancial app, or thorough our automated phone system at 1-800-356-9033 to see if it has been applied since your statement. If it has not, Contact Us.
Payments not received by the due date are considered late.
Payments are posted on the date they are received. To ensure posting prior to your due date, you can make a payment through our automated phone system at 1-800-356-9033, online at MyFinancialAccounts.deere.com, or on the MyFinancial app.
Past Due amounts indicate we did not receive your last payment. Log in to your account at MyFinancialAccounts.deere.com or the MyFinancial app to verify if your payment was received after your statement was generated.
If it hasn't, first, check with your financial institution to see if the check was cashed. If it was, Contact Us for further assistance.
Log in to your account at MyFinancialAccounts.deere.com or the MyFinancial app to verify your payment was applied correctly. If not, and your financial institution has cashed it, Contact Us for further assistance.
Yes, once you have been set up for My Financial Accounts at MyFinancialAccounts.deere.com, you will be able to view your statements online. You can also view this information using the MyFinancial app.
For Multi‑Use, PowerPlan, and Revolving Plan accounts: Invoices for individual purchases are maintained by the dealer or merchant where the purchase was made (i.e. a copy of an invoice can be obtained by contacting the location where the purchase was made).
For Installment accounts: There are no invoices for purchases. Customers will have an initial contract and then a statement billing for the set payment specified in the contract. However, you can request a Manufacturer's Certificate of Origin (MCO) from your dealer for installment purchases.
Your statement comes from John Deere Financial. It is the bill for payment and will include all purchases for a specific timeframe. You can view your statement online after you log into your My Financial Account at MyFinancialAccounts.deere.com, or by using the MyFinancial app.
Online at MyFinancialAccounts.deere.com, or you can Contact Us
If you haven't received your credit balance in 30-40 days, please Contact Us.
Within 30-60 days of the payoff, you will receive a paid in full confirmation. Due to differences in state laws there may be variations in documentation sent to the customer. If you have any questions please contact Customer Service.
For help reading your statement, please see the guidelines below:
Consumer
Ag, Commercial, & Governmental
No. If insurance is financed with your equipment loan, it will terminate on the maturity date of your loan OR on the day your final payment is applied to your account, whichever comes first.
If you pay off your loan prior to maturity date, any refund of insurance premium is applied against your payoff amount.
When there is a total loss, please endorse the insurance check noting your John Deere Financial account number and send to the address below. Upon receipt, funds will be applied towards the remaining loan balance or lease buyout.
Mail to:
John Deere Financial
Attn: Insurance Coordinator
P.O. Box 6640
Johnston IA 50131-6640
Please send a letter to John Deere Financial with the following information:
Mail to:
John Deere Financial
Attn: Insurance Coordinator
P.O. Box 6640
Johnston, IA 50131-6640
Upon receipt, John Deere Financial will endorse the check and return to you via Priority Mail.
Report the incident to your insurance company immediately and they will advise you of the claims process.
We recommend that you contact the dealer who sold you the equipment.
Please call the Lease Customer Service team at 1-800-275-5322 or the Matured Lease team at 1-800-488-8732 for assistance.
Yes, as the Lessee, you are responsible. The owner of the leased equipment is the Lessor (John Deere Financial) during the lease term, but since the Lessee (you) has possession of the equipment during the term of the lease; the lease contract passes all obligations of equipment maintenance and repair to you.
On average, leased equipment is inspected by a qualified dealer service technician or third party professional within 30-days of being returned. The inspection information is submitted to John Deere Financial Matured Lease, who reviews it for damages or excess use. If there are any billable charges, normally you will receive an invoice within 45-days of equipment return.
Your "regular" credit limit is for everyday essentials like fuel, parts and service and a "special terms" credit limit is for larger input purchases such as seed, fertilizer and crop protection products.
Funds will be applied to the minimum required payment on each promotion first and then any overage will be applied to the highest interest rate. If you have further questions about payment application, please Contact Us.
Please use the payment form that is included with your statement or call 1-800-356-9033.
Yes you can. The interest waiver is for 12 months. The first statement will be sent to you about one month later, so divide the amount into 11 months to pay it off.
The UCC will be released 10-20 days after the note is paid-off.
Liens will be released approximately 30 to 45 days after a payoff is applied to your account. If you have a question pertaining to an outstanding lien, please contact our UCC department at 1-888-427-8713.
UCCs are public record and copies can be obtained from the Secretary of State's office in which they were filed.
Email the request to [email protected]. The request will be reviewed and a response provided within 24-48 hours.
It is our policy to provide a written notification via mail or email regarding your matured lease options a few months prior to the maturity date of the lease.
†For qualifying customers only / subject to credit approval.
As your lease approaches maturity, you will receive a letter from John Deere Financial Matured Lease notifying you of the upcoming lease maturity and presenting options. One of the options is to extend the lease through a lease renewal.
If you wish to extend the lease for a time period different than the term options quoted in the lease renewal offer, please contact the Matured Lease Administrator using the phone number and extension in your lease maturity letter.
The lease was written for a certain term and certain hours of use and maintenance expectations. At times, hour limitations are reached or a job is completed before lease maturity. To return equipment before lease maturity:
For Ag & Turf customers contact your dealership. For Construction & Forestry customers, contact the Matured Lease team at 1-800-488-8732.
Each lease is written with a number of hours the equipment is allowed to be used during the term of the lease. This hour usage limitation is stated on the Master Lease Schedule that came with your packet of lease documentation. If equipment is used for more than this hour limit, there will be excess use hours on the lease.
There is a per-hour fee to be charged for excess use hours. The per-hour fee is also stated in the Master Lease Schedule. This fee will only be charged if the unit is returned to the dealership. Purchasing the equipment, financing the equipment, or renewing the lease do not trigger this fee.
The fee assessed for excess use hours. The amount of the fee is calculated as follows:
To determine the number of excess use hour, multiply the number of excess use hours by the amount shown in the "Excess Chrg" field on the Master Lease Schedule. The answer is the excess use hours charge.
Example: You have a 24-month lease on a tractor, written for 300 hours of use per year and an excess use charge of $45.00 per hour. At maturity, the tractor has 610 hours. 24/12 = 2 years ; 2 x 300 hours = 600 hours maximum for the lease. In this example, the tractor had 10 excess use hours. At $45/ hour x 10 hours = $450 excess use charge.
If the equipment is returned to the dealership at maturity, excess use charges are assessed. If the equipment is traded at maturity, the details are worked out between the dealer and the customer.
A general rule of thumb would be: If the trade value equals the purchase option, no excess use charges apply. If the trade value is less than the purchase option, excess use charges will be due. If the equipment is purchased at maturity, then excess use hours are not applicable.
State law in some states requires sales tax be charged on property tax. In many states sales tax is required to be added to property tax if the property tax is paid by a party (John Deere Financial) and then passed through to the end use customer (Lessee) as is the case with property taxes on leases.
Property tax is assessed and billed on various dates depending on the state and county where the equipment is located. You should contact John Deere Financial at 1-800-275-5322 to determine the dates applicable for the locations where your leased equipment is located.
Tax laws in some states require property tax be paid on commercial and agricultural equipment. These laws determine if property tax is required for your leased equipment.
Reporting and paying the property tax is the responsibility of the owner of the equipment. Leased equipment is owned by John Deere Financial. Thus, it is the responsibility of John Deere Financial to file and pay property tax on leased equipment.
John Deere Financial, as the owner of the equipment, submits property tax payments to the taxing agencies. This expense is then passed on to you (Lessee) with a one-time addition to your lease statement or an additive to each payment. The method used to collect property tax from you was determined when your lease was signed.
Provide a copy of any supporting documents and a request to correct your account to John Deere Financial at the fax number or address below. Your next invoice should reflect any applicable changes.
FAX: 1-800-254-0020
Mail to:
John Deere Financial
ATTN: Lease Customer Service
6400 NW 86th St., PO Box 6600
Johnston, IA 50131-6600
Payment of property taxes on leased equipment is the responsibility of the owner (Lessor), John Deere Financial. Forward a copy of the bill to John Deere Financial at the fax number or address below, and our tax department will work with the assessor to resolve this matter.
FAX: 1-800-254-0020
Mail to:
John Deere Financial
ATTN: Lease Customer Service
6400 NW 86th St., PO Box 6600
Johnston, IA 50131-6600
Provide a copy of any supporting documents and a request to correct your account to John Deere Financial at the fax number or address below. Your next invoice should reflect any applicable changes.
FAX: 1-800-254-0020
Mail to:
John Deere Financial
ATTN: Lease Customer Service
6400 NW 86th St., PO Box 6600
Johnston, IA 50131-6600
Provide a copy of the tax law change documents and a request to correct your account to John Deere Financial at the fax number or address below. Your next invoice should reflect any applicable changes.
FAX: 1-800-254-0020
Mail to:
John Deere Financial
ATTN: Lease Customer Service
6400 NW 86th St., PO Box 6600
Johnston, IA 50131-6600
Provide a copy of your tax exemption certificate and a request to correct your account to John Deere Financial at the fax number or address below. Your next invoice should reflect any applicable changes.
FAX: 1-800-254-0020
Mail to:
John Deere Financial
ATTN: Lease Customer Service
6400 NW 86th St., PO Box 6600
Johnston, IA 50131-6600
If your lease contract is written with a stated purchase option, it is stated on the Master Lease Schedule, which is contained in your lease documentation packet. If your lease is written with a Fair Market Value (FMV) option, there will be no stated purchase option. You will have to contact the Matured Lease team at 1-800-488-8732 to determine the current fair market value.
Please note that neither of these options are the final payoff if you choose to purchase the leased equipment at the end of the lease. The final payoff may include property tax, sales tax, outstanding payments, or any past due amounts owed from previous late payments.
Contact the Matured Leasing team at 1-800-488-8732 to request a payoff. Have your account number, business name and address, and be ready to answer questions to validate your identity. The security of your customer information is very important to us.
Your lease was written with an assumption of the value it would have at the end of the lease given the hours of use, proper maintenance, and expected condition the unit would be in if returned.
Any over-use must be taken into account at the end of the lease. Over-use is accounted for with the excess use hour charge. There is no adjustment for under-use. It is your right, however, to purchase the equipment to take advantage of any perceived equity due to the lower hour usage.
A payoff is the amount you need to pay if you wish to terminate your lease prior to your maturity date.
Payoffs are handled by the Lease Customer Service team. Please contact them at 1-800-275-5322.
Please have your account number, business name and address, and be ready to answer questions to validate your identity. The security of your customer information is very important to John Deere Financial.
If you are within six months of your maturity date, call the Matured Lease team at 1-800-488-8732.
Lease termination before lease maturity is handled on a case-by-case basis. In most cases, a termination value rate (TVR) is used to calculate the payoff amount. The remaining payments and purchase option (stated or assumed) in the lease are discounted to the present value as of the payoff request date. John Deere Financial has one of the most favorable early payoff processes of any major leasing company.
A confirmation of payoff form is not normally sent when a lease is paid off. If one is required, please contact Lease Customer Service team at 1-800-275-5322.
In the event you desire to pay off your lease, do not make the payment online. Please call 1-800-771-0681 to obtain instructions for paying the payoff amount. At the time of your call, we will make arrangements to provide you with documentation to transfer the equipment title to you.
The security deposit may be returned after the equipment is returned and inspected for damages and all payments, bills, and fees have been settled. If the equipment is purchased, the payoff amount is reduced by the amount of the security deposit. You can expect to receive your security deposit in approximately six weeks.
The expression "walk away" implies that the intent is to return the equipment before lease maturity, stop making lease payments, and consider your obligation complete. This is not allowed per the lease contract and is considered an act of default.
If you have a situation where you must return the equipment, begin by contacting your John Deere dealership. They can help by reviewing your situation and contacting the proper area at John Deere Financial to provide assistance. If you want to contact John Deere Financial directly, call the Lease Customer Service team at 1-800-275-5322 to explain your situation.
A lease payment is a flat amount paid to the Lessor (John Deere Financial) for the use of the equipment. There is no principal portion and no interest portion; it is simply a rental payment. Consult your tax advisor if additional information is needed.
Assumptions may be possible. Contact your selling John Deere dealer for details.