Loans
{"items":[{"heading":"Shred Day - Gray, TN","startDate":"September 3 at 8:00am ET","url":"/resources/2023-shred-days/tennessee-shred-days/shred-day-gray,-tn","summary":"September 30, 2023 – 8AM -12PM or until trucks reach maximum capacityGray Branch
384 Roy Martin Rd
Gray, TN 37615","lat":"","lng":""},{"heading":"Shred Day - Longview, TX","startDate":"October 6 at 1:00pm ET","url":"/resources/2023-shred-days/texas-shred-days/shred-day-longview,-tx","summary":"October 6, 2023 – 1PM to 5PM or until trucks reach maximum capacityPine Tree Branch
2002 West Loop 281
Longview, TX 75604","lat":"","lng":""},{"heading":"Shred Day - Kingsport, TN","startDate":"October 14 at 8:00am ET","url":"/resources/2023-shred-days/tennessee-shred-days/shred-day-kingsport,-tn-(2)","summary":"October 14, 2023 – 8AM -12PM or until trucks reach maximum capacityMeadowview Branch
2021 Meadowview Lane
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"October 17 at 6:00pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar-(3)","summary":"October 17, 2023
6PM EST
Presented IN PERSON
Northeast Tennessee Association of Realtors (NETAR)
105 Tri-City Business Park
Johnson City, TN 37615
(Gray)
Click to Register","lat":"","lng":""},{"heading":"Construction Seminar","startDate":"October 19 at 2:07pm ET","url":"/resources/seminars-events/texas/construction-seminar-(1)","summary":"October 19, 2023
6PM CST
Presented IN PERSON
ECU Mortgage Lending Center
3188 Nealy Way
Longview, TX 75605
(Beside Hampton Inn, Eastman Road)
Click to Register ","lat":"","lng":""},{"heading":"Estate Planning Basics","startDate":"October 24 at 3:19pm ET","url":"/resources/seminars-events/tennessee/estate-planning-basics","summary":"October 24, 2023
6PM EST
Presented Virtually via WebEx.
Click to Register.
","lat":"","lng":""},{"heading":"Social Security","startDate":"November 7 at 2:40pm ET","url":"/resources/seminars-events/tennessee/social-security","summary":"November 7, 2023
6PM EST
Presented Virtually via WebEx
Click to Register","lat":"","lng":""}]}

Features

Whether you need a tractor, a bull dozer or a golf cart, ECU can help! ECU’s competitive rates and easy process make getting a loan a fast and convenient. ECU finances Equipment Loans for up to 15 years*. Used equipment may be financed up to 100% of the wholesale value in the NADA Farm Equipment Guide.

What can I finance with an ECU Equipment loan?

  • Tractor, Combine, Hay Baler, Rototiller
  • Backhoe, Bulldozer, Trencher, Dump Truck, Trackhoe
  • Cattle, Horse and Hauling Trailers
  • Lawn Mower and Landscaping Equipment
  • Golf Carts
  • Scissor Lift, Fork Lift, Loader
  • Delivery Van, Box Truck, Tow Truck, Flatbed Truck

*Certain restrictions apply.  Subject to approval. 

Learn More:
  • Apply Now for an Equipment Loan

    Completing our online application is as easy as 1-2-3! We’ll ask questions about your personal finances and the equipment. Apply now to get started.

  • Skip a Payment

    ECU encourages members to make responsible financial decisions, but sometimes life is full of surprises.

  • ECU Loan Guardian

    Do you worry about unexpected life events that could leave you struggling to pay your bills?

Equipment Loan Rates

Rates are subject to change.  Any loan application submitted after 5:30 p.m. (Eastern) will use the rate for the next business day.

LOAN TERM 1COLLATERAL TYPEAPR as low as 2PAYMENT EXAMPLE3
36 - 180 monthsFixed Rate7.050% - 9.300%$23.97 - $25.03

Rates accurate as of September 1, 2023 and are subject to change.

1The loan terms, rates and payments listed above are examples used to illustrate possible credit transactions. The terms of your credit transaction will be determined by factors such as loan history, underwriting criteria, loan amount and loan to value.

2APR refers to Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history, underwriting criteria and loan amount. Certain restrictions may apply.

3Payment example is based on $1,000 for 48 months. To calculate your estimated payment on other terms, please use our payment calculator.