Financing for Used Heavy Equipment 

With our extensive network of trusted lenders, Kirby-Smith Machinery’s experienced finance team is dedicated to making used equipment financing simple, affordable, and tailored to your business needs.

 

Flexible Financing Options for Used Equipment

Whether you are looking to buy, lease, or rent-to-own, we can help you find the best option for your needs.
  • Large Network of Trusted Financial Partners
  • Lease Financing
  • Capital Lease
  • Operating Lease
  • Conditional Sales Contracts
  • Rental Purchase Options
 

Warranty and Preventative Maintenance Programs

Kirby-Smith offers convenient programs for your used equipment purchase.  Whether you are looking for an extended warranty, a PM program, or both, we can help you find the right solution to meet your needs.

Learn about Extended Protection Plans

 
 

 

 

 
“We work extensively in Kirby-Smith's territory, so I contacted Jason. He had a price and paperwork for me the following day, and we set up the demo.”
- Trevor McAlevy, BGT Contractors LLC

Customer Spotlights 

 Frequently Asked Questions 

Find answers to the most frequently asked questions in Finance and Leasing Options.

You can find the Third Party Credit Application on this page to view, download, and complete. This application has language which allows us to submit it to our lenders on your behalf without requiring a separate application for each lender. This application does not supersede any applications that Kirby Smith’s credit team already has on file. You can complete the application via DocuSign as well.

Rates are constantly changing and will depend on credit scores. However, Kirby Smith’s finance team is committed to seeking the best financing option available for our customers. Our financing partners typically have low program rates available on new equipment and sometimes available for used equipment as well. We typically seek loans in the 12 months to 60 months range. However, we have longer termed loans available on some equipment.

Down payment requirements will vary depending on several factors. This factors include, credit score, age of equipment, previous comparable borrowing history, etc. Kirby Smith’s finance team will work with you to find you the terms that work best for you.

Yes! We have a long list of lender partners and can work with you to find the best possible option to fit your needs.

You can reach out to our Finance Team directly at here