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Making informed and timely decisions is critical to customers and that is why The Equity’s Finance department is here to help. We offer a full range of finance products to fit the needs of our consumers from agricultural to commercial and residential. Programs include monthly line of credit, Level Payment Plan for home heating, and prepaid and fixed price energy contracts.

In addition to our finance programs, The Equity offers several convenient pay options, including the traditional cash or check, as well as monthly automatic debit (ACH), e-check through My Farm Records, and VISA, Mastercard and Discover credit cards*.

The Equity offers customers the flexibility to make payments online at their convenience through our My Farm Records account portal, The Effingham Hardware Do It Center or Corporate office and any one of our 16 Illinois locations.

The Equity also offers extended term financing as low as 0%. For more details visit our GOFlex financing page.

*All Credit Card transaction are subject to a 2.5% surcharge fee.

Agriculture Account

Credit Programs for Agriculture Customers

Purchases on an Agriculture Account are primarily for agricultural production, including Spring and Fall Agronomy Inputs, Bulk Livestock Feed, and Bulk Fuel and Propane Purchases. This type of account is also eligible to purchase from the Hardware Do It Center, Propane for Home Use and Fuel from The Equity's self-serve pumps.

Agriculture Accounts are also eligible to sign-up for additional services in
GOFlex* FinancingMy Farm Records and prepaid and fixed price energy contracts. (*Separate applications may apply.)

Apply for Agriculture Account

Residential Accounts

Credit Programs for Residential Customers

Purchases on a Residential Account are primarily for home use, including Propane for Home Heating, Fuel from The Equity's self-serve pumps and products from The Hardware Do It Center.

Additional programs available to Residential Accounts include My Farm Records for easy online bill pay, Level Payment Plan (LPP*) for home heating, and prepaid and fixed price energy contracts. (*Separate application may apply.)

Apply for Residential Account

Commercial Account

Credit Programs for Commercial Customers

Purchases on a Commercial Account are primarily for business use, including products from The Hardware Do It Center, Bulk Fuel and Propane, and Fuel from The Equity's self-serve pumps. If purchases need to be non-taxed, submission of a tax exempt form is required.

Additional programs available to Commercial Accounts include
My Farm Records for easy online bill pay, and prepaid and fixed price energy contracts.

Apply for Commercial Account

GOFlex

My Farm Records is every customers’ best resource for accessing their account information on their time. As the customer, you can view your statements, invoices, and product purchase history. Additionally, you can conveniently make payments on your account via e-check, without worrying about the mail system or business hours. The Equity encourages customers to take advantage of My Farm Records and electronic statement delivery to stay on top of their finances. Whether the customer has a large farming operation, a small hobby farm or just receives home heating fuel.

Request More Information about GOFlex

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My Farm Records

My Farm Records is every customers’ best resource for accessing their account information on their time. As the customer, you can view your statements, invoices, and product purchase history. Additionally, you can conveniently make payments on your account via e-check, without worrying about the mail system or business hours. The Equity encourages customers to take advantage of My Farm Records and electronic statement delivery to stay on top of their finances. Whether the customer has a large farming operation, a small hobby farm or just receives home heating fuel.

Request My Farm Records Account

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Credit & Financing Customer Care Team

Dale Semple
Director of Credit
217.342.4101 ext. 6166
dale.semple@theequity.com

Lance Vonderheide
Loan Portfolio Manager
217.273.9644
lance.vonderheide@theequity.com

Stephanie Swingler
Credit & Loan Assistant
217.342.4101 ext. 6173
stephanie.swinlger@theequity.com

Michelle Niebrugge
Credit & Marketing Assistant
217.342.4101 ext. 6170
michelle.niebrugge@theequity.com