Productivity Plus

The House Account Program That Works Harder for You

Productivity Plus is powerful new house account program that goes far beyond a traditional open line of credit.

With Productivity Plus, you’ll have a dedicated line of credit that boosts your purchasing power, gives you greater flexibility, and rewards every member with extra benefits. Ready to get started? Apply online by following the link below, or download an application here, and bring your completed application to your local Southeastern branch — our team will walk you through setup and answer any questions.

Productivity Plus Benefits

Flexible Credit that grows with your business needs.
Tailored Payment Options including no-interest, no-payment plans and equal payment programs for larger expenses.
Easy Account Management through an online portal with one monthly statement, consolidated billing, and user controls to add or remove authorized users.
Connected Financing by linking all CNH Capital accounts including loans, leases, and open lines of credit.
Lower Cost of Credit with reduced APR compared to standard accounts receivable interest rates.

Already enrolled? Access your Productivity Plus Online account anytime. Account details are available 24/7, or you can call their Customer Service Center at 1-800-357-1837 for support.

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Need help with rental?

Simplified Rental Support

Clear Tracking: Rental details are included on your monthly statement, including rental dates, serial numbers, job numbers, and costs.
Automatic Lien Resolution: Paying rentals through Productivity Plus automatically satisfies applicable liens, with no additional steps or invoice-specific payments required.
High Limits, Flexible Terms: Flexible financing options and higher credit limits are available to help manage larger rentals and extend payment terms when needed.

Ready To Apply?

CNH Industrial Capital's Productivity Plus is more than financing—it's a smarter way to run your business. With flexible credit and tailored solutions, you gain greater control over costs, keep your operation running smoothly, and support long-term growth. Apply today to unlock the benefits of Productivity Plus for your business.

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Frequently Asked Questions

Don't let downtime slow your project. Contact your nearest Southeastern branch today.

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What Is Productivity Plus?

Productivity Plus provides a flexible line of credit designed to strengthen your cash flow, purchasing power, and overall productivity.

What Makes Productivity Plus Worth It?

Productivity Plus gives your business more than just financing. It’s an exclusive credit line designed to maximize flexibility and value.

Buying Power: Special offers throughout the year stretch your budget and add liquidity
Simplicity: Clear, itemized statements make expense management easy
Convenience: Manage your account online anytime, anywhere
Flexibility: Pay in full each month with no interest or make minimum monthly payments
Incentives: Enjoy exclusive member perks, including frequent 0% and $0 payment offers

Backed by CNH’s world-class service, Productivity Plus is the partner your business needs to stay ahead.

How Do I Use Productivity Plus?

Use it for all your parts, service, attachment, and rental needs. It works just like a traditional house account line of credit except that it comes with a variety of benefits that can be tailored to your specific business needs.

How Do I Get Started?

Getting Started Is Easy.

Migrating your current account takes just minutes.

Visit: https://sequip.co/cnhapp
Complete the short application.

Can Productivity Plus Be Used for Rentals?

Absolutely! Using Productivity Plus for rentals comes with several key benefits:

Clear Tracking: Rental details—like dates, serial numbers, job numbers, and costs—appear directly on your monthly statement.
Automatic Lien Resolution: Rentals paid through Productivity Plus automatically satisfy liens, so no extra steps or invoice juggling are needed.
High Limits & Flexible Terms: Take advantage of larger credit lines and flexible financing options to cover big rentals and delay payments when necessary.

Why Should I Use Productivity Plus?

Productivity Plus is easy to use and offers exceptional benefits tailored to your specific needs. From adjustable credit line, flexible payment terms, and exclusive discounts, Productivity Plus is designed to work for you. It’s also a great way to easily track business expenses and is offered at a lower cost of credit.

Will Applying For Productivity Plus Impact My Credit?

Applying for Productivity Plus does require a hard pull on your business’s credit, which will temporarily drop your score slightly, however it is also reported like any other line of bank credit, so on-time payments will benefit your credit rating. And with the flexibility to set payment terms on specific purchases, it’s easy to manage your account so that paying on time is a breeze. (See question on pre-approval for further information).

What does it mean to be pre-approved for a Productivity Plus account?

When customers apply for a loan or lease through CNH Capital, our underwriting team will give Productivity Plus pre-approvals to customers who have strong credit and don’t already have a Productivity Plus account. Dealer employees are notified of this pre-approval in the notes of the Finance Plus credit application. Pre-approval means that the customer will be approved for a Productivity Plus account upon submitting an application within 45 days of the pre-approval notice. This will use the credit hit used for the loan/lease, so pre-approved customers won’t take another credit hit to apply for a Productivity Plus account.

Is there a signup fee or annual fee?

It is completely free to be an accountholder. There are no signup fees or annual fees.

Will I incur a finance charge during an interest-free term?

No. When CNH Capital brought Productivity Plus in-house in 2022, finance charges during interest-free terms were eliminated. This means customers pay nothing during an interest-free term.

What is the APR if I run a balance?

As of October 2025, APR is 17.9%, roughly half the APR of the average credit card. APR is subject to change. Customers can view the current APR rate in their monthly statement.

Can my credit limit be increased?

Yes. The customer or dealer can request a credit limit increase. Customers may request it via MyAccount or by calling in to customer service. Dealers may request it by submitting a request through Finance Plus or calling into customer service.

Who are checks payable to?

Checks are payable to CNH Capital. You will receive a monthly statement from CNH Capital, which includes the mailing address for checks, as well as information for the online bill-pay option.

Can employees or family members use my account?

Yes. You can add authorized users to your account at time of sign-up or through MyAccount or by calling our customer service team and request.

Can I sign up for e-statements, online bill-pay, and automatic payments?

Yes. By setting up an account with CNH Capital MyAccount, customers can opt into e-statements, pay their bill online, and sign up for automatic payments.

MyAccount also allows customers to manage their Productivity Plus account in the same place as their retail notes with CNH Capital.

Customers can also do one-time payment online through CNHCapital.com, using their Customer Number, Contract or Account Number from their statement, and bank routing and account number.

Automatic payments can either be set up for the full balance or the minimum payment due, so customers using No Interest/No Payment or Equal Payment Plan promos should not use automatic payments.

I had a Productivity Plus account several years ago, and had a poor customer experience. What improvements have been made?

In 2022, CNH Capital brought Productivity Plus in-house to better serve our customers’ credit line needs. As a result, customers now reap the benefits below:

Higher credit limits – the average starting credit limit for new customers today is $20,000.

Customers or dealers can request a credit limit increase at any time.

Credit limits are available up to $75,000 before financial statements are needed.

No finance charges during interest-free terms.

On transactions with interest-free terms, customers now pay nothing on those transactions for the full length of the term.

Manage account in the same place as loans and leases through CNH Capital.

CNH Capital’s My Account portal allows customers to manage their account functions, including online bill pay, credit limit increase request, and contacting customer service.