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Equipment Finance Specialists
Farming Equipment Finance
Looking to upgrade your gear without breaking the bank? Our agriculture equipment loans make it easier than ever to access the machinery you need to keep your farm running smoothly.
- ✓Compare 50+ lenders
- ✓Australia wide
- ✓Checking your options won’t affect your credit score
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from 1,400+ five-star reviews
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I had a fantastic experience dealing with Jackson. He made the entire finance process incredibly easy and straightforward from start to finish.
Daniel Agostini
Kane was AWESOME. He guided me through every step to get my loan, and we got there in the end. Friendly and professional.
Aaron Lyttle
A massive thank you to Chad Masri for providing such a seamless experience from start to finish throughout my car buying journey.
Siluni Kumarapperuma
I was fortunate to work with Connor from eCarz. He was extremely helpful, clear communication and very very efficient.
Raigan Meadows
Had an absolutely fantastic and stress-free experience… Mick made the whole process incredibly easy and hassle-free.
Dom
We had a great experience with eCarz group! Gary was very helpful and straight up from the start.
Christine Puddephatt
David provided a very efficient and straightforward process… Highly recommend the group.
Peter Sproule
Everything went very smoothly. Happy with the price.
Thaddeus Kulig
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Farm Machinery Finance Made Easy for Aussie Farmers
From tractors to tillers, we offer fast and flexible farming equipment finance options tailored to your seasonal cash flow and operational needs.
We make farm machinery finance simple, affordable, and tailored to your needs. From tractor loans to harvesting equipment finance, irrigation system funding, and everything in between, our team of experienced finance professionals is here to help Aussie farmers access the equipment they need to grow their businesses.
Why Choose Us For Your Ag Equipment Financing?
We’re not your average finance company. Our team genuinely understands the challenges and unique cycles of the agricultural industry. We pride ourselves on offering down-to-earth advice, fast approvals, and flexible terms designed around your cash flow.
Whether you’re replacing old machinery or expanding your operations, our tailored farming equipment finance solutions are designed to grow with your business. With access to over 50 lenders, we’ll help you secure competitive agriculture equipment loans that work on your terms, not the bank’s.
Repayments Around Your Seasons
We know that farming income isn’t always consistent. Weather, markets, and seasonality can all impact your earnings. That’s why we offer customised farm machinery finance plans that take your business cycle into account. We can structure your loan repayments to align with harvest seasons or income peaks, giving you breathing space when you need it most.
When you choose us, you get:
- ✓Approval rates that you’ll love
- ✓Savings on fees and charges
- ✓50+ lenders to help secure you competitive rates
- ✓Speedy and hassle-free approval on farm equipment financing
- ✓Tailored and flexible options on agricultural machinery finance
- ✓A team of specialists that work for you, not the bank
Low Doc Farm Finance and Help After Credit Challenges
Struggling to get approved through traditional lenders? Our low-doc and flexible farming equipment finance options can help you access the machinery you need, even if your financials aren’t perfect.
If you’re a startup operation, don’t yet have full financials, or have been impacted by drought, floods, or fire, we offer low doc farm machinery finance and options for past credit challenges. We’ve helped countless farmers and agribusinesses get the funding they needed when traditional banks said no.
We’re proudly based in the South East and work with farmers all across the region. Whether you’re replacing a broken-down tractor or investing in cutting-edge technology to future-proof your farm, you’ll find our team approachable, knowledgeable, and genuinely committed to your success.
Get competitive farming machinery finance on
We provide farm machinery loans for a wide range of agricultural equipment. Tap any category to see more.
Tractor loansCompact to high-horsepower +
From compact utility tractors to large, high-horsepower machines, new or used, from dealers or private sellers.
- ✓Compact and utility tractors
- ✓High-horsepower tractors
- ✓Chattel mortgage available
Get a quote
Harvesting equipment financeCombines, balers and headers +
Combine harvesters, balers, headers and more, with repayments that can line up with harvest.
- ✓Combine harvesters
- ✓Headers
- ✓Hay balers
Irrigation equipment financeWater where you need it +
Pivot systems, pumps and drip irrigation solutions.
- ✓Centre pivots
- ✓Pumps
- ✓Drip irrigation
Spraying equipment financeCrop protection +
Boom sprayers, spreaders and crop protection gear.
Tilling and seeding equipment financeReady the ground +
Ploughs, cultivators, air seeders and drills.
- ✓Ploughs and cultivators
- ✓Air seeders and drills
Other farm equipmentEverything else on the property +
ATVs, UTVs, farm bikes, livestock handling equipment and even agricultural helicopters.
- ✓ATVs and UTVs
- ✓Farm bikes
- ✓Livestock handling equipment
Calculate your repayments!
Use our handy finance calculator to better understand your repayments on farm machinery.
Speak to a broker
A broker can confirm the real rate and repayments for your situation, free and with no obligation.
Loan amount
Months
Interest rate
Balloon %
Your monthly repayments: $580 With a balloon payment of $0
General information only. Estimates are based on the figures you enter, exclude lender fees and aren’t a quote or financial advice. Your actual rate and repayments depend on the lender and your circumstances. Seek your own independent advice. More calculators →
Farm equipment finance questions
What farm equipment can I finance?+
You can finance a wide range of agricultural machinery and equipment, including tractors, harvesters, headers, hay balers, sprayers, seeders, ploughs, irrigation systems, livestock handling equipment and other machinery used in farming operations. Finance is available for both new and used farm equipment.
Can I finance used farm equipment?+
Yes. We can help you explore finance options for used farm equipment purchased from dealerships or private sellers. With access to a range of lenders, we can help compare finance solutions based on the machinery’s age, condition, value and your business circumstances.
How does farm equipment finance work?+
Farm equipment finance allows farmers and agricultural businesses to purchase machinery without paying the full purchase price upfront. A lender provides funding for the equipment, which is typically repaid through regular instalments over an agreed loan term. Depending on the lender and finance structure, options may include chattel mortgages, equipment loans or leasing arrangements.
Can self-employed farmers get finance?+
Yes, self-employed farmers and agricultural business owners may be eligible. We assess applications based on factors such as business financials, trading history, income, existing commitments and the equipment being purchased. Some lenders also offer alternative documentation options for eligible applicants.
Do I need a deposit?+
The deposit required will depend on the lender, equipment value, your financial position and the proposed loan structure. Some finance options may be available with no deposit, while others may require an upfront contribution.
Are there tax benefits to financing farm equipment?+
Financing agricultural equipment may offer tax benefits depending on your business structure, the type of finance arrangement and how the machinery is used. We recommend speaking with your accountant or tax adviser about the deductions and tax implications that may apply to your circumstances.
Can I use a chattel mortgage for a tractor?+
Yes, a chattel mortgage is one option for financing tractors and other agricultural machinery, including harvesters, headers, balers and irrigation systems. With access to over 50 lenders, we can help you compare options and structure repayments around your seasonal cash flow.
Talk to a specialist about Farming Equipment Finance
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