Fast, flexible finance for tractors, harvesters, seeders, sprayers, and full farm equipment packages. We compare 50+ lenders, including rural specialists who understand how farming income works.
At EasyAsset, agricultural equipment finance is one of our core specialisations. Whether you are financing a tractor, header, combine harvester, seeder, sprayer, baler, irrigation system, or a full farm equipment package, we work with rural-specialist lenders who understand how farming income works. We help clients navigate chattel mortgages for farm equipment, seasonal repayment loans, low-doc primary producer finance, and equipment leases every day. If it works your land and your operation depends on it, we can finance it.
The right structure depends on your GST position, whether you want to own the equipment outright, and how your farm generates income. Here are the main options.
You own the equipment from day one. Claim depreciation and interest as tax deductions. Best for GST-registered primary producers using the equipment primarily for business purposes.
Lender owns it, you use it. Fixed lease payments, fully deductible as expenses. Good if you prefer to upgrade to newer equipment at end of term rather than hold through its full working life.
Hire now, own at the end. Fixed repayments over the term, ownership transfers on final payment. Interest is deductible, a solid middle ground for established farming operations.
Repayments aligned to harvest income. Repayments are structured around your income calendar, such as post-harvest or post-shearing, rather than fixed monthly amounts. A critical option for farmers with seasonal cash flow.
No full financials required. For primary producers without up-to-date tax returns. Typically needs ABN, primary producer status, and bank statements. Suitable for farming businesses with variable annual income.
Already own it? Free up cash. Sell existing farm equipment to a lender and lease it straight back, unlocking working capital for seasonal costs without losing access to the machinery your operation depends on.
From a single tractor to a full harvest machinery package, here is how the numbers typically look across different farm finance needs.
Indicative repayments only. Actual rates depend on your profile, lender, and product. Speak to our team for a tailored quote.
Adjust the sliders to estimate your repayments. Speak with our team for an exact quote based on your profile.
Answer 4 quick questions and our recommender will suggest the best farm equipment finance structure for your situation, instantly.
4 questions · Takes about 30 seconds · Instant recommendation
Question 1 of 4
Is your farming business registered for GST?
This is the most important decision point unique to agricultural finance. Farmers earn in seasonal cycles, not monthly, and your repayment structure should reflect that.
Primary producers have access to some of the most favourable tax treatment available for any asset class in Australia. Structured correctly, farm equipment finance is highly tax-effective.
Most Australian farming and agricultural businesses with an ABN can access equipment finance, including new farmers, established operations, and agricultural contractors.
Fill in the quick form above. No credit check, no commitment. Tell us what equipment you need and how your farm earns. Takes about 2 minutes.
A specialist matches you to rural-focused lenders from our panel of 50+ based on your operation type, income structure, and the equipment being financed.
Pre-approval in as little as 24 hours, so you can confirm your order with the dealer or seller before the equipment is snapped up.
We handle the paperwork. Funds go directly to the seller and the equipment is yours. Seasonal repayment schedule confirmed if applicable.
Free · No credit check · Pre-approval in 24 hours · Australian team