Tractor finance for every paddock
Compact hobby-farm tractors to high-horsepower broadacre units, implements and loaders included.
- Free to compare
- A specialist partner broker, start to finish
- No credit score impact
Typical ranges only. Actual limits depend on the lender and your circumstances.
Example rate only: not a comparison rate, quote or offer of credit. Your rate depends on your credit profile, the lender and the asset. Excludes fees and charges.
How tractor finance works with us
A tractor is among the most-used assets on any property, lifestyle block or working farm. The right loan keeps it affordable.
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Your broker compares business and personal lenders, including seasonal repayments for working farms.
- Compact tractors
- Utility tractors
- High-horsepower tractors
- Front-end loaders
- Implements
- Used tractors
Implements included
Loaders, slashers and other implements can be included.
Lifestyle blocks
Personal finance for tractors on smaller properties.
Seasonal options
Repayments aligned to farm income where suitable.
Dealer or private
Dealers, clearing sales or private sellers.
Tractor finance for working farms and lifestyle properties
Working farms with an ABN often use a chattel mortgage, while lifestyle blocks may suit a secured personal loan. Lenders weigh horsepower, hours, brand and age; pre-approval helps at clearing sales where payment is due quickly.
Read the full explanation
How you use a tractor shapes how it is financed. On a working farm with an ABN, a business structure such as a chattel mortgage is common, and repayments may be aligned to the farm's seasons. On a lifestyle block without business income, a secured personal loan may suit better. Lenders will ask about the property, how the tractor will be used and your income, so being clear upfront helps your broker go to the right lender.
Lenders look at horsepower, hours, brand and age. Popular brands with a strong dealer network usually hold value and are straightforward to finance. Implements such as slashers, front-end loaders, post-hole diggers and seeders can often be included if on the same invoice. For used tractors, a service history and hour meter reading help. If you are buying at a clearing sale, pre-approval is useful as payment is often due within days.
- Farmers upgrading or adding tractors
- Lifestyle and hobby block owners
- Slashing or cultivation contractors
- Clearing-sale or private buyers
Pros and watch-outs
Pros
- Business and personal options
- Implements can be bundled in
- Seasonal repayments for working farms
- Dealer, clearing sale and private purchases considered
Watch-outs
- !Lifestyle buyers may have fewer lender options
- !Older, high-hour tractors may need shorter terms
- !Clearing sale timelines can be tight
Costs and fees to compare
The interest rate is only part of the cost. Ask your broker to show these side by side.
Interest
Depends on business or personal loan, the tractor and your circumstances.
Implements
Invoiced loaders and attachments are financed with the tractor.
Fees
Establishment and account fees vary by lender.
Seasonal structure
Irregular repayments may change how interest builds; compare total cost.
Delivery
Transporting a tractor can be costly; ask if it can be included.
Tips to strengthen your application
- 1Decide upfront: business or personal purchase
- 2List implements on the tractor’s invoice
- 3For used tractors, ask for hours and service records
- 4Get pre-approval before a clearing sale
What you’ll need
What you’ll need
- ABN and business registration
- Driver's licence (each director or owner)
- Recent business bank statements
- BAS or financials (full-doc loans)
- Asset invoice or quote
- Buying personally? Bring ID, payslips and bank statements instead
What lenders look for
- Active ABN (some lenders want 12+ months; others accept newer)
- GST registration for larger or low-doc deals
- Mainly business use (usually over 50%)
- Clear owner or director credit, or a good explanation for issues
First chat to funds in four steps
How it works in detail →- 1Tell us what you’re after
- 2Meet your broker
- 3Compare and choose
- 4We handle the rest
Tractor finance: common questions
Can I finance a tractor for a lifestyle property?
Yes. A personal loan structure may suit if it is not for a business.
Can implements be included?
Usually, when purchased together.
Used tractors?
Yes, subject to age, hours and condition.
How fast is approval?
It depends on the lender and your documents. Straightforward applications can be quick.
Can I finance a ride-on mower or compact tractor?
Yes, compact tractors and larger ride-on mowers can often be financed, usually with a personal loan for private properties or business finance for contractors. Smaller amounts may suit unsecured loans. It depends on the lender and value.
Do I need an ABN for tractor finance?
Not necessarily. Without an ABN, a personal loan may be the right fit for a lifestyle property. With an ABN and business use, business structures may be available.
Can I trade in my old tractor?
Yes, many dealers accept trade-ins, and the trade-in value can reduce the amount you need to borrow. If there is finance owing on the old tractor, it usually needs to be paid out as part of the deal.
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