Compare Tractor Finance Options from 50+ Australian Lenders
Get the tractors and farm machinery you need without a large upfront cost. Receive personalised quotes in minutes with no impact on your credit score.
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Tractor Finance Made Simple
Finance the tractors and agricultural machinery your farm needs. Flexible, affordable options designed for Australian farmers, agribusinesses and contractors.
Borrow With Confidence
Amounts from $10,000 to $500,000+
Flexible Terms
1 to 7 year loan terms available
Fast Approval
Funding possible within 24–48 hours
Secured by Tractor
Keep costs low with equipment-backed loans
Seasonal Repayments
Match payments to your farming cash flow
Any Agricultural Purpose
Purchase, upgrade or expand machinery
How Tractor Finance Works
We match your application to tractor finance options from 50+ Australian lenders so you can compare and choose with confidence.
Apply online in minutes
Provide details about your tractor purchase and business needs in a quick form.
Get your quote
Our Lender Match technology finds offers from multiple lenders that suit your situation.
Upload documents
Submit ID and bank statements to finalise your chosen loan option.
Get approved
Receive approval and funding within 24–48 hours.
Backed by over 50+ lenders
Giving you the best chance of being approved.
A quick guide to tractor finance
Tractor finance gives Australian farmers and agribusinesses access to machinery without a heavy upfront cost. Instead of tying up working capital, you spread repayments over time, leaving funds free for wages, feed, and farm running expenses.
Most tractor loans are secured against the tractor itself, which allows lenders to offer competitive rates and higher borrowing limits. Loan terms typically run from 1 to 7 years, and seasonal repayment structures are available so repayments align with farm income cycles.
Whether you’re cropping, running livestock, or contracting, tractor finance lets you upgrade to reliable equipment that improves efficiency, productivity, and safety. Farmers can choose new or used tractors, attachments, or expand their fleet without draining reserves.
The trade-off is making sure repayments fit with cash flow, but for many Australian farmers, tractor finance balances affordability and access — ensuring you remain competitive and resilient.
Want to skip ahead?
This guide is broken down into the following sections. Click a link if you want to skip ahead.
Types of tractor finance
Here are the most common tractor finance options available to Australian farmers:
What can I use tractor finance for?
Tractor finance can be applied to many areas of farming and agribusiness:
Buy a New Tractor
Secure new equipment to improve productivity and reduce downtime.
Upgrade or Replace
Swap out old machinery for modern, fuel-efficient tractors.
Expand Operations
Add tractors to manage larger acreage or contracting jobs.
Attachments & Implements
Finance loaders, balers, ploughs, and more.
Seasonal Needs
Fund extra machinery during planting or harvesting periods.
Fleet Management
Maintain or expand a fleet for large-scale farming.
Land Preparation
Clear, till or level land ready for crops or pasture.
Livestock Operations
Support livestock feeding, fencing, and transport tasks.
Case Study
Ben Murray, Murray Farms
Boosting Productivity with Tractor Finance
Industry: Cropping Farm
Challenge: Old machinery breaking down, leading to costly delays during harvest.
Solution: A 5-year chattel mortgage secured against a new tractor with seasonal repayments.
Ben runs a cropping farm in regional NSW and struggled with unreliable equipment. Breakdowns during harvest caused lost income and stress. Through Emu Money, he compared tractor finance options and secured approval for a 5-year loan matched to his seasonal cash flow. With a modern tractor, he reduced downtime, improved efficiency, and managed repayments predictably. The new machine has paid for itself through better productivity and reduced repair costs.
How much can I borrow for tractor finance?
Tractor finance in Australia typically ranges from $10,000 for smaller or used models up to $500,000+ for large-scale or specialist machinery. Borrowing limits depend on tractor cost, age and condition, as well as your business turnover and credit profile.
Because the loan is secured against the tractor itself, lenders are often able to offer more competitive rates and higher borrowing amounts compared to unsecured loans.
Tractor Finance Repayment Calculator
Estimate your repayments and total cost. Adjust the amount, term and interest rate to plan before applying.
Balance over time
Am I eligible for tractor finance?
Eligibility is usually straightforward since tractors are income-producing assets. Lenders assess your turnover, bank statements and credit profile to confirm affordability.
You may be eligible if you are:
An Australian citizen or permanent resident
Over 18 years old
Running a registered farming or contracting business
Able to provide recent bank statements
Hold an ABN (and GST registration if required)
How to apply for tractor finance
Complete a quick online application and receive instant quotes from our panel of lenders. Choose your preferred option, upload documents, and we’ll guide you to settlement. Funding is often available within 24–48 hours.
Documents you may need:
ABN and GST registration details
Photo ID (driver’s licence or passport)
Recent business bank statements
Tax returns or financials (for larger amounts)
How to save money on tractor finance
Saving on tractor finance comes down to loan structure and comparison. Choosing a shorter term means higher repayments but less total interest, while a longer term eases cash flow but increases costs.
Comparing offers from multiple lenders ensures you find the most competitive rate and fee structure. Watch out for establishment fees, ongoing account charges, or early repayment penalties.
Seasonal repayment options are especially useful for farmers, letting you align payments with harvest or livestock cycles to avoid cash flow strain. If your business is strong, making additional repayments or paying off early can also cut down costs. Always check terms before committing.
Example: Save with a shorter term — $75,000 at 8.95% p.a.:
| Term | Repayment Amount | Total Amount to Repay |
|---|---|---|
24 months | $3,424 | $82,179 |
36 months | $2,378 | $85,607 |
48 months | $1,866 | $89,571 |
60 months | $1,547 | $92,812 |
Understanding tractor finance options
Different tractor finance products suit different needs. Here’s a quick guide:
Chattel Mortgage
The most common farm equipment finance option. You own the tractor upfront while the lender takes a mortgage until the loan is repaid.
Equipment Loan
Similar to a secured loan, using the tractor as collateral with fixed repayments.
Hire Purchase
Use the tractor while making instalments. Ownership transfers once the final repayment is made.
Finance Lease
The lender owns the tractor and you lease it, with an option to buy at the end of term.
Seasonal Terms
Repayment schedules that match planting or harvesting cycles to ease cash flow.
Testimonials
Verified Review
⭐️⭐️⭐️⭐️⭐️ Evette is amazing. As a sole trader I struggled to get finance for a car, but she worked tirelessly to make it happen and got me a great loan. Even when delays came up with the sellers bank, she kept on top of everything until it was resolved. I am so grateful and would 100% recommend her to anyone!
Sarah S.
Verified Review
Robyn from Emu was a pleasure to deal with and was honest in her approach and recommendations. Loan was completed in line with the expectations set.
Kerry B.
Verified Review
I want to take this moment to highlight the outstanding service I received from Jackson in organising for the purchasing of my car. Jackson have the know-how in dealing with any customers and made my car buying experience smooth and enjoyable. He was incredibly knowledgeable about the product and I confidently made my decision because he gives me all the information I needed. He was transparent throughout and made me comfortable and informed throughout the process. I would not hesitate to recommend Jackson and the company for a fast and easy loan approval that you don't get anywhere else. Thank you Jackson and I will recommend you to all my friends and families.
Usaia R.
Verified Review
Amazing customer service experience only took short time thanks Ryan
daniel r.
Verified Review
In today's world, finding someone truly committed to their work and dedicated to their clients' best interests is rare. Brad has been one of the best brokers I’ve ever worked with. His communication is exceptional, his understanding of my needs was spot-on, and he went above and beyond to ensure I had exactly what I needed for my business to thrive. Thank you, Brad—I’ll definitely be reaching out again in the near future!
Wesley C.
Verified Review
Stevie was amazing she made the entire process smooth, not stressful and easy everything she requested wasn’t hard to complete, she worked around me she gave me advice or what to look for in a car she shared some good places to find a car she shared her experience with insurance she was amazing and went above and beyond. It isn’t always easy sharing things with someone when it comes to your personal affairs but she made me feel welcome to share you have a start worker and I really do believe she deserves a pay bonus
Tania W.
Frequently Asked Questions
Tractor Finance FAQs
These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.
