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 Australia
Farm Tractor Loan

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.

1.

Apply online in minutes

Provide details about your tractor purchase and business needs in a quick form.

2.

Get your quote

Our Lender Match technology finds offers from multiple lenders that suit your situation.

3.

Upload documents

Submit ID and bank statements to finalise your chosen loan option.

4.

Get approved

Receive approval and funding within 24–48 hours.

How Tractor Finance Works

Backed by over 50+ lenders

Giving you the best chance of being approved.

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Alex Bank
Angle Finance
ANZ
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Australian Premier Finance
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Azora
Bank of Melbourne
Bizcap
BOQ
Branded Financial Services
Capify
Capital Finance
CarStart Finance
CFI
Dynamoney
EarlyPay
Equity Tap
Finance One
Finstro
Firstmac
Flexi Commercial
Green Light Auto
Grenke
Latitude
Liberty
Lumi
Metro
Money3
MoneyMe
MoneyPlace
Morris Finance
Moula
Multipli
Now Finance
Pepper Money
Plenti
Prospa
Resimac
ScotPac
Selfco
Shift
SocietyOne
UME Loans
Vestone
Westpac
Wisr
Yellow Gate

Ready to get started?

Compare tractor finance options from over 50+ lenders with one simple application.

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

Tractor Finance 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.

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Interest Rate
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Balance over time

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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.:

TermRepayment AmountTotal 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

VerifiedVerified Review

All enquires answered in a prompt and professional manner. Easy company to deal with. Highly recommend.

Elaine G.

Review posted on 2025-06-25

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The service and delivery was excellent Extremely understanding and caring for that matter which i find is very rare within a lot of this ground of work 10/10 recommend to go through Evette when financing something , there will be zero disappointment or let down on your end

Music

Review posted on 2025-11-20

VerifiedVerified Review

Thanks for all your help and dedication, it was super fast and easy to get my vehicle load approved and they found my vehicle in less then a day. smooth ans swift thanks Peter!

Barend B.

Review posted on 2025-10-15

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We had an excellent experience working with Stevette Gelavis from Emu Money. She was absolutely outstanding—providing clear and comprehensive information from the very beginning and demonstrating professionalism, fairness, and genuine helpfulness throughout the process. After having disappointing experiences with other loan providers who quoted us unreasonably high rates, Stevette secured us a much better rate. Thank you, Stevette, for your exceptional service and for restoring our confidence in loan providers. You’re doing a fantastic job!

Indu

Review posted on 2025-10-24

VerifiedVerified Review

I had such a great experience with Evette when sorting out my car loan. She made the whole process really easy and stress-free, was always quick to answer any questions, and genuinely cared about getting me the best outcome. Super friendly and professional. I'd happily recommend Evette to anyone looking for a car loan!

Dillon F.

Review posted on 2025-08-20

VerifiedVerified Review

We just got our truck loan they are very supportive and Eujin guide us in really good way we are happy with service really appreciate EUJIN cheers

Lky 2.

Review posted on 2025-11-12

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.

Can I finance a used tractor?
Do I need collateral?
Can repayments match my income?
What interest rates apply?
How quickly can I access funds?