Tractor Finance Australia
Your tractor is the backbone of your farming operation. Whether you're upgrading to a new John Deere or finding a reliable used Massey Ferguson, we'll help you find finance that works with your seasonal cash flow. Competitive rates from agricultural lenders who understand farming.
Seasonal repayments available. Low doc options.
Finance Your Next Tractor
A quality tractor is one of the most important investments on any farm. Whether you're running a small mixed operation needing a versatile utility tractor, or a large-scale cropping enterprise requiring serious horsepower, having the right machine makes all the difference to your productivity and bottom line.
At Your Lending Friend, we specialise in tractor finance for Australian farmers. We work with lenders who understand agriculture - including those offering seasonal repayment options that align with your harvest income, and low doc options for farmers who prefer straightforward applications.
Bad credit? Drought hardship? We have options for challenging situations.
Why Finance Your Tractor With Us?
Finance that works for farmers
Fast Approvals
Many applications approved within 24-48 hours. Get your tractor working on your farm when you need it, not weeks later.
Seasonal Repayments
We work with lenders who offer flexible repayment schedules aligned with your farming income - higher payments at harvest, lower during the off-season.
Bad Credit Options
Past credit issues or drought hardship? We work with specialist agricultural lenders who focus on your farm's potential, not just your credit file.
Agricultural Expertise
Our team understands farming. We'll help you choose the right finance structure for your operation and tax situation.
Types of Tractors We Finance
From compact utility tractors to high-horsepower broadacre machines
Utility Tractors
Versatile machines for everyday farm tasks, hay work, and general operations.
Row Crop Tractors
Narrow profile tractors designed for work between crop rows without damage.
Broadacre Tractors
High-horsepower machines for large-scale cropping, seeding, and tillage.
Popular Brands We Finance
Tractor Finance Details
Flexible finance tailored to your farming operation
From compact utility tractors to large broadacre machines
Flexible terms with seasonal repayment options available
Finance for new tractors and quality used machines
How Tractor Finance Works
Getting approved for your tractor loan is simple
Tell Us About Your Tractor
Share what you want to finance - brand, model, new or used, and price. We'll find options that work with your farm's cash flow.
We Compare Lenders
Our specialists search 40+ lenders including agricultural finance experts who understand farming operations.
Choose Your Structure
Chattel mortgage, finance lease, or seasonal payments? We explain the options so you can make an informed decision.
Get Your Tractor
Fast approval and straightforward settlement. Get your tractor working on your farm sooner.
Checking your options won't affect your credit score
Tractor Finance FAQs
Common questions about tractor and farm machinery loans
We finance all major tractor brands including John Deere, Case IH, New Holland, Kubota, Massey Ferguson, Fendt, Claas, Deutz-Fahr, Valtra, and others. Both new tractors from dealers and quality used machines from private sales can be financed.
Tractor loans typically range from $30,000 for smaller utili...
Tractor loans typically range from $30,000 for smaller utility tractors to $500,000+ for large broadacre machines. The amount depends on the tractor value, your farm's financials, and the lender. We'll help you find finance that suits your needs.
Yes, many agricultural lenders offer seasonal or flexible re...
Yes, many agricultural lenders offer seasonal or flexible repayment options. This can include lower payments during quieter months and higher payments after harvest when cash flow is strongest. We'll structure finance around your farm's income cycle.
Yes, we finance both new and used tractors. Agricultural equ...
Yes, we finance both new and used tractors. Agricultural equipment often has a long working life, and many lenders will finance tractors 10-15+ years old depending on the condition and hours. Older tractors may require larger deposits.
Deposit requirements vary. Some lenders offer no-deposit opt...
Deposit requirements vary. Some lenders offer no-deposit options for strong applications, while others may require 10-20%. Having a trade-in or cash deposit can help secure better rates, especially for used tractors or applicants with credit challenges.
Yes, if you're GST registered. With chattel mortgage (the mo...
Yes, if you're GST registered. With chattel mortgage (the most common structure for farmers), you can claim the full GST amount upfront on your next BAS. This can significantly improve your cash flow on a major purchase.
Tractor finance terms typically range from 2 to 7 years. Lon...
Tractor finance terms typically range from 2 to 7 years. Longer terms mean lower repayments but more interest overall. We'll help you find a balance that works for your cash flow while considering the tractor's expected working life.
Yes. We work with specialist agricultural lenders who unders...
Yes. We work with specialist agricultural lenders who understand that farmers can face challenges beyond their control - drought, floods, commodity prices. If your farm is productive and you can demonstrate repayment ability, options are available.
Still have questions? Contact our friendly team
Related Agricultural Finance
Ready to Finance Your Tractor?
Contact us today to discuss your tractor finance options. We understand farming and will find finance that works with your operation.