Loans for All Applications
We provide tractor loans for operators in all applications across agriculture, construction, earthmoving, and land management.
Drive Production with Our Lower Interest Rate Tractor Loans
Acquiring new machinery can be key to increasing output and improving efficiencies to achieve a better bottom line for the business. But efforts to maximise profit results can be hampered if the tractor financing interest rates are not the best achievable and make repayments unworkable with cash flow.
Why Jade Finance?
Apply Online
The easy application process provides you with comprehensive information. Make a fully informed decision on your equipment loan.
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Save time, money, and worry - Get Pre-Approval for your finance.
Equipment Loan Specialist
With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
Tractor Loans with Competitive Rates and Flexible Terms
We provide operators with expert lending services to secure the lowest possible interest rates to support businesses to maximise results with new tractor purchases.
Our services are readily available to operators across Australia seeking tractor finance. We work with businesses in the farming and agricultural sector, earthmoving and construction, materials handling, waste industries, landscaping, land management, forestry and timber and other sectors where tractors are integral to operations.
With access to over 80 lenders including heavy vehicle specialists, we have the resources to source the best rates on the market. Through our 25+ years in the business and highly skilled brokers, we have the expertise to negotiate and structure tractor loan solutions to suit turnover and financial objectives.
Tailored Tractor Loans for Agriculture, Construction, and More
Whether an established long-running operator or a new, self-employed contractor, we have a full portfolio of lending products to suit all business structures and sizes across all industry sectors. To discuss financing a tractor, speak with one of our brokers about the possibilities we may secure for your purchase.
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Tractors
Tractors to work the land, move the earth, handle materials, and manage property.
Vehicles
Funding is available for all types – 2WD, 4WD & FWA, crawlers, new and second-hand, with all engine power ratings.
All Makes and Models
Models from all leading manufacturers can be funded including CAT, Massey Ferguson, Deutz Fahr, Kubota, Case IH, purchased through dealers, at field days, auctions and from private sellers.
Include Attachments
Where a vehicle is being acquired with a range of attachments, our brokers work to include the cost of the extras in the same tractor loan.
Cash Flow
Simplifying repayments and avoiding having to use cash reserves for the accessories.
Scaled to Suit
We provide solutions for a wide range of business entities including family enterprises, trusts, partnerships, SMEs, large corporations, small growers and producers, and self-employed contractors.
New Operators
Workable tractor financing solutions are negotiated for new operators and sole traders through our accreditations with specialist non-bank lenders. For a quick quote on financing a tractor, request a quote online or give us a call.
Tailored Tractor Financing for All Business Types and Applications
We provide solutions for a wide range of business entities including family enterprises, trusts, partnerships, SMEs, large corporations, small growers and producers, and self-employed contractors. Workable tractor financing solutions are negotiated for new operators and sole traders through our accreditations with specialist non-bank lenders. For a quick quote on financing a tractor, request a quote online or give us a call.
- Tractor loans for farming, agriculture, earthmoving & other applications.
- Affordable funding for all major tractor brands.
- Tractor financing solutions for all business entities.
Equipment finance guides and resources
Our guides offer quick comparisons and simple explainers to help you rise above the financing process with confidence.
Specialised Equipment Finance
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Tractor Finance Facilities to Suit All Business Set-ups, Objectives
Businesses have varying objectives, accounting methods, approaches to asset ownership and different financial goals. Selecting the right tractor financing product is an important step in securing funding that will work to achieve the individual objectives of the operation. Our complete range of asset acquisition credit facilities includes options to suit all entities, structures and preferences.
We provide heavy vehicle funding with the operator’s choice of Commercial Hire Purchase, Rent-to-Own, Lease and Chattel Mortgage. These facilities can suit both new and used vehicles where the vehicle is considered acceptable collateral by the lender.
Where a new or small operator does not meet lender criteria for approval – under 12 months trading period, low turnover, without complete financials, our access to low doc and no doc loans provides opportunities to secure an affordable solution.
The key differences with asset acquisition credit facilities are:- suitability to businesses using either the cash or the accruals method of accounting; whether the lender or the operator owns the vehicle in title during the loan term; what elements of the loan are tax deductible; how GST is applied; finalising the loan at the conclusion of the term; and the interest rates. It is strongly recommended that business owners speak with an accountant to clarify the most appropriate credit product for their business set-up.
Despite the variations across the types of credit, we secure all options with the most competitive tractor finance interest rates which are fixed for the full loan term. Terms are also fixed and negotiated by our brokers to suit the ownership cycle and to deliver a workable repayment schedule.
Commercial Hire Purchase and Chattel Mortgage allow the option for a balloon to be included. Rent-to-Own tractor loans include a buyback which is the opportunity to take ownership at the conclusion of the finance period. A residual is included with Tractor Leasing.
All tractor financing is individually sourced and structured by our brokers. Assuring operators of a solution which is tailored specifically to their requirements. Speak with one of our brokers about the workable, cost-effective financing we can arrange for you.
- Flexible Tractor Lease.
- Versatile Chattel Mortgage Tractor Finance.
- CHP and Rent-to-Own options for financing tractors.
- Fixed terms, fixed repayments, competitive low fixed rates.
- Low and No Doc loans for new operators.
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![A red tractor with spraying attachment working in a food crop near sunset.]()
Enjoy Tailored Tractor Loans with Our Personal Financing Approach
When choosing Jade Finance to source their tractor finance, business owners and operators can receive many benefits and realise many advantages. Each customer is assigned their own individual broker to provide a personal approach to the process and facilitate a tailored financing solution to be secured.
Utilising professionals to arrange funding can save operators significant time and open opportunities to access more, including specialised, lenders. Operators in many working environments can face time challenges, especially in agriculture and construction where workdays are spent well away from the office. Faced with time constraints, operators may opt for what appears the easiest way to a loan for a tractor – simply calling their bank. This may mean missing out on achieving better rates and a more tailored solution through other lenders.
With your Jade broker handling your funding requirements, your time is spent on your business and ours on finding you the best tractor loan. We are accredited with more than 80 lenders including banks, financing companies and specialists in heavy vehicle lending.
Using our sharp skills and leverage with lenders, our brokers negotiate on funding terms and conditions to structure an outcome to specifically suit individual cash flow, seasonal turnover and key objectives.
To save time in sourcing tractor finance, secure the best rates and have the confidence that experts are addressing your interests, speak with one of our brokers.
- Best tractor loan interest rates – 80+ lenders.
- Personal attention, tailored tractor financing solutions.
- Access to specialist heavy vehicle lenders.
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![Looking at the back of a large tractor parked in a field.]()
Compare, Estimate, Plan with Tractor Financing Calculator
Compare different vehicle models, plan major machinery purchases and estimate tractor loans quickly and easily with our online finance calculator. This device can be used to calculate funding estimates for all loan types, all tractor variations, and for all business set-ups.
Simply change the figures entered to compare different priced vehicles, to see estimates with and without attachments in the loan, compare Leasing with Chattel Mortgage, and to establish preferred loan terms and balloons. Then, for a quote based on individual credentials and requirements, request a quote online or by phone.
- Compare finance on machinery makes and models.
- Estimate tractor loans before applying.
- Plan major vehicle acquisitions.
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![A John Deere tractor with a ploughing attachment working in a field on a bright sunny day.]()
Save Time, Get Approved Fast – Apply for a Tractor Loan with Jade Finance
Applying for tractor finance with us is a straightforward and streamlined process. Designed to save our customers time and get their funding approved quickly. The necessary information, financials and details required can be provided online or by phone with one of our brokers.
With your requirements and details received, your Jade broker proceeds to handle sourcing you the best rates, most workable financing and getting your application approved in 24 hours. You simply need to consider any offer presented and make your decisions.
If planning to buy a tractor at a field day or at auction, apply for funding ahead of time, get approved and be ready to order. Contact us today to start your tractor loan application.
- Fast 24 hour tractor loan approval.
- Simple finance application process.
- Experts to handle applications and approvals.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 19/09/2024 AND SUBJECT TO CHANGE. WARNING: THE INTEREST RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT INTEREST RATE.
We work harder to secure the best rates.
Tractor Equipment Loan FAQs
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New businesses may not have all the documentation or have traded long enough to meet eligibility guidelines of some lenders. They can contact a broker to source low doc and no doc funding through specialist lenders.
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Operators have a choice of Commercial Hire Purchase, Leasing, Chattel Mortgage and Rent-to-Own to fund tractor purchases. The best option is the credit product that suits the method of accounting used by the business and the business owner’s approach to their balance sheet and their individual objectives and preferences.
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Applications for machinery financing can be submitted prior to a purchase, based on an estimate of the funding required and an indication of the vehicle details.
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Asset acquisition funding allows for the goods being financed to be used as collateral. Many businesses are not required to offer additional security. This decision is subject to the lender assessment of the individual application.
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Rent-to-Own and Leases have fully tax deductible finance payments. Commercial Hire Purchase and Chattel Mortgage deliver tax deductions when the asset is depreciated.
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Used heavy vehicles can be financed with asset acquisition credit facilities where the lender approves the unit as suitable security. When not accepted as security, other credit facilities such as business loans may be considered.
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Asset acquisition financing attracts a fixed rate of interest. It does not change over the time the loan is being repaid.
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Full ownership of financed vehicles is transferred to the borrower when all payments on the loan are finalised. With Chattel Mortgage the ownership is transferred to the borrower on settlement, but the lender holds security over the goods until the loan is finalised. With Leasing, the residual must be paid in order to take full ownership.
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An online calculator may be used to calculate loan estimates to compare different units at different prices.
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The cost of attachments may be included in a vehicle loan where purchased concurrently from the same dealer, as the vehicle.