Quick answer
Farm asset finance in New Zealand funds tractors, implements, milking systems, irrigation, ATVs and side-by-sides, farm utes, sheds and storage. NZ farm lenders are used to seasonal cash flow and can structure repayments to match — annual, semi-annual or step-down schedules are common. Most farm finance is hire purchase or chattel mortgage with terms 36–84 months. Specialist NZ non-bank lenders (UDC, Heartland) and OEM finance (John Deere Financial) compete with the rural banks (BNZ Rural, ANZ Agribusiness, Rabobank). Indicative rates from ~7.6% p.a.
What we finance
- Tractors (John Deere, Case IH, New Holland, Kubota, Massey Ferguson)
- Implements (cultivators, mowers, balers, drills, sprayers)
- Milking systems and dairy plant
- Irrigation (pivots, K-line, drip)
- ATVs, side-by-sides (Polaris, Honda, Can-Am, John Deere)
- Farm utes, trucks, sheds, fencing equipment
At a glance
| Typical structure | Hire purchase or chattel mortgage; seasonal payment schedules available |
| Indicative rate | From ~7.6% p.a. (new, prime borrower) |
| Typical term | 36–84 months matched to asset useful life |
| Typical max finance | Up to 100% on new from a recognised dealer; 80–90% on used |
Indicative only. Actual offers depend on lender credit assessment, the asset, deposit and your business profile. All applications subject to lender credit approval.
Lenders we typically match
Subject to each lender's credit assessment. Not all lenders quote on every enquiry.
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Transport and logistics is the highest-volume asset finance category in New Zealand — trucks, prime movers, trailers, vans, refrigerated units and supporting plant.
Construction Finance
Construction and civil is the second-largest NZ asset finance segment, covering excavators, loaders, dump trucks, cranes, telehandlers, prime movers, utes and supporting tools and equipment.