UK Combine Harvester Finance Rate Comparison - October 2026
The table below shows indicative best rates from major UK agricultural finance lenders in October 2026. All rates are subject to status, asset age and deposit. Doulton Bridging Finance accesses all lenders below through a single enquiry.
| Lender | HP Rate (From) | Finance Lease (From) | Max Term | Specialist Strength |
|---|---|---|---|---|
| Black Horse | 5.7% APR | 6.0% APR | 84 months | Lloyds-backed; competitive on new machines |
| Lombard (NatWest) | 5.8% APR | 6.0% APR | 84 months | Large-ticket; multi-machine facilities |
| Close Brothers | 5.9% APR | 6.2% APR | 84 months | Flexible on older & adverse-credit cases |
| BNP Paribas Leasing | 5.8% APR | 5.5% APR | 72 months | Lowest finance lease; strong on new CLAAS/NH |
| Agri Lending | 6.1% APR | 6.3% APR | 60 months | Specialist agricultural; complex cases |
| John Deere Financial | 5.85% APR | - | 60 months | JD machines only; promotional 0% available |
| CNH Industrial Capital | 6.1% APR | - | 60 months | Case IH / New Holland only |
| CLAAS Financial Services | 5.95% APR | - | 60 months | CLAAS machines only; dealer-integrated |
Rates are indicative for October 2026 and subject to status. A formal illustration is provided before any agreement. Captive lender rates shown are for comparison only - apply via Doulton Bridging Finance for a full market comparison.
How to Get the Best Combine Harvester Finance Rate
Use an Independent Broker
Approaching a single lender means you receive one rate. Using Doulton Bridging Finance, your enquiry is assessed by 15+ UK agricultural lenders simultaneously - the market decides the best outcome, not a single underwriter.
Prepare Strong Accounts
Up-to-date filed accounts or farm management accounts significantly improve your rate. Lenders price risk - strong, clear financials reduce perceived risk and translate directly to a sharper headline rate.
Maximise Your Deposit
A 20% deposit typically unlocks the best available tier. Bridging the gap with a smaller deposit is possible but expect a rate premium of 0.2–0.5% APR depending on lender and loan-to-value.
Rates and criteria by lender
How each lender and manufacturer finance scheme on our panel prices this asset in October 2026, and where it fits. Rates are indicative; we compare them all for your case.
Black Horse Combine Harvester Finance - Rates & Terms October 2026
The table below shows indicative Black Horse rates for combine harvester finance in October 2026. As an independent broker, Doulton Bridging Finance accesses Black Horse alongside the full UK agricultural lending panel - meaning we can often present a more competitive package than approaching Black Horse directly.
| Finance Type | Indicative Rate | Term | Notes |
|---|---|---|---|
| Hire Purchase (HP) | From 5.7% APR | Up to 84 months | Lloyds-backed; competitive on new machines |
| Finance Lease | From 6.0% APR | Up to 60 months | VAT benefit; no balloon required |
| Operating Lease | From 6.3% APR | 36–60 months | Manufacturer-residual option |
| Sale & Leaseback | POA | Up to 60 months | Capital release on existing fleet |
BNP Paribas Leasing Combine Harvester Finance - Rates & Terms October 2026
The table below shows indicative BNP Paribas Leasing rates for combine harvester finance in October 2026. As an independent broker, Doulton Bridging Finance accesses BNP Paribas Leasing alongside the full UK agricultural lending panel - meaning we can often present a more competitive package than approaching BNP Paribas Leasing directly.
| Finance Type | Indicative Rate | Term | Notes |
|---|---|---|---|
| Finance Lease (New) | From 5.5% APR | Up to 72 months | Strongest on new equipment |
| Hire Purchase (HP) | From 5.8% APR | Up to 72 months | Ownership at end of term |
| Operating Lease | From 5.9% APR | 36–60 months | Fleet management option |
| Sale & Leaseback | POA | Up to 60 months | Capital release; VAT efficient |
Close Brothers Combine Harvester Finance - Rates & Terms October 2026
The table below shows indicative Close Brothers rates for combine harvester finance in October 2026. As an independent broker, Doulton Bridging Finance accesses Close Brothers alongside the full UK agricultural lending panel - meaning we can often present a more competitive package than approaching Close Brothers directly.
| Finance Type | Indicative Rate | Term | Notes |
|---|---|---|---|
| Hire Purchase (HP) | From 5.9% APR | Up to 84 months | Most popular; ownership at end |
| Finance Lease | From 6.2% APR | Up to 60 months | Lower monthly cost; no ownership |
| Operating Lease | From 6.5% APR | 36–60 months | Off-balance sheet option |
| Sale & Leaseback | POA | Up to 60 months | Release equity from existing asset |
Lombard Combine Harvester Finance - Rates & Terms October 2026
The table below shows indicative Lombard rates for combine harvester finance in October 2026. As an independent broker, Doulton Bridging Finance accesses Lombard alongside the full UK agricultural lending panel - meaning we can often present a more competitive package than approaching Lombard directly.
| Finance Type | Indicative Rate | Term | Notes |
|---|---|---|---|
| Hire Purchase (HP) | From 5.8% APR | Up to 84 months | Large ticket specialist |
| Finance Lease | From 6.0% APR | Up to 60 months | No end-of-term balloon |
| Contract Hire | From 6.2% APR | 36–60 months | Maintenance-inclusive option |
| Sale & Leaseback | POA | Up to 72 months | Refinance existing fleet |
CLAAS Combine Harvester Finance: Captive vs Independent Broker
The table below compares the indicative rates available through CLAAS Financial Services directly against those accessible via an independent broker such as Doulton Bridging Finance. Rates are indicative for October 2026.
| Factor | CLAAS Financial Services | Independent Broker (DBF) |
|---|---|---|
| Indicative HP Rate | 5.95% APR | CLAAS Financial Services only finances CLAAS machines - if you are comparing brands or considering a used combine from a different manufacturer, you will need a separate finance arrangement. APR (best available) |
| Lenders Compared | 1 (own product only) | 15+ UK agricultural lenders |
| Manufacturer Bias | Only finances CLAAS machines | Finance any brand or used combine |
| FCA Regulated Advice | Not a regulated broker | FCA No. 814533 |
| Adverse Credit | Limited flexibility | Specialist adverse lenders available |
| Broker Fee | None (rate may be higher) | No direct fee to borrower |
| Speed | Fast for approved dealers | 24–48 hr decisions |
Case IH Combine Harvester Finance: Captive vs Independent Broker
The table below compares the indicative rates available through CNH Industrial Capital directly against those accessible via an independent broker such as Doulton Bridging Finance. Rates are indicative for October 2026.
| Factor | CNH Industrial Capital | Independent Broker (DBF) |
|---|---|---|
| Indicative HP Rate | 6.1% APR | CNH Industrial Capital will only finance Case IH and New Holland branded machines. If you are considering a used combine from another manufacturer - or wish to compare brands - you will need an independent finance route. APR (best available) |
| Lenders Compared | 1 (own product only) | 15+ UK agricultural lenders |
| Manufacturer Bias | Only finances Case IH machines | Finance any brand or used combine |
| FCA Regulated Advice | Not a regulated broker | FCA No. 814533 |
| Adverse Credit | Limited flexibility | Specialist adverse lenders available |
| Broker Fee | None (rate may be higher) | No direct fee to borrower |
| Speed | Fast for approved dealers | 24–48 hr decisions |
John Deere Combine Harvester Finance: Captive vs Independent Broker
The table below compares the indicative rates available through John Deere Financial directly against those accessible via an independent broker such as Doulton Bridging Finance. Rates are indicative for October 2026.
| Factor | John Deere Financial | Independent Broker (DBF) |
|---|---|---|
| Indicative HP Rate | 5.85% APR | John Deere Financial only finances John Deere equipment - meaning if you want to compare a John Deere S790 against a CLAAS Lexion 8900 or a New Holland CR, you would need separate finance quotes from different captive arms. APR (best available) |
| Lenders Compared | 1 (own product only) | 15+ UK agricultural lenders |
| Manufacturer Bias | Only finances John Deere machines | Finance any brand or used combine |
| FCA Regulated Advice | Not a regulated broker | FCA No. 814533 |
| Adverse Credit | Limited flexibility | Specialist adverse lenders available |
| Broker Fee | None (rate may be higher) | No direct fee to borrower |
| Speed | Fast for approved dealers | 24–48 hr decisions |