Agricultural Finance

Used Combine Harvester Finance: Rates & Lenders October 2026

Finance for used combine harvesters from the UK's leading agricultural lenders. Independent comparison from Doulton Bridging Finance - FCA No. 814533.

From (Used HP) 6.1%

Max Asset Age 10 yrs

Max Months 84

Lenders on Panel 130+

Used Combine Harvester Finance Rates - October 2026

Used combine harvesters represent strong value for growing farming businesses - and the UK agricultural finance market has a mature set of lenders willing to fund them. The table below shows indicative rates from the main lenders for used combine harvester HP in October 2026.

Lender	Used HP Rate (From)	Max Asset Age	Max Term	Notes
Close Brothers	6.2% APR	12 yrs at end	84 months	Most flexible on older / complex
Black Horse	6.0% APR	10 yrs at end	84 months	Best for near-new used
Lombard	6.1% APR	10 yrs at end	84 months	Large ticket; multi-machine
BNP Paribas Leasing	6.1% APR	5 yrs at end	60 months	Near-new only
Agri Lending	6.4% APR	15 yrs at end	60 months	Specialist; older machines

Rates are indicative for October 2026, subject to status, asset age, deposit and credit profile. A formal illustration will be provided before any agreement.

What Lenders Look for on Used Combines

Age at End of Term

Most mainstream agricultural lenders cap used combine age at 10–12 years at the end of the finance term. A 6-year-old combine on a 5-year term (11 years at end) is typically acceptable; a 10-year-old on a 5-year term (15 years at end) will require specialist lenders.

Provenance & Condition

A documented service history from an authorised dealer significantly improves the lender's comfort on residual value risk. Machines with known service records attract sharper rates than private sale purchases with incomplete history.

Higher Deposit Required

Used combine lenders typically require 15–20% deposit rather than the 10% available on new equipment. This reflects the lender's higher residual value risk on older assets.

Auction & Private Sale Finance for Used Combines

Buying a used combine at auction or from a private seller is common in UK farming - but it creates additional steps for finance. Key points:

Lenders may require an independent condition report or engineer's valuation
Finance must typically be arranged before or at the point of sale - not retrospectively
Close Brothers and specialist agricultural lenders are most flexible for auction purchases
Doulton Bridging Finance can often turn around auction finance decisions within 24 hours
VAT treatment differs for private sales - confirm with your accountant

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FAQs

Frequently asked questions

Can I finance a used combine harvester?

Yes. Most major UK agricultural lenders including Close Brothers, Lombard, Black Horse and specialist agri lenders will finance used combine harvesters. The key criteria are asset age at the end of the term (typically no more than 10–12 years), machine condition and provenance, and your business financials.

What is the maximum age of combine harvester that can be financed?

Most mainstream agricultural lenders will consider used combines up to 8–10 years old at the start of the agreement, providing the asset is no more than 12 years old at the end of the term. Some specialist lenders will consider older machines on a case-by-case basis, particularly for well-documented service histories.

Are used combine harvester finance rates higher than new?

Yes - used combine finance typically attracts a rate premium of 0.3–0.8% APR over equivalent new machine rates, reflecting the higher residual value risk for the lender. The premium is smaller for recent used machines in excellent condition with documented service history.

Can I finance a combine harvester bought at auction?

Yes, though auction purchases require a slightly different approach. The asset needs to be inspected and valued, and some lenders require an engineer's report. Close Brothers and specialist agricultural lenders tend to be the most flexible for auction-purchased combines. Doulton Bridging Finance can advise on structuring auction finance quickly.

What deposit do I need for used combine harvester finance?

For used combines, most UK lenders require a minimum deposit of 15–20% of the purchase price, compared to 10% for new machines. This higher deposit requirement reflects the lower residual value certainty on older assets. Larger deposits will improve your rate and approval prospects.

Combine Harvester Finance Best Combine Harvester Finance Rates Agricultural finance Agricultural Finance Lender Comparison Asset finance calculator

Asset finance for business purposes is not regulated by the FCA. Rates shown are indicative as at October 2026 and depend on credit profile, term, asset and deposit. We act as a credit broker, not a lender. Your asset may be repossessed if you do not keep up repayments.