Full Lender Comparison Table - October 2026
Rates indicative from, subject to status, asset and term. Green rate = sub-6% from price. Representative APR will differ.
| Lender | Type | Rate from | Max LTV | Max term | Key strengths | Detail |
|---|---|---|---|---|---|---|
| Close Brothers | Independent | 5.5% | 80% | 7 yrs | Hire purchase specialists, flexible structuring for farms | View rates → |
| Aldermore | Independent | 5.9% | 80% | 7 yrs | SME-focused, fast credit decisions, wide asset range | View rates → |
| Shawbrook | Independent | 6.1% | 75% | 5 yrs | Finance lease specialists, sale & leaseback expertise | View rates → |
| Black Horse | Captive | 5.6% | 85% | 7 yrs | New machinery, point-of-sale rates for major dealers | View rates → |
| Lombard | Captive | 5.8% | 80% | 10 yrs | Longest terms available, infrastructure & renewables | View rates → |
| BNP Paribas Leasing | Captive | 5.7% | 80% | 7 yrs | European manufacturer finance, strong residual values | View rates → |
| Wesleyan | Independent | 6.4% | 75% | 5 yrs | Specialist professional sectors, flexible repayment | View rates → |
| CAF Bank | Independent | 6.8% | 70% | 5 yrs | Charitable & community rural enterprises | View rates → |
| Funding Circle | Independent | 7.2% | 70% | 5 yrs | Fast online decisions, new-to-credit businesses | View rates → |
| Cynergy Bank | Independent | 6.6% | 75% | 7 yrs | Family farm specialists, bespoke underwriting | View rates → |
| Fleximize | Independent | 8.5% | 65% | 4 yrs | Start-ups and adverse credit considered | View rates → |
| iwoca | Independent | 9.9% | 60% | 3 yrs | Short-term working capital, same-day decisions | View rates → |
Rates correct as at October 2026. Subject to change without notice. We are a credit broker, not a lender.
Individual Lender Rate Pages
Full rate tables, eligibility criteria and worked examples for each lender:
Close Brothers Agricultural Finance Rates →Aldermore Agricultural Finance Rates →Shawbrook Agricultural Finance Rates →Black Horse Agricultural Finance Rates →Lombard Agricultural Finance Rates →BNP Paribas Leasing Agricultural Finance Rates →Wesleyan Agricultural Finance Rates →CAF Bank Agricultural Finance Rates →Funding Circle Agricultural Finance Rates →Cynergy Bank Agricultural Finance Rates →Fleximize Agricultural Finance Rates →iwoca Agricultural Finance Rates →
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.
Aldermore Agricultural Vehicle Finance Rates
Rates shown are indicative for October 2026. Final terms depend on creditworthiness, asset age and deposit. All figures subject to Aldermore underwriting.
| Product | Rate from | Term | Deposit | Notes |
|---|---|---|---|---|
| ATV/UTV HP (new, clean credit) | From 6.4% APR | 24–60 months | 10%+ | Standard tier |
| ATV/UTV HP (adverse/thin file) | From 7.2% APR | 24–48 months | 20%+ | Specialist underwriting |
| Older ATV (5–10 yrs, used) | From 7.5% APR | 24–36 months | 20%+ | Subject to condition |
| Finance Lease | From 6.7% APR | 24–60 months | N/A | VAT businesses |
| Agricultural Vehicle Refinance | From 7.0% APR | 12–48 months | N/A | LTV-dependent |
| Newer Business (<2 yrs trading) | From 7.8% APR | 24–48 months | 25%+ | Director guarantee likely |
Black Horse Agricultural Vehicle Finance Rates
Rates shown are indicative for October 2026. Final terms depend on creditworthiness, asset age and deposit. All figures subject to Black Horse underwriting.
| Product | Rate from | Term | Deposit | Notes |
|---|---|---|---|---|
| ATV HP (new, strong credit) | From 5.7% APR | 24–60 months | 10%+ | Best rate tier |
| ATV HP (used, up to 5 yrs) | From 6.1% APR | 24–48 months | 15%+ | |
| UTV / Side-by-Side HP | From 5.9% APR | 24–60 months | 10%+ | New assets |
| Finance Lease - farm vehicles | From 6.0% APR | 24–60 months | N/A | VAT businesses |
| Farm Pickup HP (new) | From 5.8% APR | 24–60 months | 10%+ | Hilux, Ranger, Defender |
| Operating Lease | From 6.2% APR | 24–48 months | N/A | Fleet-focused |
Close Brothers Agricultural Vehicle Finance Rates
Rates shown are indicative for October 2026. Final terms depend on creditworthiness, asset age and deposit. All figures subject to Close Brothers underwriting.
| Product | Rate from | Term | Deposit | Notes |
|---|---|---|---|---|
| ATV / Quad Bike HP (new) | From 5.9% APR | 24–60 months | 10%+ | Strong credit profile |
| ATV / Quad Bike HP (used) | From 6.4% APR | 24–48 months | 15%+ | Up to 7 years old |
| UTV / Side-by-Side HP | From 6.1% APR | 24–60 months | 10%+ | Polaris, John Deere Gator, etc. |
| Finance Lease - ATVs/UTVs | From 6.3% APR | 24–60 months | N/A | VAT-registered businesses |
| Tractor as Vehicle (HP) | From 6.6% APR | 24–60 months | 15%+ | Mixed road/farm use |
| Sale & Leaseback | From 6.9% APR | 24–48 months | N/A | Subject to asset valuation |
Shawbrook Agricultural Vehicle Finance Rates
Rates shown are indicative for October 2026. Final terms depend on creditworthiness, asset age and deposit. All figures subject to Shawbrook underwriting.
| Product | Rate from | Term | Deposit | Notes |
|---|---|---|---|---|
| ATV/UTV HP (new) | From 6.2% APR | 24–60 months | 10%+ | Good credit |
| ATV/UTV HP (used, <5 yrs) | From 6.6% APR | 24–48 months | 15%+ | |
| Finance Lease - farm vehicles | From 6.4% APR | 24–60 months | N/A | VAT registered |
| Farm Pickup / 4x4 HP | From 6.3% APR | 24–60 months | 10%+ | Agricultural use |
| Agricultural Refinance | From 6.8% APR | 12–48 months | N/A | LTV assessed |
| Complex / non-standard case | From 7.4% APR | 24–48 months | 20%+ | Referral underwriting |