Tractor Finance

Case IH Finance UK - Rates vs Independent Agricultural Lenders

Case IH Finance (CNH Capital) offers subsidised rates through the Case IH dealer network for new machinery - competitive for prime borrowers, but unavailable for used equipment and inflexible on payment structure.

APR from - Case IH Finance HP, new 4.9%

APR from - Case IH Finance Lease, new 4.5%

APR from - used Case IH, independent panel 6.5%

Rates updated October 2026

Case IH Finance is provided by CNH Capital, the financial arm of CNH Industrial - the same parent company that operates New Holland Financial Services. If you currently finance both Case IH and New Holland machinery separately, an independent broker can consolidate into a single lender facility, often at competitive rates.

Rate Comparison: Case IH Finance vs Independent Panel

Case IH Finance (CNH Capital)

4.9% APR from - HP, new Case IH, prime credit

Manufacturer-subsidised rate
Finance Lease from 4.5% APR
Integrated dealer purchase
New machines only

Independent Panel (via DBF)

5.9% APR from - new Case IH via panel

Used Case IH funded from 6.5% APR
Adverse credit considered
Seasonal payment schedules available
Case IH + New Holland in one facility

Case IH Finance - Rate Table

Case IH Finance (CNH Capital) - Indicative Rates, October 2026
Product	Finance Type	Rate from	Restrictions
New Case IH tractor	Hire Purchase	4.9% APR	Case IH dealer only; prime credit required
New Case IH tractor	Finance Lease	4.5% APR	New machines only; dealer purchase
Used Case IH	Any	Not available	CNH Capital does not fund used

Independent Panel - Case IH Finance

Independent Lender Panel - Case IH Tractor Finance, October 2026
Product	Finance Type	Rate from	Notes
New Case IH (any source)	HP / Finance Lease	5.9% APR	Private or dealer purchase
Used Case IH (up to 5 years)	Hire Purchase	6.5% APR	AHV accepted; CNH Capital won't fund this
Used Case IH (5–10 years)	Hire Purchase	7.4% APR	Subject to condition and valuation
Case IH + NH fleet facility	Mixed HP / Lease	5.5% APR	CNH brands consolidated; 3+ machines

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FAQs

Frequently asked questions

What are Case IH Finance rates in the UK in 2026?

Case IH Finance (CNH Capital) rates start from 4.9% APR for hire purchase and from 4.5% APR for finance lease on new Case IH machinery, as of October 2026. These rates are available only through authorised Case IH dealers for new machines with a prime credit profile.

Does Case IH Finance fund used tractors?

No. Case IH Finance (CNH Capital) does not fund used tractors. If you are buying a used Case IH, independent finance is required, available from 6.5% APR through an independent broker panel for machines up to 5 years old.

Is Case IH Finance the same as New Holland Financial Services?

Yes. Both are funded by CNH Capital, the finance arm of CNH Industrial, which owns both the Case IH and New Holland brands. The rates and eligibility criteria are broadly the same across both brands through their respective dealer channels.

Can I get seasonal payment schedules with Case IH Finance?

Case IH Finance does not typically offer harvest-aligned seasonal payment schedules. Independent lenders accessed through a broker can provide seasonal structures that align payments with harvest income periods - valuable for arable and mixed farms.

What credit score do I need for Case IH Finance?

Case IH Finance (CNH Capital) requires a prime credit profile. Adverse credit history, CCJs or recent missed payments are likely to result in a declined application. Independent lenders on a broker panel typically have more flexibility and can consider adverse credit applications.

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Asset finance is not regulated by the FCA. Your asset may be repossessed if you do not keep up repayments. Rates shown are indicative only. Doulton Bridging Finance has no affiliation with Case IH, CNH Capital or CNH Industrial.