New Holland Financial Services is the trading name for CNH Capital's agricultural finance offer in the UK, backing new New Holland tractors and machinery purchased through authorised dealers. Like all captive manufacturer lenders, it uses manufacturer subsidy to compete aggressively on rate - but that subsidy comes with constraints that independent finance does not have.
Rate Comparison: NH Financial vs Independent Panel
New Holland Financial (CNH Capital)
4.9% APR from - HP, new New Holland, prime credit
- Subsidised rate - manufacturer-backed
- Finance Lease from 4.5% APR
- Integrated with dealer purchase process
- New machines only
Independent Lender Panel (via DBF)
5.9% APR from - new NH via independent panel
- Used New Holland funded from 6.5% APR
- Adverse credit considered
- Seasonal payment schedules
- NH + Case IH + any brand in one facility
New Holland Financial - Full Rate Table
| Product | Finance Type | Rate from | Restrictions |
|---|---|---|---|
| New New Holland tractor | Hire Purchase | 4.9% APR | Authorised NH dealer only; prime credit |
| New New Holland tractor | Finance Lease | 4.5% APR | New machines only; dealer purchase |
| Used New Holland | Any | Not available | CNH Capital does not fund used |
Independent Panel - New Holland Finance
| Product | Finance Type | Rate from | Notes |
|---|---|---|---|
| New New Holland (any source) | HP / Finance Lease | 5.9% APR | Private or dealer purchase; any brand alongside |
| Used New Holland (up to 5 years) | Hire Purchase | 6.5% APR | NH Financial won't fund this |
| Used New Holland (5–10 years) | Hire Purchase | 7.4% APR | Subject to condition and valuation |
| NH + Case IH fleet facility | Mixed HP / Lease | 5.5% APR | Both CNH brands in one facility; 3+ machines |