Tractor Finance
Finance for tractors from all major manufacturers. John Deere, New Holland, Massey Ferguson, Case IH, Fendt, Claas, and Kubota on hire purchase or finance lease with seasonal payment structures. New and used - same-day decisions.
The right structure for every tractor requirement
New Tractor Finance
Finance for new tractors directly from the dealership. We compare dealer finance terms against our independent specialist agricultural lending panel - often finding better rates outside manufacturer financial services.
Used Tractor Finance
Finance for used tractors from private sales, specialist dealers, and auctions. Specialist agricultural lenders assess used tractor values accurately and fund machines that mainstream lenders decline.
Hire Purchase
Own the tractor outright at the end of the term. Capital allowances claimable. Fixed monthly or quarterly payments - the most common structure for farming businesses.
Seasonal Payment Structures
Payment schedules aligned with farm income patterns - lower payments in winter months, higher in summer harvest periods. Specialist agricultural lenders offer this where mainstream funders cannot.
Finance Lease
Use the tractor for the full lease term with lower monthly payments than hire purchase. Useful for farming businesses managing cash flow and wanting to keep equipment current.
Farm Fleet Finance
Finance for multiple tractors on a single farm in one facility. Consolidating tractor finance produces better per-unit terms and a single point of contact for the farm's entire machine finance.
How it works
Tractor details
Manufacturer, model, horsepower, year, hours, and condition. New or used - we identify specialist agricultural lenders immediately.
Competitive terms
We compare manufacturer finance, dealer finance, and independent agricultural lenders. Decisions within 24 hours.
Approval
Specialist agricultural lenders understand seasonal income, land-backed security, and the farming business model. New-entrant farmers and established operations alike.
Settlement
We settle with the dealer or private seller. The tractor is ready to work.
Ready to discuss Tractor Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Frequently asked questions
Is dealer finance always the best option for a tractor?
Not always - manufacturer financial services are often competitive but not always the best available. We compare dealer finance against our independent panel and present both options clearly.
Can I get tractor finance with seasonal payments?
Yes - specialist agricultural lenders offer seasonal payment structures aligned with farm income patterns. This is not available from mainstream lenders.
Can a new farming business get tractor finance?
Yes - specialist agricultural lenders assess land ownership, farming experience, and the business plan. New-entrant farmers with agricultural backgrounds are regularly funded.
Can I use the tractor as security alongside a farm mortgage?
In some structures, yes. We advise on how to structure finance that complements existing farm borrowing rather than conflicting with it.
What is the typical advance on a used tractor?
Typically 75-85% of current market value. Well-maintained tractors from major manufacturers retain strong values and support higher advance rates.
Before you commit to a structure
Speak to an asset finance specialist
130+ specialist lenders. 8am-8pm, Monday-Sunday.