Massey Ferguson Equipment Finance

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Estimate your repayments before speaking with an Equifund specialist.

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Annual interest rate 8.00% p.a.

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Term 60 months

12 months 84 months

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This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.

Specialist finance for new and used Massey Ferguson machinery, from MF 5S, 6S, 7S, 8S and 9S Series tractors to Ideal, Activa and Beta combine harvesters, balers, mowers and forage equipment. Equifund matches your application to the lender that scores machinery on farm cashflow, contracts and asset value, not a one-size-fits-all credit template. Massey Ferguson's long history on Australian farms and its nationwide dealer and parts network protect resale and serviceability, and we use that strength to push for sharper terms across our panel of 80+ lenders.

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Transport & Logistics

Farming & Agriculture

Construction & Earthmoving

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No obligation. Soft credit check only.

$50M+ financed in FY2025

Decisions in 24 to 48 hours vs major bank average of 5 to 10 business days

Dedicated Australia-based equipment finance team

Australian Credit License 389328

WHO THIS IS FOR

For Operators Buying Massey Ferguson Machinery

Established croppers, graziers, dairy farmers and ag contractors are often knocked back by banks, stalled in single-lender queues, or locked into one product by dealer finance. Usually it comes down to the same things: seasonal or invoice-based income, no residential property to offer as security, or a credit file marked from rate shopping. Whether you are upgrading to a high-horsepower 8S, replacing a combine before harvest, or adding a baler for fodder season, the standard bank template rarely fits the job.

Your application goes to specialist equipment lenders who assess seasonal and business income, asset value and trading history directly, in one structured submission with no multi-lender credit hits.

Broadacre croppers & graziers Running MF 6S, 7S, 8S or 9S tractors and Ideal or Activa combines on a cropping or grazing operation. Assessed on the farm's cashflow and the machine, with repayments matched to harvest and seasonal income.
Hay, fodder & ag contractors Balers, mowers, rakes and high-horsepower tractors running paddock to paddock through the season. Financed on the contracts and the gear, not a payslip or a house.
Dairy, livestock & mixed farms MF utility and mid-range tractors with loaders for feeding, silage and yard work, financed around the milk cheque or the season rather than a flat monthly schedule.
Hire fleets & multi-machine operators Operators running several tractors and implements, buying new, used, ex-hire or at clearing sale and auction, or refinancing existing machines into one facility.

WHAT WE FINANCE

Massey Ferguson Equipment We Finance

From utility and high-horsepower tractors to balers, hay gear and combine harvesters.

Compact & Utility Tractors

MF 1700 to 5700

Compact and utility tractors from the MF 1700 to 5700 Series for livestock, dairy, mixed farming and front-end loader work, with the simplicity Massey Ferguson is known for.

Mid-Range Tractors

MF 5S & 6S

MF 5S and 6S mid-range tractors, the workhorses of Australian mixed farms, for tillage, spraying, baling and general broadacre tasks.

High-Horsepower Tractors

MF 7S, 8S & 9S

High-horsepower MF 7S, 8S and 9S tractors for broadacre cropping, seeding and heavy tillage, with the 9S the flagship of the range.

Hay & Forage

Balers, Mowers & Rakes

MF round and square balers, disc mowers, rakes and tedders for hay, silage and fodder contracting, financed around seasonal cuts.

Combine Harvesters

Ideal, Activa & Beta

MF Ideal, Activa and Beta combine harvesters for broadacre grain, with repayments structured around the harvest and seasonal cashflow.

Check If You Qualify

SPECIALIST vs BANK vs DEALER

Equifund vs Bank vs Dealer Finance

How Massey Ferguson finance for ABN holders compares across your three funding options.

	Equifund, commercial finance specialist	Major bank	Dealer finance
Who they lend to	Established ABN holders, family farms to ag contractors, assessed on the business and the asset.	Prefers strong financials or PAYG strength, often backed by property.	Whoever is buying that brand at the desk, on a take-it-or-leave-it offer.
Income assessed	Seasonal, harvest, contract and BAS income. Low-doc for established ABNs, no full tax returns.	Full financials and tax returns usually required.	Limited, tied to the sale, not your wider business.
Lender choice	80+ Australian lenders matched to your deal.	One bank, one credit template.	One or two aligned financiers only.
Rate & structure	Market-tested rate, with balloon, seasonal repayments and 3 to 7 year terms.	Standard products with limited flexibility.	Rate loaded with dealer margin, and high balloons that flatter the monthly but cost more.
Used, ex-hire & auction	New, used, ex-hire, private-sale and clearing-sale machines all financed.	Restrictive on used, private and auction buys.	Usually the dealer's own stock only.
Deposit & security	$0 deposit for prime applications, secured on the machine, not your home.	Deposit and often property security required.	Varies, frequently bundled with add-ons.
Pre-approval speed	Typically inside 24 to 48 hours.	5 to 10 business days on average.	Fast at the desk, but the offer is fixed.

HOW THE PROCESS WORKS

How Massey Ferguson Equipment Finance Works

A simple, secure online application, with honest advice from an Australia-based equipment finance specialist you can trust.
No pressure. No hit to your credit score.

Complete the Form in 60 Seconds

Tell us which Massey Ferguson you're after and a few basics about your business. Takes about a minute, with no documents to upload yet and no impact on your credit score.

Speak With a Equipment Finance Specialist

An Australia-based equipment finance specialist reviews your situation and walks you through the documents needed for the lender match.

Get Pre-Approved Over the Phone

You'll have a clear pre-approval often within 1 business day, with rate, term and repayment structure tailored to how your seasonal income actually flows.

Settle the Loan
and Take Delivery

Your specialist sources the strongest matched offer and coordinates settlement with the dealer, private seller or auction house.

RECENT SETTLEMENTS

Real Massey Ferguson Finance Approvals Across Australia

Massey Ferguson machinery finance settled across 80+ Australian lenders, from family farms to ag contractors. ACL 389328.

"Broadacre wheat and canola, and the old header was going to cost us days we don't have at harvest. Wanted an Ideal before the season. The bank wanted three years of full financials and property security. A lender that set repayments around the harvest got it done, and we cut on time."

Broadacre cropper

Moree, NSW

"Mixed farm, cattle and a bit of cropping. The old 6 Series finally gave up and we needed a replacement before seeding. Our bank treated the ABN like a personal loan and capped us low. A low-doc lender took the BAS and the asset and had it sorted in two days."

Mixed farmer

Hamilton, VIC

"Hay and fodder contracting plus a bit of grazing. Picked up a clean used 7S at a clearing sale, but you've got about a day to sort the money or you lose it. The lender had it organised before the next cut, and the tractor's been flat out since."

Hay & fodder contractor

Naracoorte, SA

"Dairy operation, and the tractor with the loader does everything, feeding, silage, yard work. Wanted to upgrade before the old one cost more in downtime than repayments. A lender that read the milk cheque set repayments around the season, and we haven't missed a feed since."

Dairy farmer

Cobden, VIC

"Cotton and irrigation country, and the planter window is tight. Needed a high-horsepower 8S and the finance sorted fast. The lender pre-approved on the BAS and the asset, I planted on time, and the tractor's been earning across the rotation."

Cotton & irrigation farmer

Goondiwindi, QLD

Broadacre cropper

Moree, NSW

Mixed farmer

Hamilton, VIC

Hay & fodder contractor

Naracoorte, SA

Dairy farmer

Cobden, VIC

Cotton & irrigation farmer

Goondiwindi, QLD

"Sheep and wool, and we run our own hay to cut the feed bill. Added a baler and a mower conditioner to the MF we already had. Dealer finance only had the one structure. Equifund found a lender that read the operation and set it around shearing and the season."

Sheep & wool grazier

Hay, NSW

"Contract harvesting, we run paddock to paddock chasing the season. Wanted to add a second combine to take on more country. The bank wanted property security for one machine. A lender that read the contracts didn't, and the second machine paid for itself in the first run."

Contract harvester

Esperance, WA

"Broadacre cropping, and we stepped up to the 9S to pull the bigger air seeder and cover the program in the window we've got. Our bank dragged it out for weeks. Equifund matched a lender that understood the rotation and set repayments around grain income."

Broadacre cropper

Kojonup, WA

"Family farm with a couple of tractors and a baler on different finance from different years. Refinanced the lot into one facility so the books make sense, freed up a bit of room, and we've ordered another tractor for the busy season."

Family farm

Horsham, VIC

"Beef cattle and improved pasture, and the utility tractor handles feeding, slashing and yard work day in, day out. The old one was costing more in downtime than it was worth. A low-doc lender took the BAS and the asset, and the new MF hasn't missed a day."

Beef cattle grazier

Roma, QLD

Sheep & wool grazier

Hay, NSW

Contract harvester

Esperance, WA

Broadacre cropper

Kojonup, WA

Family farm

Horsham, VIC

Beef cattle grazier

Roma, QLD

FAQ

Common Massey Ferguson Equipment Finance Questions

Straight answers to the questions Massey Ferguson buyers ask most.

Which Massey Ferguson machinery can I finance?

The full range, new or used: MF 1700 to 5700 utility tractors, MF 5S and 6S mid-range tractors, MF 7S, 8S and 9S high-horsepower tractors, Ideal, Activa and Beta combine harvesters, plus balers, mowers, rakes, tedders and other hay and forage equipment. Front-end loaders and implements can be financed in the same facility.

Can I finance a used or ex-hire Massey Ferguson?

Yes. Used, ex-hire, dealer, private-sale, clearing-sale and auction Massey Ferguson machinery is all financeable through specialist lenders on our panel. The strong resale and the nationwide MF dealer and parts network help these deals, because lenders weigh the asset's residual value and serviceability in the approval.

Can I match repayments to harvest or seasonal income?

Often, yes. For croppers, graziers and contractors with seasonal or lumpy cashflow, lenders on our panel can structure harvest-timed, annual or progress-based repayments rather than a flat monthly schedule, so the machine is paid down when the income actually lands.

Can I finance a tractor and implements in one application?

Yes. A working setup, say an MF 6S tractor with a front-end loader and a baler, can be structured in a single submission to specialist lenders, rather than separate dealer-finance contracts for each piece of gear.

Do I need a deposit?

Not always. Many established farmers and contractors finance Massey Ferguson machinery with no deposit, securing the loan against the machine itself. A deposit or trade-in can lower repayments if you prefer, and we structure it around your cashflow either way.

Can I get finance on a low-doc or ABN-only basis?

Often, yes. For established ABN holders with a clean recent history, low-doc Massey Ferguson finance is available without full financials, assessed on bank statements, BAS and the asset. It suits farmers and contractors with seasonal or invoice-based income who do not fit a bank's standard template.

What is the difference between a chattel mortgage and a finance lease on farm machinery?

With a chattel mortgage you own the machine from day one and the lender holds security over it, which suits most operators and can carry GST and depreciation benefits. With a finance lease the lender owns the machine and you lease it for a set term. Your specialist will explain which fits your structure, and your accountant can confirm the tax treatment.

How quickly can I get pre-approved?

Usually within 24 to 48 hours of a complete application, compared with the 5 to 10 business days a major bank often takes. Pre-approval lets you walk onto the dealer lot or bid at a clearing sale knowing your number, which matters when a tractor or combine has to be in the paddock for the season.

Can I refinance or consolidate my existing Massey Ferguson loans?

Yes. You can refinance existing machinery to lower repayments, restructure a balloon before it falls due, or consolidate several machine loans into one facility, which frees up room for the next purchase.

Can I include front-end loaders, balers and implements in the finance?

Usually, yes. Front-end loaders, balers, mowers, rakes, slashers and other implements and attachments can be financed together with the Massey Ferguson tractor or combine in one facility, so the whole working setup sits under a single repayment.