New Holland Equipment Finance

Loan Calculator

Estimate your repayments before speaking with an Equifund specialist.

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Annual interest rate 8.00% p.a.

3% 18%

Term 60 months

12 months 84 months

Balloon / residual 0% of loan

0% 60%

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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 New Holland machinery, from T4, T5, T6, T7, T8 and T9 Series tractors and CR and CX combine harvesters to Roll Belt and BigBaler balers, mowers, forage harvesters and New Holland Construction skid steers, backhoes and loaders. Equifund matches your application to the lender that scores machinery on business cashflow, contracts and asset value, not a one-size-fits-all credit template. New Holland's dealer and parts network across Australia protects resale and serviceability, and we use that strength to push for sharper terms across our panel of 80+ lenders.

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30-second check. No impact on your credit score.

Choose your industry

Choose the category that best describes your finance requirement.

Transport & Logistics

Farming & Agriculture

Construction & Earthmoving

Other

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 New Holland Machinery

Established croppers, graziers, ag contractors and earthmoving subcontractors 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 T8, replacing a combine before harvest, or adding a skid steer for civil work, 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 T6, T7, T8 or T9 tractors and CR or CX 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, forage harvesters and high-horsepower tractors running paddock to paddock through the season. Financed on the contracts and the gear, not a payslip or a house.
Civil & earthmoving contractors New Holland Construction skid steers, compact track loaders, backhoes and wheel loaders for site prep, material handling and civil work that pays on progress claims, not flat months.
Hire fleets & mixed operators Operators running both ag and construction gear, buying new, used, ex-hire or at clearing sale and auction, or refinancing existing machines into one facility.

WHAT WE FINANCE

New Holland Equipment We Finance

From utility and high-horsepower tractors to balers, combines and construction gear.

Utility & Compact Tractors

T4, T5 & Boomer

T4, T5 and Boomer utility and compact tractors for livestock, dairy, mixed farming and front-end loader work, manoeuvrable and simple to run.

Mid & High-HP Tractors

T6, T7, T8 & T9

T6, T7, T8 and T9 mid-range to high-horsepower tractors for cropping, seeding, tillage and broadacre contracting across Australian farms.

Hay & Forage

Balers, Mowers & FR

Roll Belt and BigBaler balers, disc mowers, rakes and FR forage harvesters for hay, silage and fodder contracting, financed around seasonal cuts.

Combine Harvesters

CR & CX

CR twin-rotor and CX combine harvesters for broadacre grain, with repayments structured around the harvest and seasonal cashflow.

Construction Equipment

Skid Steers, Backhoes & Loaders

New Holland Construction skid steers, compact track loaders, backhoe loaders and wheel loaders for civil, earthmoving and material handling.

Check If You Qualify

SPECIALIST vs BANK vs DEALER

Equifund vs Bank vs Dealer Finance

How New Holland 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 hire fleets, 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 New Holland 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 New Holland 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 business 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 New Holland Finance Approvals Across Australia

New Holland machinery finance settled across 80+ Australian lenders, from family farms to hire fleets. ACL 389328.

"Broadacre wheat and canola, and the old header was going to cost us days we don't have at harvest. Wanted a CR 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

"Civil contractor doing subdivision work. Needed a New Holland skid steer and a backhoe and the work pays on progress claims, not flat months. The bank wouldn't match the cycle. The lender structured repayments to the claims and we tendered for the next stage knowing the cashflow worked."

Civil contractor

Ipswich, QLD

"Mixed farm, cattle and a bit of cropping. The old T6 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

"Contract harvesting, we run header to header chasing the season north to south. Wanted to add a second CX to take on more country. Dealer finance only had the one structure. Equifund found a lender that read the contracts, and the second machine paid for itself in the first run."

Contract harvester

Esperance, WA

"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

Broadacre cropper

Moree, NSW

Civil contractor

Ipswich, QLD

Mixed farmer

Hamilton, VIC

Contract harvester

Esperance, WA

Dairy farmer

Cobden, VIC

"Hay and fodder contracting plus a bit of grazing. Picked up a clean used T7 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

"Cotton and irrigation country, and the planter window is tight. Needed a high-horsepower T8 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

"Landscaping and small civil, and a New Holland compact track loader does the bulk of the work. The bank wanted property security for one machine. The lender that took the job contracts didn't, and the loader's been earning since week one."

Landscaping & civil

Penrith, NSW

"Plant-hire yard with a mix of skid steers and loaders 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 two more machines for the busy season."

Plant hire fleet

Toowoomba, QLD

"Sheep and wool, and we run our own hay to cut the feed bill. Added a Roll Belt baler and a mower to the New Holland 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

Hay & fodder contractor

Naracoorte, SA

Cotton & irrigation farmer

Goondiwindi, QLD

Landscaping & civil

Penrith, NSW

Plant hire fleet

Toowoomba, QLD

Sheep & wool grazier

Hay, NSW

FAQ

Common New Holland Equipment Finance Questions

Straight answers to the questions New Holland buyers ask most.

Which New Holland machinery can I finance?

The full range, new or used: T4, T5, T6, T7, T8 and T9 tractors, CR and CX combine harvesters, Roll Belt and BigBaler balers, mowers and FR forage harvesters, plus New Holland Construction skid steers, compact track loaders, backhoe loaders and wheel loaders. Front-end loaders and implements can be financed in the same facility.

Can I finance a used or ex-hire New Holland?

Yes. Used, ex-hire, dealer, private-sale, clearing-sale and auction New Holland machinery is all financeable through specialist lenders on our panel. New Holland's resale and nationwide parts and service support 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 ag and construction machinery in one application?

Yes. A mixed order, say a T7 tractor and a skid steer, or a combine and a backhoe loader, can be structured in a single submission to specialist lenders, rather than separate dealer-finance contracts for each machine.

Do I need a deposit?

Not always. Many established operators finance New Holland 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 New Holland 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 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 combine has to be in the paddock for harvest.

Can I refinance or consolidate my existing New Holland 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 balers, loaders and attachments in the finance?

Usually, yes. Front-end loaders, balers, mowers, buckets, augers and other implements and attachments can be financed together with the New Holland tractor, combine or machine in one facility, so the whole working setup sits under a single repayment.