Ready to Finance Your Next Tractor?
Complete the details below to fast track your tractor finance application. Compare 80+ lenders in one application.
FINANCE CALCULATOR
Get a quick estimate so you know exactly what to expect before speaking with a specialist.
Loan Calculator
Estimate your repayments before speaking with an Equifund specialist.
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Enter the approximate amount you’d like to finance.
3%
18%
12 months
84 months
0%
60%
Percentage of the loan left owing as a final lump-sum (balloon / residual).
Estimated repayments
Monthly repayment
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Approx. weekly
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Loan amount
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Interest rate
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Term
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Balloon / residual
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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.
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
Submitting this form does not lock you into finance.
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$50M+ in equipment financed
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3x faster decisions than major banks
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Dedicated support to find the best solutions
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ASIC licensed & regulated
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Trucks
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Semi-Trailers & Trailers
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Refrigerated trucks
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Farm Equipment & Loaders
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Cranes & Site Machinery
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Trailer Trucks
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Tractors & Harvesters
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Yellow Goods
Skid Steers & Access Equipment
Seasonal and structured repayments
Pay more after harvest when cash flow is strong, less during planting and growing seasons. We structure repayments around your farming calendar, not a fixed monthly schedule.
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All tractor brands and ages financed
John Deere, Case IH, New Holland, Kubota, Massey Ferguson, Fendt, Valtra, Claas and more. New or used, from compact utility tractors through to large articulated 4WDs.
Fast approval for time sensitive purchases
Good deals on tractors do not last, especially at clearing sales and end of financial year. We move fast with same day pre-approvals so you can act when the right machine comes up.
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Finance for owner operators and contractors
Whether you own the farm or contract across multiple properties, we have lender options for your situation. Self employed, seasonal income, and variable earnings are all understood.
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Articulated 4WD tractors 300HP to 600HP+
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Row crop tractors with front linkage
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GPS and autosteer equipped models
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Tracked tractors for controlled traffic farming
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PTO driven implement carriers
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Air seeder and planter tractors
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Utility tractors 80HP to 200HP
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Front end loader equipped models
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Feed mixing and distribution tractors
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Hay and silage operation tractors
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Yard and shed tractors
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Fencing and post driving setups
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Compact tractors 20HP to 80HP
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Narrow width vineyard and orchard models
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ROPS and cab configurations
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Mowing and slashing tractors
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Horticultural and nursery tractors
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Turf care and grounds maintenance
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Agricultural contracting fleet tractors
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Slashing and roadside maintenance
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Council and shire tractors
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Construction site tractors
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Land clearing and stick raking
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Tractor and implement packages
HOW THE PROCESS WORKS
How Tractor Finance Works
A straightforward process designed to get you from enquiry to behind the wheel as quickly as possible.
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Complete the Form
In 60 Seconds
Provide us with some basic information about your business and financing requirements via our secure website.
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Speak With an
Industry Specialist
Your brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.
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Get Pre-Approved
Over the Phone
Receive a clear pre-approval with transparent terms and repayment options that suit your cash flow.
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Financing
Secured
Your finance broker will work with you to source the best funding offers available and guide your application to success.
Barinder Singh
Transport Operator
Non-property owner
No deposit
24hr turnaround
2025 Tipper Trailer
Transport
$150,000
Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
2005 CAT Farm Equipment
Contractor
$60,000
Neil was purchasing a used farm equipment to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in
Bradley Moore
Owner-Driver
Private sale
Low Doc
24hr approval
2019 Scania Truck
Contractor
$100,000
Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.
Barinder Singh
Transport Operator
Non-property owner
No deposit
24hr turnaround
2025 Tipper Trailer
Transport
$150,000
Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
2005 CAT Farm Equipment
Contractor
$60,000
Neil was purchasing a used farm equipment to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in
Bradley Moore
Owner-Driver
Private sale
Low Doc
24hr approval
2019 Scania Truck
Contractor
$100,000
Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.
Not Every Business Fits a Bank Template
Major banks often apply rigid policies that do not reflect how transport, construction or agricultural businesses actually operate.
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Asset value & condition
We consider the value, age, and condition of your asset, not just your credit history.
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Business use
Finance solutions tailored to how your equipment supports daily business operations.
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Deposit position
Low-deposit and zero-deposit options available for eligible applicants.
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Repayment capacity
Repayment plans structured around your cash flow and business revenue.
Check Your Eligibility
30-second check. No impact on your credit score.
Quick quotes, fast approvals
Can I finance a used tractor?
Yes. We finance used tractors of all ages from all major brands.
Are seasonal repayments available?
Yes. Pay more after harvest, less during planting season. Matched to your farming calendar.
How much deposit do I need?
Many lenders offer zero deposit tractor finance for qualifying applicants.
Can I bundle tractor and implements?
Yes. Tractor, implements, GPS, and attachments can be packaged into one loan.
What brands do you finance?
All major brands: John Deere, Case IH, New Holland, Kubota, Massey Ferguson, Fendt, and more.
How fast is approval?
Pre-approval often within hours. Full settlement in 2 to 3 business days.
Still Have a Question?
If you can’t find the answer you’re looking for, give us a call and our team will be happy to help straight away.
1300 464 805