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Farm Machinery and Agriculture Equipment Loans

17 Sep Today's
best rate
Finance Equipment From
2.79 %
Fixed
*The Interest Rate is calculated on a Secured Loan for business use, effective 19/10/2021 and subject to change. WARNING: The interest rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

Compare and Calculate Loans across the Jade Finance Portfolio

Jade provides a number of loan options for financing farm machinery and equipment. Comparing the different interest rates and possible repayments for each of our finance products is easy with this comparison calculator. Simply enter the amount of your loan and your preferred loan term to calculate repayment estimates for different loan products.

Loan Amount
Loan Term
New Equipment Loan
2.79% Starts At
$569.75
Monthly repayment
Used Older Secured Equipment Loan
4.50% Starts At
$612.5
Monthly repayment
Business Loans - Unsecured
7.99% Starts At
$699.75
Monthly repayment
Business Loans - Secured
2.95% Starts At
$573.75
Monthly repayment
Overdraft - Non Bank
9.95% Starts At
$748.75
Monthly repayment
Chattel Mortgage
2.79% Starts At
$569.75
Monthly repayment
Operating Leases
4.60% Starts At
$615
Monthly repayment
Commercial Hire Purchase
2.79% Starts At
$569.75
Monthly repayment
Rent To Own
9.95% Starts At
$748.75
Monthly repayment
Loan Product Interest Rate
Starts at:
Monthly Repayment
New Equipment Loan 2.79%
$569.75
Used Older Secured Equipment Loan 4.50%
$612.5
Business Loans - Unsecured 7.99%
$699.75
Business Loans - Secured 2.95%
$573.75
Overdraft - Non Bank 9.95%
$748.75
Chattel Mortgage 2.79%
$569.75
Operating Leases 4.60%
$615
Commercial Hire Purchase 2.79%
$569.75
Rent To Own 9.95%
$748.75
Get a free quote

DISCLAIMER: The interest rate displayed against each loan product may not include all the fees and charges which apply to farm machinery and equipment finance for that product or to aspects of your individual loan application. This comparison calculator is intended purely to compare loan products. It is not an application form. The results calculated do not indicate a loan offer or approval of finance application. Any finance offer that you are made through Jade  may vary from both the interest rate and repayment displayed. All interest rates are for predominately (more than 50 percent) commercial or busines use.

At Jade we fully understand the challenges facing the farming and wider agricultural industry. Drought, flood, bushfires and global trade impacts on markets being just some of the major issues face by our farming community. In addition the cyclical nature of the industry and fluctuating prices also mean unpredictable income.

Jade Equipment Finance provides some level of certainty by providing finance and loans for the purchase of farm machinery and equipment with fixed elements.

Fixed Loan Elements

All the commercial loan products we offer for the purchase of agricultural equipment and farming machinery – Chattel Mortgage, Equipment Lease, CHP, Equipment Rental – include fixed elements.

The Jade signature low interest rate is fixed for the term of the loan. So when you accept our offer, you know that rate will not change over the 2 -7 years of the loan.

The monthly repayment amount is also fixed for the full term of the loan. Your Jade consultant will work with you to structure your loan with a workable monthly repayment figure. That figure is then fixed so you can plan your cash flow accordingly.

If the loan includes a residual or balloon to be paid when at the conclusion of the loan term, then that amount is also fixed at the time the loan is finalised.

As an experienced broker, we have greater flexibility than banks to structure farming equipment loans to the terms that meet your individual requirements.

Multiple Item Finance Packages

If you need to replace some equipment or you are diversifying your operations and need to invest in new equipment, we have a solution. Speak with your Jade consultant about packaging all the equipment and machinery finance. This will mean only one repayment each month which may ease your cash flow and provide greater certainty moving forward.

Refinancing Option

As farm machinery is built to last, you may have loans on existing equipment which are not as attractive as the finance deal that we can offer you. We offer a refinancing option so you can consider take advantage of our better interest rates and/or roll a refinancing option into the same finance deal as the purchase of new equipment.

Speak with a Jade Consultant to discuss a financing solution for your farming machinery. Call 1300 000 003

Farm MachineryFinance Calculator

The use of this free online calculator is established on the person's knowledge and consent that the outcome/estimate showed does not indicate a finance quote; it does not imply an application for any kind of loan has been lodged; it is not an indication that any type of funding application has actually been approved. The format of this tool does not allow for certain information relating to any specific personal finance application or any lending institution fees and also costs. It is formatted to generate a basic result based upon basic details as well as amounts solely.
After lodging a formal loans application, the quote as well as repayment amounts that you may be offered might vary from the estimate accounted by this online calculator.
The gadget is not ideal for computations on finances that are established on a passion only basis. The format is purely established to compound the calculated interest rate for a set period based upon the values typed in by the user.
The calculator is not intended as a device for finance decision-making. Individuals that require financial advice should look for a professional monetary expert in regard to their circumstances. To make an application for a loan as well as acquire a quote based upon your personal requirements, the individual needs to call Jade and also have their specific application considered by among our Jade professionals.

Finance Calculator Disclaimer

Farm and Agricultural Machinery Loans FAQs

Keeping a lid on expenses is especially important in the agricultural sector. With seasonal prices, weather events and the export markets to contend with, finance is at least one aspect of your operation that you can control. That can mean checking all the details when sourcing finance and ensuring you have all the information you require to make a confident decision. We’ve addressed a selection of queries in this section and invite you to contact us directly with any others you may have.

Can I get finance on second hand farm machinery?   

In general terms, loans are available for both new and used machinery across equipment finance categories. Farm equipment is built to last many years and second hand machines can offer many years of work to come and great value. The same loan products are available for both new and used – CHP, Leasing, Rent-to-Own and Chattel Mortgage.  Individual lenders will always have their guidelines around every loan application but perhaps more particularly in regard to used equipment. A lender may apply their own conditions to individual loan applications.

How can I easily compare interest rates on different loans?   

A selection of self-serve finance resources is provided on many lender websites so you can compare rates and calculate repayment estimates quickly and easily. A Loan Comparison Calculator lists the popular finance products and shows current interest rates for each loan type. You can calculate yourself, how those interest rates convert to repayment estimates. You enter your particular loan amount and your loan term and you’ll see how the repayments instantly change to reflect the data you have entered. The other resource is an Equipment Finance Calculator. This doesn’t show the different interest rates on each loan but it allows you to calculate repayment estimates and plan how you might like your loan structured. There is a field for balloon/residual and you can vary interest rates. So by changing the data you enter you can see how your loan could be structured.

What are the up-front costs?   

Both consumer loans and commercial finance deals include fees and charges. These are charges by banks and lenders that cover their costs of establishing your loan. Some lenders may charge a monthly account management fee. When setting up your finance, you will receive details of all the fees and charges which pertain to your particular loan. Charges vary from lender to lender. Some fees and charges such as a lender’s ongoing monthly fee would be incorporated into the overall loan and included in the monthly repayments. Loan establishment and any broker fees can either be paid separately or in some cases included in the overall loan and the repayments. If you prefer they be included in the loan, they will attract interest. If paid separately upfront, no interest would be charged.

I’m on a remote property can I still get finance easily?   

Definitely. While many major banks request that you attend at a branch for an in-person meeting about your finance and/or to sign loan documents, brokers usually operate differently. Choose a lender or broker that embraces contemporary digital business practices and processes incorporated into the standard loan application process. These allow for all finance arrangements to be handled with a combination of phone calls and emails. So you do not have to visit an office in regard to your finance application. To apply for finance or request a quote, simply do so by phone or use an online application form. Select a broker or lender that operates nationwide so they can offer you the same high level of lending services that are offered to customers in every part of Australia.

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