Tractor finance from lenders who farm.
John Deere, Massey Ferguson, Fendt, Case IH, New Holland, Claas, Valtra. New, used, dealer-spec or part-exchange. With payment profiles built around harvest, lambing and BPS cycles.
Indicative rate may start at
7.9% APR
Deposit
0–10% typical
Term
36–84 months
Typical ticket
£45k mid-range → £280k high-spec
Specifics matter. Here's what's in scope.
Compact (under 100hp)
John Deere 5-Series, Massey 4700, Kubota M-Series. Smallholdings, equestrian, ground-care, market gardens.
Mid-range (100–200hp)
Massey 6S/7S, JD 6M/6R, Fendt 500/700, Case IH Maxxum/Puma, New Holland T6/T7. The UK's workhorse band.
High-power (200hp+)
Fendt 800/900/1000, JD 7R/8R, Case Magnum, Claas Axion, MF 8S. Arable and contracting workhorses.
Specialist
Narrow-track for orchard/vineyard, low-ground-pressure, articulated. Including Fendt Vario and stepless transmission specs.
Used tractor stock
Up to 8 years old at start of 5-year term. Dealer-warranted or auction-bought (with inspection report).
Implements
Ploughs, cultivators, drills, sprayers, balers, mowers, swathers. Often funded as part of a multi-asset agri agreement.
Three reasons tractors buyers finance.
Cash flow lives off-cycle
Tractor work is year-round, but farm income arrives in chunks (harvest, BPS, livestock sale). Finance smooths the spend across the cycle.
Tractors hold their value
A 5-year-old Fendt 724 still has £80k+ of metal. HP makes sense — you own a sellable, depreciating-but-valuable asset at end of term.
Free cash for inputs and rent
Inputs, rent, labour and fuel are the killer costs. Tying up £180k of working capital in a tractor while inputs spike is a poor trade.
From quote to tractors on the road.
Tell us the spec
Make, model, age and supplier details help us understand the proposed asset. We explain any credit-search process before an application proceeds.
Agri-specialist match
We assess whether provider routes may be relevant to the proposed asset and farm circumstances. Any available terms are confirmed in writing.
Pay-out
Documentation, supplier payment and delivery timing depend on the supplier, provider requirements and final agreement.
Hire Purchase usually wins for tractors.
Hire purchase may be considered where an ownership-transfer structure suits the proposed asset and farm plan. Capital-allowance treatment depends on current rules and circumstances.
Move from asset choice to a more informed funding discussion.
Monthly-cost calculator
Model indicative repayments and compare potential structures.
Run the numbersAgriculture & Farming case study
See a real case study from the sector in which this asset is used.
Read the case studyAgricultural equipment finance guide
Read a practical guide to financing farm machinery and seasonal equipment investment.
Read the guideTractor Finance — what people ask.
Can I time payments to my harvest?
Yes — we have agri-specialist lenders who'll structure annual payments timed to grain, root crop or livestock sale, or seasonal profiles where six months of the year carry lower rentals. Worth flagging at quote stage.
Will lenders fund a used tractor with high hours?
It depends on the brand and service history. Premium brands (Fendt, JD R-series, Case Magnum) with full main-dealer service history are funded at 8+ years and 8,000+ hours. Mass-market brands cap closer to 6 years/6,000 hours.
Can a tenant farmer apply?
Yes — we finance partnerships, sole traders, FBT tenants and limited-company farms. Tenancy agreement, BPS entitlements and stock value all factor into affordability.
Are BPS payments included as income?
Specialist agri lenders include direct payments and ELM/SFI income at full value. Generic lenders often discount or exclude them — which is why we go to specialists first.
Ready to fund your tractors?
Discuss the asset, your circumstances and suitable finance options with an experienced broker. Read our commission disclosure.
Asset finance hub
Explore the broader asset-finance hub for other equipment and finance structures.