Farm Equipment Loans
Get a pre-approved farm equipment loan and maximise your bargaining power as a cash buyer. We’re responsible lenders and are committed to providing affordable farm equipment loans with interest rates between 9.95% and 26.98%. Funding is dependent on circumstances, credit history and the level of security available.
Get a pre-approved farm equipment loan and maximise your bargaining power as a cash buyer.
4.7 rating with 1,725 Google reviews
Quick Approval
Crester Credit offers quick loan approvals, and access to funds in 24 hours.
Flexible Repayment Terms
Flexible repayment terms offer the convenience of weekly, fortnightly, or monthly payment options over 48 months.
No Hidden Fees
We are committed to transparency and honesty and have no hidden fees or charges. All fees are clearly outlined in the loan agreement, so borrowers know exactly what they are getting into.
Super fast –
Money in your
account
just 24 hours
Farm Equipment Finance Calculator
Calculate your borrowing capacity and repayment terms. Typically, you’ll make a deposit on the asset as collateral and spread the rest of the payments over a 4-year period.
Choose your term
Repayment Details
1 YEAR
Your Weekly Repayment
$22.60 PER WEEK* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
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Your data is secure
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Our customer rating
4.6/5
Rates
With Crester, you can repay your loan over a term of up to 36 months, with flexible weekly or monthly repayments to suit your budget. Our interest rates range from 9.95% to 26.98% p.a., depending on factors like your credit profile, loan purpose, and selected term. For a full breakdown including early repayment options, default interest, and establishment fees, please refer to our Rates and Fees page.
Terms
Before applying with Crester, please take a moment to review our terms and conditions. When you apply, you’re agreeing to let us collect and securely store your personal details. We aim to ensure all information on our site is current and accurate. If anything seems off, get in touch in writing and we’ll work to correct it. Crester follows New Zealand’s Responsible Lending Code.
Fees
Your personal data is protected with end-to-end encryption on all Crester web forms, ensuring your details remain secure throughout the loan process. We manage all client information with strict confidentiality, using robust security measures to guard against unauthorised access. Crester also complies fully with New Zealand’s privacy laws. For more information, see our Privacy Policy.
Refinance Your Tractor Loan
Refinance your farm equipment loans
Farmers can take advantage and refinance tractor loans, allowing them to improve their financial situation and potentially save money. With loan amounts up to $100,000, and flexible repayment plans over 4 years, you may consider to refinance your tractor and use the extra funds to pay off debts, invest in other farm equipment, or cover operational expenses.
Apply today and get approved in minutes.
Agricultural Machinery Finance
Farmers need the right equipment to stay competitive, increase efficiency, and meet the demands of a changing market. Our tailored farm equipment loans are to help you purchase or lease new or used agricultural equipment that you need to operate effectively.
Agricultural machinery finance can help you purchase farming assets, such as:
- Tractors
- Planters
- Mowers
- Toppers
- Bailers
- Soil cultivators and more.
Get access to funds for growth or cash flow support in minutes and without all the fuss.
How Farm Equipment Loans Work
Farm equipment loans work by using the asset as security against the loan until the repayments are made in full.
Crester Credit offers flexible repayment options, and competitive interest rates between 9.95% to 26.98% interest rates. Use the loan calculator to estimate repayment terms and ensure affordability.
Considerations Before Purchasing Farming Assets in New Zealand
Before making your investment, here are 4 vital factors to consider when purchasing farming assets in New Zealand.
For vehicles intended for farm use that also require road access, such as transporting machinery between farms, the type of license required, will depend on the vehicle’s weight and the speed at which it is operated. Learn more about agricultural classifications at the New Zealand Transport Authority website.
Seek Expert Advice: Engage with professionals such as agricultural consultants, lawyers, or accountants who can provide expert advice during the buying process. Organisations like the New Zealand Institute of Primary Industry Management offer directories to find qualified professionals in the farming sector.
The Ministry for the Environment enacts policies and regulations that affect farmers and horticulture growers. These measures target environmental issues and promote sustainable practices in the agricultural and horticultural sectors. It’s essential for Kiwi farmers and growers to become familiar with these provisions to ensure compliance and play their part in preserving New Zealand’s precious natural resources. Learn more on the Ministry for the Environment website.
Consider your financial situation when looking at agricultural machinery finance. With flexible repayment terms over five years, applying with Crester is easy, quick and you can have access to the funds in 24 hours. Apply today.
Frequently Asked Questions
What are farm machinery loans?
Farm machinery loan provides financial means to grow or support agricultural business.
What do I need to apply?
What do I need to apply?
How long does it take to get farm machinery finance approved?
The approval process for a car repair loan typically takes a few business days, and in some cases, you can get approved on the same day.
APPLY NOW – NEXT DAY APPROVAL*
* Approvals occur on the next business day after your application. Our online application form takes only six-eight minutes to complete, subject to approval in accordance with the responsible lending code of New Zealand. Start by filling this in, and if you’d like to talk with one of our loan officers, please make a note of it in the application – we’ll contact you as soon as possible.
NZ Finance Customer Reviews
Rated 4.7 out of 5 stars based on 1926 customer reviews.
Trailer Finance Questions? Ask our lending team
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At Crester Credit we understand that time is often of the essence when it comes to purchasing a trailer. That’s why we make it a priority to respond to your inquiry almost immediately. In the spirit of transparency, we have published our charges, interest rates, and terms and conditions on our website. Additionally, we encourage you to visit our commonly asked questions page to address any other concerns you may have. We take pride in the opportunity to help you with your trailer loan.
FAQ