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 13.95% 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.


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.

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Fast Finance –

Money in your account

just 24 hours

Farm Equipment Finance Calculator

Calculator 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.

I want to borrow:
I can afford to repay (per week):

$30 per week

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins
Apply now
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* This is an approximate loan duration based on assumed adequate security, collateral, job security, income, residence situation and positive references.

Refinance Your Tractor Loan

Whether you’re purchasing new or second-hand machinery, Farm Equipment Loans are available up to $100,000. Our flexible loan options cater to both new and used equipment, so you can purchase the right machinery for your farming needs.

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.

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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.

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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 13.95% 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

NZ Finance 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.

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