Finance options for tractors from compact 25HP to 500HP+ broadacre machines — including seasonal repayment plans.
| Class | HP Range | Typical Price |
|---|---|---|
| Compact utility | 25–60 HP | $25,000–$60,000 |
| Utility / row-crop | 60–150 HP | $60,000–$200,000 |
| Mid-range broadacre | 150–300 HP | $200,000–$500,000 |
| Large broadacre | 300–600+ HP | $500,000–$1.2M+ |
The most popular structure for Australian farmers. Own the tractor from day one, claim GST upfront, and access depreciation or the instant asset write-off. Ideal for primary producers who plan to keep the tractor for its full working life.
Suited to operations that upgrade every 4–5 years. Lower monthly payments due to the mandatory residual, and the option to return or upgrade at end of term.
Many agricultural finance providers offer seasonal repayment structures — higher payments during harvest/income months and lower (or zero) payments during off-season. This aligns cash flow with the farming calendar.
$200,000 tractor, 5-year term, 7% interest:
Standard: $3,960/month all year
Seasonal: $5,500/month during harvest (6 months) + $2,420/month off-season (6 months)
Yes. Most lenders will finance the tractor and implements as a package on a single loan. This simplifies administration and may improve terms compared to separate applications.
Subsidies vary by state and change frequently. Check with your state's agriculture department and the Regional Investment Corporation (RIC) for current programs. Your broker can also advise on concessional loan programs.
Many agricultural lenders offer hardship provisions including payment deferrals during drought, flood, or bushfire. Discuss disaster provisions with your broker before signing — it's better to know your options in advance.
Enter your tractor value and see monthly repayments across all three structures.
Open Calculator →