Tractor Finance
Tractor Finance options with Farmer Finance
Tractors are the backbone of every farming operation, but replacing or upgrading them can be costly. At Farmer Finance, we help UK farmers secure competitive finance for new and used tractors – with terms that work around your business.
Why Choose Our Tractor Finance:
- Finance for all major tractor brands
- New or second hand / used equipment
- Seasonal or fixed repayments
- Hire purchase or leasing options available
We will happily work with you whether you’re buying your tractor from a dealer or another farmer. Age restrictions do apply to the tractor being purchased, however these are quite generous and do vary from lender to lender.
How Tractor Finance Works
- Tell us what you need – new or second-hand tractor, brand preference, budget.
- We match you with a suitable finance option – lease or hire purchase.
- You choose your repayment structure – monthly or seasonal payments.
- We help you complete the application – and liaise with the seller or dealership.
- Funds released, tractor delivered – and you’re back in the field.
We help farmers finance a wide range of tractors including compact, utility, and high horsepower models – as long as they meet lender age and condition requirements.
UK Wide Tractor Finance Coverage
We proudly support farms across England, Wales, Scotland and Northern Ireland. Our finance specialists understand the seasonal nature of British agriculture and work to offer options that align with your region’s farming demands and grant cycles.
0% Tractor Finance
Often manufacturers will offer 0% finance on brand new tractors. Whilst this may seem like a great deal, as always, the devil is in the detail. Often the 0% will be for a relatively short timescale eg 2 years and require very aggressive repayments which many businesses struggle to make out of cashflow. Or the deal may revert to a high interest rate after the interest free period if the finance is still not fully repaid. It’s always worth checking out before entering into such an agreement as it may make more sense to have a facility that charges interest at a sensible rate but allows for a more relaxed payment schedule.
Tractor Finance FAQ
Can I finance a used tractor?
Yes, subject to a lender’s asset age policy and lending criteria
What are tractor finance repayment terms?
Typically 12 months to 10 years.
Can repayments be seasonal?
Yes, we can certainly explore this with you should you wish
0% Tractor Finance – is this good?
While it may appear good, It is always worth checking the conditions fully as often these agreements require very aggressive repayment periods that many farmers may struggle with out of available cashflow.
Apply now for affordable tractor finance – get your quote today