Farm finance in Australia
Who lends to farmers, what a machine really costs per month, quarter or year, and the public reference rates. General information only: we list lenders, we don't recommend them.
Loan & lease repayment calculator
Works for a chattel mortgage, equipment loan or finance lease. Use an annual payment if your income comes in at harvest.
Estimate only. Excludes fees, GST and tax effects. The rate you're offered depends on the lender and your circumstances. Not a quote or an offer of credit.
Reference rates
Public benchmark rates, refreshed every time the site is built. These aren't loan offers. Lenders price farm loans above these.
RBA data used under the RBA's copyright notice; the RBA doesn't endorse AgIndex or any product.
Lenders & lessors that work with farmers
Listed alphabetically within each type. Inclusion isn't a recommendation and no lender pays to be on this list.
ANZ Agribusiness
Agribusiness banking and farm finance from one of the four major banks.
BOQ Agribusiness
Farm land and equipment loans, short-term finance and Farm Management Deposits.
Bank of Melbourne Agribusiness
Agribusiness banking from the Westpac Group's Victorian brand.
BankSA Agribusiness
Agribusiness banking for farmers from the Westpac Group's South Australian brand.
Bendigo Bank Agribusiness
Agribusiness lending, equipment finance and Farm Management Deposits.
CommBank Agribusiness
Regional and agribusiness bankers, farm finance and an Agri Green Loan for eligible on-farm environmental projects.
Judo Bank Agribusiness
SME bank with agribusiness bankers; business loans, lines of credit and equipment loans from $250,000.
NAB Agribusiness
Agribusiness loans, livestock finance, equipment finance and specialist agribusiness bankers.
Rabobank Australia
Specialist food and agribusiness bank with rural managers, farm lending and farm business deposits.
Regional Australia Bank
Customer-owned regional bank based in Armidale offering business and farm lending.
St.George Agribusiness
Agribusiness banking from the Westpac Group's St.George brand.
NSW Rural Assistance Authority
NSW Government authority administering farm concessional loans, grants and disaster support.
QRIDA
Queensland Rural and Industry Development Authority: state concessional loans and grants for primary producers.
Regional Investment Corporation (RIC)
Australian Government concessional farm business loans, including Farm Investment and drought loans; variable rate reviewed every 6 months.
Rural Finance
Administers Victorian Government concessional loans for primary producers (operated within Bendigo and Adelaide Bank).
AGCO Finance
Chattel mortgages, finance leases and operating leases for Massey Ferguson, Fendt and other AGCO equipment.
CNH Capital
Finance, leases and seasonal repayment structures for Case IH and New Holland equipment.
John Deere Financial
Finance and leasing for John Deere machinery, arranged through Deere dealers.
Kubota Finance
Finance offers on Kubota tractors and equipment through Kubota dealers.
BOQ Finance
Equipment, dealer and structured finance from the BOQ Group.
StockCo (Heartland Bank)
Livestock finance for cattle and sheep purchases, repaid from livestock sales; part of Heartland Bank Australia.
Aglend
Finance broker focused on farm equipment and agribusiness lending.
CarFund
Vehicle and equipment finance broker with a farm equipment finance service.
Sierra Finance
Finance broker arranging agricultural machinery finance.
X Lend
Finance broker arranging agricultural equipment finance.
Important: general information only
This page is general information, not financial, credit, tax or legal advice, and it doesn't take your objectives, finances or needs into account. AgIndex isn't a lender or broker, doesn't hold an Australian credit licence and doesn't arrange or recommend credit. We don't receive commissions or referral fees from lenders listed here; any paid sponsorship is labelled "Sponsored". Check rates, fees, terms and eligibility with the provider, and consider getting independent advice from your accountant or a licensed adviser. Rates and links checked 16 October 2026.