Compare 80+ lenders — free, no credit check
Get a rate comparison for your specific asset and profile with no obligation.
Key Takeaways
- Overdrive Funding arranges farm and agriculture equipment finance for all asset types — new, used, demo and auction.
- We compare 80+ lenders in one free application to find the most competitive rate.
- Low doc finance available up to $500,000 — no tax returns or BAS required for eligible ABN holders.
- Finance available for established farmers, new ABNs and adverse credit.
- Our service is free — we're paid a "referral fee" by the lender after settlement.
Yes, used farm equipment is fully financeable through Overdrive Funding's panel of 80+ lenders. Farm and agriculture equipment finance for used assets covers tractors, headers, seeders, sprayers, balers, tillage equipment and all other machinery used in primary production.
What Used Farm Equipment Can I Finance?
- Used tractors — all makes and models, all ages subject to lender assessment
- Used grain headers and combine harvesters
- Used air seeders and disc seeders
- Used boom sprayers and self-propelled sprayers
- Used balers, rakes and hay equipment
- Used tillage equipment — ploughs, cultivators, disc harrows
- Used farm vehicles — utes, trucks, trailers and livestock carriers
- Used telehandlers and front-end loaders
- Second-hand grain handling equipment — augers, silos and conveyors
- Private sale, dealer sale and clearing sale / auction purchases
Farm and Agriculture Equipment Finance Structures
- Chattel mortgage — own the asset from day one, interest and depreciation tax-deductible for GST-registered businesses
- Finance lease — keep equipment off your balance sheet; lender retains ownership until residual is paid
- Seasonal repayment structure — lower payments during growing season, higher at harvest, available from specialist agriculture lenders
- Balloon/residual — reduce monthly repayments with a lump sum at end of term
- Commercial hire purchase — fixed repayments with ownership transferring at end of term
Finance Rates
Used farm equipment finance rates are typically 1–2% higher than rates for new equipment, reflecting the higher lender risk on older assets. However, the lower purchase price of used farm equipment often results in lower total repayments even with a slightly higher rate. Overdrive Funding compares 80+ lenders to find the best farm and agriculture equipment finance deal for your used equipment.
How to Apply
Fill in the form above or call Simon to get started. We compare 80+ lenders for your farm and agriculture equipment finance in one application — no multiple credit enquiries, no cost to you. Most applications receive a decision within 24 to 48 hours.