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.
Comparing farm finance rates across multiple lenders is the most reliable way to ensure you're getting the best deal on your farm and agriculture equipment finance. Overdrive Funding compares 80+ lenders simultaneously — for free, with no impact on your credit score.
How Farm Finance Rate Comparison Works
- Tell us your asset type, loan amount and ABN history
- We assess 80+ lenders simultaneously — no multiple credit enquiries
- We identify the lowest available rate for your specific farm profile
- We present your options — rate, term, structure and estimated repayment
- You choose — we submit one application to your preferred lender
- Settlement typically occurs within 2–5 business days
- No cost to you — we're paid by the lender after settlement
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
Farm and agriculture equipment finance rates in Australia start from around 6.1% per annum for established farming businesses with clean credit. Seasonal repayment structures are available from specialist agriculture lenders, aligning repayments with farm cash flow cycles. Overdrive Funding compares 80+ lenders to find the most competitive rate for your farm.
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.