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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.
Farm utes are the workhorses of Australian agriculture — used for mustering, fencing, checking water and daily farm operations. Overdrive Funding arranges farm and agriculture equipment finance for all types of utes used in primary production, with ABN-holder rates that are often sharper than consumer vehicle finance.
Farm Ute Finance: What We Finance
- Toyota HiLux — the most popular farm ute in Australia
- Ford Ranger and Ranger XL/XLS dual-cab and single-cab
- Isuzu D-MAX and MU-X for farm use
- Mitsubishi Triton and Pajero Sport
- Mazda BT-50 and Nissan Navara
- Holden Colorado and Colorado Sport
- 4x4 and 4x2 farm utes — single cab, extra cab and dual cab
- Used and second-hand farm utes from dealers and private sellers
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 ute finance rates in Australia start from around 6.5% per annum for ABN holders with 2+ years trading and clean credit. Overdrive Funding compares 80+ lenders for the sharpest farm and agriculture equipment finance rate on your ute.
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.