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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.
Finding the lowest farm finance rate requires comparing multiple specialist agriculture lenders — not just your bank. Overdrive Funding compares 80+ lenders simultaneously to identify the lowest available farm and agriculture equipment finance rate for your specific asset, ABN history and credit profile.
How to Get the Lowest Farm Finance Rate
- Compare specialist agriculture lenders — they often beat bank rates on farm equipment
- Finance new equipment — new assets attract lower rates than used
- Use a deposit — 10–20% deposit reduces lender risk and can lower your rate
- Maintain clean credit — a strong credit profile accesses the lowest rate tiers
- Finance through a broker — Overdrive Funding negotiates with 80+ lenders simultaneously
- Use a chattel mortgage — the most tax-efficient structure for ABN holders
- Avoid dealer finance — dealer finance is often marked up; broker rates are typically lower
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
The lowest farm and agriculture equipment finance rates in Australia currently start from around 6.1% per annum for established farming businesses financing new equipment with clean credit and 2+ years ABN. Overdrive Funding negotiates with 80+ lenders simultaneously to secure the lowest available 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.