Finance on your terms:

At John Deere Financial, we’re invested in supporting your business.
That’s why, when you take out a loan with us, we’ll provide you with the security of locking in a rate at the time of application for up to 12 months*.
We also provide the surety of a fixed rate for the duration of your loan.
What’s more, because we understand the ebbs and flows of your business, we’ll offer flexibility when it comes to structuring your repayments and a loan term that best suits your business cycle.
Talk to us today to discover how personalised finance can benefit your business.
*Terms and Conditions apply



Speak to your dealer for specific conditions and for eligible equipment.

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We offer finance for all John Deere equipment

Equipment Financing: Features of Loan Vs Lease:

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Leasing construction equipment or taking out a loan to purchase both have their advantages.
Which one is best for you depends on your goals as a contractor at any given time.


What is a Secured Commercial Loan?

A Secured Commercial Loan is a common way that a business can finance the purchase of assets. It is a commercial finance product where a financier lends a borrower money to buy an asset and the borrower makes regular repayments. Loan refers to the money borrowed by the commercial entity (known as the borrower).

The business takes ownership of the asset, but the financier has a ‘mortgage’ (also known as a security interest) over it until the loan is paid in full, including any balloon payment. Borrowers can choose to have a balloon payment at the end of the term in order to reduce regular repayment amounts or schedule the repayments to pay off the whole amount over the term. Interest accrues on the amounts owing during the term of the loan and repayments include both principal and interest.

A deposit is usually required, which will be paid to the seller as an initial down payment.

With a secured commercial loan, the borrower is financing the asset and takes the risk for the resale value at the end of the term.

GST applies to the purchase price of the asset, but not to the interest charged under the loan.


What is a Lease?

A lease is a contract where the lessor (lender) allows the lessee (commercial entity) to use an asset for a specific period in return for a periodic payment.

There are two common types of commercial leases: Finance Leases and Operating Leases.

A finance lease transfers the risk of ownership to the lessee without transferring legal ownership. The lessee can choose a residual value to suit (provided that it meets certain tax requirements), and at the end of the lease, the lessee can pay out that residual value or enter into a new agreement.

An operating lease on the other hand, is an asset funding option for businesses where the ownership of the asset reverts back to the lessor at the end of the term (i.e., the lessee is not required to pay out the residual value at end of the lease term).

In either case, no deposit is payable as the lessee is not taking ownership of the assets.

Collateral (security) is typically only the leased asset.

GST applies to the periodic lease repayments.

Finance Lease

With a finance lease, the lender buys the vehicle and rents to the lessee (customer) who will have a purchase option at the end of the lease (residual value). The lessee will not face high upfront costs as they do when purchasing the vehicle outright:

  • They will be responsible for all risks, just as if they owner the asset.
  • The lessor retains ownership, but the lessee has exclusive use in line with the terms of the agreement
  • Rental payments are made by the lessee during the lease period, with a residual value at the end
  • At the end of the lease, the lessee pays the residual payment and retains the asset

Operating Lease

Think of an Operating Lease as a type of rental agreement. The difference between an Operating Lease and a Finance Lease is that the lessee will not be able to buy the vehicle during the period of the lease.

The lessee has access to the vehicle for a set time period and is able to use the vehicle for the full term of the agreement, paying rentals periodically as agreed to in the Operating Lease Agreement. This product does not provide funds to complete an asset purchase; the rental amounts are based on the expected use of the vehicle throughout the term of the agreement. E.g., Number of usage hours per year

The lessee can pay the rental and vehicle maintenance in one easy periodical repayment.

How to apply online:

John Deere Financial is committed to being your trusted financial partner. Depending on your circumstance, you can apply for finance easily through our online application. Our process is easy. Follow these simple steps if you are a new or existing customer to get into your equipment faster.

Have you discussed your purchase with your local dealer?


  1. Ask your Dealer for a Finance Quote
  2. When your personalised finance offer meets your needs, you can accept the Quote
  3. Apply online to secure your offer
  4. John Deere Financial will conduct the necessary due diligence to progress your application
  5. Once approved, there is no need to fill in more paperwork, you can sign digitally
  6. Congratulations! Your finance can now be settled, and you can arrange delivery of equipment with your Dealer.


  1. To get started, you can Apply online. John Deere Financial will provide pre-approval or contact you if further information is required
  2. Visit your Dealer with your finance pre-approval to discuss your equipment needs
  3. Your Dealer will develop a personalised finance and equipment proposal for your review
  4. John Deere Financial will conduct the necessary due diligence to progress your application
  5. Once approved, there is no need to fill in more paperwork, you can sign digitally
  6. Congratulations! Your finance can now be settled, and you can arrange delivery of equipment with your Dealer.


To make the process even easier, please have the following ready when using the apply online feature.

1. Personal identification details such as Drivers Licence, Medicare Card and/or your Passport.

2. Information about your income, expenses, assets and liabilities, including any real estate property details and related mortgages.

3. Borrowing entity details including ABN/ACN of the Company and/or Trust.

If you are not a business, click here to find out more about our partnership with HSBC

Want to know more, speak to us today 1800 857 057



John Deere Crossover Gator Utility Vehicle

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Specialised Knowledge

We are a local company, backed by a global network with generations of experience and specialised industry knowledge.

For many generations we have been manufacturers of the equipment you choose to successfully drive your business.

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Rate Cap

When you request Rate Cap on your financial quote, your rate at settlement will be the lesser of either the Rate Cap percentage or the current John Deere Financial rate.

This security is provided at no cost if your application is signed and submitted within 30 days of your equipment order.

To find out more, click here

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Fixed Rates

Throughout the life of your loan, your interest rate will not change.

You can plan and prioritise your business secure in the knowledge your repayments will not be affected by rising rates.

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Personalised Finance

Personalised finance means just that,  finance tailored to your individual needs. With varying options that consider your industry seasonality, cash flow, terms and business goals, we are focused on providing flexible solutions that meet your needs.

We will work with you to make it work FOR you.