Financing FAQ

A Field

Find answers to frequently asked questions about John Deere Financial hours of operation, contacts and general customer account information for commercial loans and leasing.


What are your hours of operation?

Weekdays from 8:00 a.m. to 4:30 p.m. Australian Eastern Standard Time.

Can I organise my financing directly through John Deere Financial head office?

Yes, you can apply directly with John Deere Financial through or:

For commercial purposes, similar to our equipment sales, financing can be arranged through our local John Deere dealerships. Visit the Dealer Locator to find their details.

For Consumer purchases please contact 1800 857 057

Whom should I contact for a service problem with my equipment?

We recommend that you contact the dealer who sold you the equipment. Visit the Dealer Locator to find their details.

Finance Contract/Statements

How do I obtain a copy of my contract?

Please contact John Deere Financial customer service, either by phone, fax, email or mail.

How do I obtain a statement of my account?

You may request a statement of your account at any time by contacting us by phone, fax, email or mail.

Can I arrange for statements to be forwarded on a regular basis?

John Deere Financial does not automatically provide statements on a regular basis but they are available on request.

Repayments/Early Payout

May I change the due date of my loan?

If this change relates to a different date in the existing month that the payments are due, this can be catered for. As the interest is calculated on a daily balance outstanding, and charged to the loan each month, any change will impact the amount of interest charged over the full term of the loan. Our Customer Service staff are able to provide information to you in relation to the impact of such a change on your repayments, to formalise any change, we will require a change request in writing. The request may be by fax, email or mail.

Are there any charges associated with a change to the payment due date?

There is no fee charged for this type of variation, but as mentioned above, the variation may result in additional interest charges over the term of the loan.

Can I make additional payments to my loan?

Yes, additional payments may be made at any time. Unless otherwise formally requested, the scheduled payments would continue to draw under the direct debit authority.

How do I make additional payments?

Additional payments may be made by direct credit to our bank account or by cheque. With each of these methods it will be necessary for you to identify your payment by recording your contract reference number. Please contact us by phone, fax, email or mail and we will provide you with the necessary details.

Is there a benefit in making additional payments?

As the interest on your loan is calculated on a daily balance outstanding, additional payments may result in interest savings over the term of the loan.

Is there a penalty for early repayment?

There are no penalties or early termination fees charged for early repayment.

I wish to arrange early repayment of my account. Who do I contact for this?

A payout figure may be obtained at any time by contacting us by phone, fax, email or mail.

My payments are due on a seasonal basis. Will I receive a reminder prior to the payment falling due?

A letter will be forwarded to you 25 days prior to the expiry of your loan. This letter will detail the final amount due and the expiry date.

Will I receive a notification when the final loan payment is falling due?

A letter will be forwarded to you 30 days prior to the expiry of your loan. This letter will detail the final amount due and the expiry date.

Can I make payments with a credit card?

No. We are unable to accept credit to repay a credit facility.

Change of Details

How do I get a borrower's name removed from the contracts?

Upon receiving signed written notification from all parties to do so we will assess the request and advise accordingly. Please contact us by phone, fax, email or mail to discuss.


Is leasing available?

Yes, we offer a number of lease products that can be tailored to suit your requirements. Talk to your local John Deere dealer to discuss leasing products.

What options will I have at the end of the lease term?

The lease agreement will include a residual payment which is due at the end of the term. Approximately 60 days prior to the expiry date of the lease, a letter will be issued confirming the date finalisation is due. You will be provided with 3 options at that time. These options are:

  • To finalise the lease by paying the residual value plus GST, plus any applicable fees and overdue interest which may have accrued over the term of the lease, by the due date;
  • To refinance the residual value with John Deere Financial, subject to normal credit criteria;
  • To surrender the equipment to John Deere Financial and we will dispose of the equipment on your behalf. In the event that the sale proceeds of the equipment do not satisfy the amount owing, you will remain liable for any shortfall.

I wish to pay out the residual value at the end of the lease. When will I be issued with my tax invoice?

The tax invoice will be issued 7 days after receipt of the payment.

As I am leasing the equipment, who is responsible for insuring the equipment?

The terms of your lease agreement confirm that it will be necessary for you to maintain comprehensive insurance over the equipment for the duration of the lease.

Is there a benefit in making a payment on my lease in advance?

Decisions such as this should be discussed with your accountant as the benefits may vary according to your personal situation.


Are your interest rates variable or fixed?

We currently offer some very competitive fixed rate finance products.

Can I provide authority for a third party to have access to my account details?

In terms of the Privacy Act, information can only be released to a third party if a written authority is held. Therefore to enable your accountant, or any other third party to access your account information, you will need to provide a letter to John Deere Financial, fully detailing who information may be divulged to and signed by yourself. If the third party is a personal contact (i.e. not an accountant or solicitor etc.) sufficient information should be provided on the letter to enable identification of the party. Such identifiers could include date of birth and address or a code word which is unique to the third party.

Is it a requirement that the equipment be insured?

It is a condition of the loan that comprehensive insurance be maintained over the equipment for the term of the loan.

How do I decide which finance product is suitable for me?

You should consider the terms and conditions and seek independent professional advice.

What should I do if my equipment is damaged or destroyed and is subject to an insurance claim?

John Deere Financial will need to be informed by phone or email at the earliest possible time following the incident. It will of course be necessary for you to contact the insurer to record the claim as well. In these instances it is helpful if you have the following information available when contacting us:

  • The full details of the equipment including the serial number or an identifier;
  • Your contract reference number;
  • The name of your insurer and the policy number;

If possible, a contact name for the insurance assessor or the person handling your claim so an authority may be obtained from you to discuss the matter directly with the insurer if necessary.