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Agriculture Financing

We're dedicated to your needs

At John Deere Financial we're dedicated to helping you invest in the productivity and future growth of your farm. No matter what size or type of ag operation you have, you can count on John Deere Financial, season after season, in good times and otherwise.

 

We provide you with easy to understand and affordable equipment financing solutions that can be adapted to your circumstances. But we do more than simply provide financing, we build long-term relationships through trust.

 

For more information, select one of the options below.

Commercial Loan

Purpose:
Allows you to finance the purchase of equipment to be used predominantly for business purposes.

 

Suitable for:
  • Individual, Company and Incorporated Bodies purchasing equipment for business/agricultural purposes;
  • Creating equity within your equipment;
  • Contributing a deposit to the sale.

 

How it works:
The title of the equipment passes to you at settlement. John Deere Financial takes a chattel mortgage over the equipment for the life of the loan.

 

Repayment schedule:
John Deere Financial understands that everyone is different in regards to income stream and  seasonal needs. Therefore each loan can be structured to have repayments suit your cash flow.

 

Repayments:
Generally all scheduled repayments have a principal and interest component. This means that you are reducing the principal borrowing amount leading to the growth of equity in your equipment.

 

Loan term:
Up to 5 years. Longer terms can be considered for large transaction amounts.

General advice:
We have not considered if this product is right for you. You should consider the terms and conditions before applying and seek independent professional advice.

Finance Lease (Au only)

Purpose:
This finance product allows you to lease, rather than buy, equipment used predominantly  for business purposes.

Suitable for:
Individual, Company and Incorporated Bodies leasing equipment for business/agricultural purposes.

How it works:

  • John Deere Financial purchases the equipment and then leases (rents) it to you for an agreed term in return for agreed rental payments.
  • Leases must have a residual value built into their structure. The residual value (the expected resale value of the goods at the end of the term) is determined in accordance with ATO guidelines.
  • The establishment fee is paid upfront.

Repayment schedule:
  • Rentals are payable in advance on finance leases. The first rental, together with any fees payable (which cannot be financed under a lease) are due on the day of settlement.
  • Repayments can be structured to suit your cash flow.

Lease term:
A typical lease can be structured from 1 to 5 years.

General advice:
We have not considered if this product is right for you. You should consider the terms and conditions before applying and seek independent professional advice.

Operating Lease

This finance product is available.  For more information please contact your local John Deere dealer.

General advice:
We have not considered if this product is right for you. You should consider the terms and conditions before applying and seek independent professional advice.

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How would you like true peace of mind whichever way the markets turn?

Rate cap

Our new Rate Cap product has been designed to take the uncertainty out of forward ordering agricultural equipment.  It allows you to take advantage of our super-low rates whilst protecting you from rate fluctuations until your equipment arrives. Whether they move up or down, you’ll always get the lower rate.  Our Rate Cap truly provides you with the protection you need with the flexibility you deserve.

Contact your local John Deere dealer for a Rate Cap quote today!

Conditions apply. Finance available through John Deere Financial Limited (Australian Credit Licence 391484) to approved applicants only.  You should consider the terms and conditions and seek independent professional advice before applying.