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Loans for farmers

Equipment Finance

The quality of your farm or business equipment can make all the difference to your profitability. As the outlay can be significant, we offer three Equipment Finance options to help you buy, upgrade or replace:

Finance Lease Asset Purchase Equipment Loan
Rural Bank purchases the equipment and then leases it to you for an agreed period. Rural Bank purchases the equipment and you buy it from us in instalments. You own the equipment and Rural Bank provides a loan secured against the equipment.

Whether you choose a Finance Lease, Asset Purchase or Equipment Loan, our Equipment Finance options mean easier cash management and help you to:

  • Preserve working capital by giving you access to the assets your business needs without the capital outlay required to pay for them upfront;
  • Manage your cash flows with fixed rental/instalment payments;
  • Provide possible tax benefits where the equipment being financed is used to generate income; and
  • Have the option of starting a new contract with the latest equipment when your current contract ends.

How do I apply / find out more?

Related documents

Lending interest rates

We tailor our lending products to meet the repayment and cash flow requirements of your business. To find out more, arrange a meeting with one of our Relationship Managers.

Lending fees and charges

Information on fees and charges that may apply to Rural Bank accounts, loans and the use of payment products can be found in our Schedule of Fees and Charges (PDF).


Information is subject to change. All applications for loans or credit are subject to normal lending criteria. Terms, conditions, fees and charges may apply and are available by phoning our Customer Service Centre on 1300 660 115, online, or by visiting your local branch. Products are issued by Rural Bank Limited.