Skip to main content
Contact us
Our rates
Security centre
Help & support
Blog
BSB: 633-111
Locate usPhone:1300 660 115
Login
Lending
Banking
Savings & investments
Knowledge & insights
About us
Rural Bank logo.Login
Login
LendingBankingSavings & investmentsKnowledge & insightsAbout us
Locate us 1300 660 115
Contact usOur ratesSecurity centreHelp & supportBlogBSB: 633-111

Compare our lending products

Find your local Relationship Manager
Seasonal Overdraft

Summary

A daily working capital facility that enables primary producers to finance short-term production costs and cover cash flow short falls.
Eligibility
Must be an Australian primary producer. All applications are subject to satisfactory credit assessment.
Minimum loan
$20,000
Security
Secured by a combination of securities such as crops, livestock, wool and land.
Term
Overdraft limits are approved for 12 months and subject to an annual review.
Interest
Variable interest rate
Repayments
No fixed or minimum repayments are required as long the overdraft balance falls within your approved limit. Additional repayments can be made at any time.
Access options
ATM, EFTPOS, Bank@Post, BPAY, Pay Anyone, Cheque, Internet, Phone Banking.
Learn more
AgriManager®
Summary
A convenient, all in one line of credit facility that puts primary producers in charge of seasonal borrowings, capital improvements, property purchases and transactional banking.
Eligibility
Must be an Australian primary producer. All applications are subject to satisfactory credit assessment.
Minimum loan
$150,000
Security
Secured by land.
Term
Overdraft limits are approved for 12 months and subject to an annual review.
Interest
Variable interest rate with a choice of interest charging / earning options to match your cash flow.
Repayments
No fixed or minimum repayments are required as long the overdraft balance falls within your approved limit. Additional repayments can be made at any time.
Access options
ATM, EFTPOS, Bank@Post, BPAY, Pay Anyone, Cheque, Internet, Phone Banking.
Learn more
Term Loan
Summary
Ideal for capital improvements, property purchases or restructure/refinance.
Eligibility
Must be an Australian primary producer. All applications are subject to satisfactory credit assessment.
Minimum loan
$50,000
Security
Can be secured by a combination of securities such as crops, livestock, water and land.
Term
Up to 15 years – principal and interest repayments;
Up to 5 years – interest only repayments.
Interest
Variable or fixed interest rates.
Repayments
Principal and interest or interest only.
Access options
Cheque, only at time of drawdown or redraw (available for variable rate loans only. $5,000).
Learn more
Equipment Finance
Summary
Three options (Finance Lease, Asset Purchase or Equipment Loan) to make it easy for you to purchase, replace or upgrade your farming or farm business equipment.
Eligibility
Must be an Australian primary producer. All applications are subject to satisfactory credit assessment.
Minimum loan
$20,000
Security
Security is taken over the goods to be financed.
Term
1 to 7 years.
Interest
Fixed interest rate.
Repayments
Can be tailored to suit your cash flow (monthly, quarterly, half yearly, seasonally or annually).
Access options
Direct debit to make schedule repayments and/or instalments.
Learn more

Things you should know

Information is subject to change. All applications for loans or credit are subject to normal lending criteria. Terms, conditions fees and charges apply and are available by phoning our Customer Service Team on 1300 660 115, online, or by contacting your local Rural Bank relationship manager.

Cheque facility is only available on accounts opened prior to 1 August 2023.

Quick Links
Ways to bank
About us
Help & support
Connect with us
Social/Facebook Created with Sketch. Social/Twitter Created with Sketch. Social/LinkedIn Created with Sketch. Social/YouTube Created with Sketch.
Rural Bank logo.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Rural Bank - A Division of Bendigo and Adelaide Bank Limited
© Copyright 2024 Rural Bank | ABN 11 068 049 178 | AFSL/Australian Credit Licence 237879