The Right Agricultural Equipment Loan To Grow Your Farms

Through agricultural equipment loans, kiwis can invest in new and modern machinery or replace the old ones so their farms keep moving forward without any financial constraint.

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Way to borrow

Smarter agricultural equipment loans to upgrade your farm lifestyle

Farming takes limitless dedication and upgraded equipment. Whether you need funds for tractors, harvesters, irrigation systems, or dairy machinery, Link Finance aligns you with the perfect lenders who understand the farm lifestyle.

Loan term

Choose a time frame for the loan term that works best for you, 6 months to 5 years. We’ll fit the term to your farm’s needs.

Loan purpose

These agricultural equipment loans can be used for an extensive range of farming needs; tractors, generators, fencing tools, spray units, etc. Refinancing of existing agricultural equipment loans can reduce the interest rates.

Loan types

We provide both secured and unsecured loan options to support your farm’s growth. Having an asset or security can decrease the interest rates. But those with unsecured option are equally entertained.

Repayment options

Select a repayment schedule that fits your income cycle; fortnightly, weekly, or monthly.

Interest rates

Link Finance proposes competitive interest rate depending on your farm’s financial situation. These interest rates start from as low as 8%.

Transparent fees

We do not surprise you with hidden charges and make everything clear about the cost from day one.

Who can apply?

Who’s eligible for an agricultural equipment loan in NZ?

To qualify for agricultural equipment loans NZ with Link Finance, you must:

  • Be 18+ years old
  • Be a New Zealand citizen, resident, or visa holder
  • Be earning income through farming or agricultural operations
  • Demonstrate financial capability and creditworthiness

First time borrower? No worries. We’re here to guide you through it.

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Our Simple Process

How agricultural equipment finance works at Link Finance. We keep things simple.

You can have your agricultural loans approved in just 3 simple steps!

Apply online

Fill out our quick online form in just a few minutes.

Fast approval

We’ll assess your application quickly most agricultural equipment loans NZ are approved in 1–2 business days.

Get funded

Once approved, you’ll receive the funds to purchase your equipment immediately.

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Use our smart loan calculator to estimate your repayments and total loan amount.

Plan Before You Apply

How Much Would You Like To Borrow?

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Loan Amount

For How Long

Estimated
Repayments From

$783

$46,965 Total

$180

Total $46,850

9.95%/p.a

Calulated At An Example Rate

Why choose Link Finance?

Rural finance experts

We understand the needs of Kiwi farmers. Our experience in agricultural equipment finance makes us a trusted partner in your success.

Tailored loan solutions

Every farm is different so we customise every loan to fit your unique agricultural needs.

Fast turnaround

Need that new tractor now? Most of our agricultural equipment loans NZ are approved and funded within 48 hours.

Testimonials

Customer feedbacks

Hear what our valued customers have to say about their experience with our services. We’re proud to deliver satisfaction and lasting impressions.

Excellent service from start to finish. Everything was handled smoothly and professionally. Highly recommend to everyone I know!

Gerry Kellmen

Customer

Very satisfied with the overall experience. The team was responsive, friendly, and made the entire process so simple.

Johnson

Customer

Quick, reliable, and professional service. I’m glad I chose them and would definitely use their services again.

Maxwell

Customer

Outstanding experience from beginning to end. The staff was helpful, kind, and made everything easy for me to manage.

Anderson

Customer

Superb service with great attention to detail. I felt valued and supported throughout the entire process without any hassle.

Michael

Customer

Start Growing Your Farm Today

Whether you’re growing crops, running livestock, or operating a horticulture business, agricultural equipment finance from Link Finance helps you succeed faster. Get the tools you need, when you need them with minimal hassle.

Use our online loan calculator to estimate your repayments and apply today. With Link Finance, farm growth is just a step away.

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Our Rates And Fees

We believe in flexibility, offering tailored solutions without fixed fees or rates. Whether it’s a short term Bridging loan, Debt consolidation, Car Loan and Business loan, we have the right loan to match your unique needs.

Interest Rate Range

8% - 22.95%

Loan Limits

$2000 - $100,000

Loan Terms

1 Year - 5 Years

Frequently Asked Questions

Yes. Many Kiwi farmers use agricultural equipment loans NZ alongside existing loans. Our funding is separate from business loans, so you don’t need to refinance or adjust existing arrangements.

Loan amounts typically range from $3,000 to over $100,000. The maximum depends on your financials, credit history, and repayment ability. Secured loans may offer higher limits.

It depends on your income, current debt, and the value of the equipment. We tailor each agricultural equipment loan based on what you can reasonably afford to repay.

Interest rates vary depending on credit score, income, and loan type. Our personalised approach means you’ll always get a fair and competitive offer.

Yes. Common fees include an Establishment Fee and possible monthly account fees. At Link Finance, we’re transparent about all costs before you commit.

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