Lendus.

Baler Finance

Spread the cost of round and square balers from £18,000 to £160,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a baler?

Yes, balers are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £18,000 to £160,000, and most deals are written over 12–72 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£18k – £160k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.5% APR

What would a baler cost per month?

£55,000
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical baler price. Indicative only, not a quote.

Compare baler finance rates from 200+ lenders

Check Eligibility

Finance options

Hire Purchase (HP)

Rate
From 4.9% APR
Term
12–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Farmers and contractors wanting to own the baler outright

Finance Lease

Rate
From 4.5% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, balloon payment reflects strong residual values on used balers

Operating Lease

Rate
From 5.2% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Baling contractors who want the latest net-wrap and density technology

Representative example

On a purchase price of £55,000: a 10% deposit of £5,500, then 48 monthly payments of £1,160 at 5.9% APR representative (fixed). Total amount payable £61,180, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
Claas Rollant 454 £25,000 – £38,000 Fixed-Chamber Round Baler
Krone Comprima F 155 XC £45,000 – £65,000 Round Baler-Wrapper Combi
Kuhn LSB 890 £75,000 – £105,000 Large Square Baler
Krone BigPack 1270 £110,000 – £160,000 High-Density Square Baler

Ready to compare baler finance? 2 minutes, no credit check.

Check Eligibility

Tax benefits

Balers qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one, up to £1,000,000. HP gives access to capital allowances; lease payments are fully deductible from farming or contracting profits.

Market context

Balers are bought by a wide range of buyers, from family livestock farms baling their own hay and silage to specialist contractors covering hundreds of farms across a hay and straw season, which is why the price range for the category is so wide. Because a baler only earns its keep for a few intense weeks a year, many buyers time replacement around knotter and pickup wear rather than age, and a strong used market, driven by both domestic demand and export to Ireland and mainland Europe, means well-maintained balers from the established manufacturers hold value better than most tillage kit.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

Compare rates from 200+ lenders, takes 2 minutes.

Check Eligibility

Frequently asked questions

What's the difference between financing a round baler and a large square baler?
Round balers are lower cost and more common on livestock farms, so lenders treat them much like any other mid-value farm machinery. Large square balers used for straw and hay contracting cost several times more and are usually assessed on the contracting business's turnover and existing customer base as much as on the asset itself.
Can I finance a used baler?
Yes. Most lenders finance used balers up to around 10 years old, subject to condition and bale count where available. Round balers in particular hold their value well if maintained, so part-exchanging an existing baler against a newer model is a common and cost-effective route.
Are seasonal repayment plans available for balers?
Yes. Many agricultural lenders will structure hire purchase or lease payments to fall after hay, silage, or straw income lands rather than spreading them evenly across the year, which suits both farm businesses and contracting operations whose income is concentrated in a few months.
Is it better to use the manufacturer's finance scheme or an independent lender?
Both are worth quoting. Dealer-backed schemes are sometimes subsidised on new balers at certain times of year, but an independent lender may offer more flexibility on seasonal structuring, part-exchange, or financing a baler alongside a wrapper or trailer as one package.

Related equipment finance

More agriculture finance

See how lenders treat agriculture assets

Guides and resources

Ready to finance your baler?

Compare rates from 200+ lenders. No credit check.

Check Eligibility →
Check Eligibility, 2 min, no credit check