Spread the cost of combine harvesters from £100,000 to £500,000+ with flexible finance options. HP, lease, or refinance
Yes, combine harvesters 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 £100,000 to £500,000, and most deals are written over 12–84 months with a deposit of around 10–20%. Decisions typically take 24–72 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£100k – £500k
Approval Speed
24–72 hours
Seasonal payments available
Rates From
3.5% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical combine harvester price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £250,000: a 10% deposit of £25,000, then 48 monthly payments of £5,274 at 5.9% APR representative (fixed). Total amount payable £278,152, including the deposit. The rate you are offered depends on your business and the asset.
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 |
|---|---|---|
| John Deere T670 | £200,000 – £320,000 | Conventional Combine |
| New Holland CX8.90 | £250,000 – £400,000 | Twin Rotor Combine |
| Claas Lexion 8700 | £300,000 – £480,000 | Hybrid Combine |
| Massey Ferguson IDEAL 8T | £280,000 – £420,000 | IDEAL Combine |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Combine harvesters qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one, up to £1,000,000. HP agreements allow capital allowances. Lease payments are fully deductible from farming profits.
Combines are bought by arable and mixed farms harvesting their own cereals and oilseed crops, and by contractors covering many farms within a short harvest window, which is why header width and threshing capacity vary so much across the category. Because a combine sits idle most of the year and is one of the largest single purchases a farm makes, most buyers finance rather than tie up capital needed for inputs, rent and running costs. Replacement tends to follow engine and separator hours and warranty cover rather than age, since reliability during harvest matters most. Export demand into Eastern Europe supports residual values on the established makes.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.