Combine Harvester Finance

Spread the cost of combine harvesters from £100,000 to £500,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.

Typical Cost

£100k – £500k

Approval Speed

24–72 hours

Seasonal payments available

Rates From

From 3.5% APR

Finance options

Hire Purchase (HP)

Rate: From 3.9% APR
Term: 12–84 months
Deposit: 10–20%
Ownership: Yours at the end
Best for: Arable farms wanting to own the combine outright

Finance Lease

Rate: From 3.5% APR
Term: 12–84 months
Deposit: None required
Ownership: Return or buy (balloon payment)
Best for: Tax-efficient — claim 100% of payments against profit

Operating Lease

Rate: From 4.5% APR
Term: 36–60 months
Deposit: None required
Ownership: Return at end
Best for: Run the latest combine every season. Off balance sheet.

Representative example

Borrow £250,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£5,202. Total amount payable: ~£249,696. Rates depend on your circumstances.

Popular models

Model	Price Range	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

Tax benefits

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.

Market context

Around 1,200 new combine harvesters are sold in the UK annually. The average UK arable farm harvests 200–400 hectares per season. GPS-guided precision harvesting is now standard on new combines, improving yield by 5–10%.

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. Our eligibility check uses a soft search only — no impact on your credit score.

Frequently asked questions

Can I finance a used combine harvester?

Yes. Most lenders finance used combines up to 10 years old. Well-maintained machines with low hours retain value well. An independent valuation is typically required.

What deposit do I need?

For hire purchase, most lenders ask for 10–20% deposit. Finance leases often require no deposit. Given high values, a larger deposit significantly reduces monthly payments.

Are seasonal payments available?

Yes. Many agricultural lenders offer seasonal payment profiles aligned with harvest income — lower payments through winter, larger payments post-harvest.

How quickly can I get combine finance?

Most applications are approved within 48 hours. For straightforward deals, same-day decisions are possible. Complex or multi-unit orders may take 5–7 working days.