Lendus.

Cultivator Finance

Spread the cost of cultivators from £12,000 to £90,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a cultivator?

Yes, cultivators 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 £12,000 to £90,000, and most deals are written over 12–60 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
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Typical Cost

£12k – £90k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.5% APR

What would a cultivator cost per month?

£38,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 4.9% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Arable farms wanting to own the cultivator 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, cultivators hold value well and suit a manageable balloon

Operating Lease

Rate
From 5.2% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Contractors moving between farms wanting the latest tine or disc configuration

Representative example

On a purchase price of £38,000: a 10% deposit of £3,800, then 48 monthly payments of £802 at 5.9% APR representative (fixed). Total amount payable £42,296, 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
Kuhn Optimer 303 £15,000 – £24,000 Compact Disc Cultivator
Vaderstad Carrier 500 £30,000 – £45,000 Trailed Disc Cultivator
Kverneland Qualidisc Farmer 3000 £25,000 – £38,000 Mounted Disc Cultivator
Vaderstad Opus 500 £55,000 – £90,000 Deep Cultivator / Subsoiler Combination

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Tax benefits

Cultivators 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 profits.

Market context

Cultivators are bought across the full range of arable and mixed farm sizes, from a light compact disc harrow on a smaller family-run holding through to a heavy deep cultivator on a large contracting fleet, which is why price and specification vary so widely within the category. As with other tillage kit, replacement tends to be driven by point, disc, and leg wear plus changing establishment techniques such as a shift towards min-till or direct drilling, rather than by age alone. The used market for cultivators from established manufacturers is well supported by parts availability, and machines are frequently traded in as farms adjust their cultivation strategy.

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.

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Frequently asked questions

Can I finance a used cultivator?
Yes. Most lenders finance used cultivators up to around 10-12 years old, subject to condition of discs, tines, and frame. Because cultivators are relatively simple, low-wear machines compared with powered equipment, older well-maintained examples are often still financeable at reasonable rates, and a straightforward visual inspection of wear points is usually sufficient rather than the more detailed engineering reports needed for higher-value powered machinery like a self-propelled sprayer or combine.
I'm switching from ploughing to min-till, does that affect finance?
No, the finance process is the same whatever cultivation system you're moving to. Lenders assess the asset and your farm business rather than the specific establishment method, though it's worth mentioning the change if you're also part-exchanging a plough, as it may affect valuation of your existing kit. A move to min-till or direct drilling often means financing a cultivator alongside a new drill at the same time, since the two purchases are usually planned together as part of the same change in establishment strategy rather than staged years apart.
Can I finance a cultivator alongside a seed drill as one package?
Yes. Many lenders will finance a cultivator, drill, and roll combination as a single facility rather than three separate agreements, which can simplify admin and sometimes secure a better blended rate than financing each item on its own. This is a common approach for a farm changing its whole establishment system in one go, since the cultivator, drill and any rolling equipment are usually specified together by the machinery dealer as a matched set rather than bought from different suppliers at different times.
Are seasonal repayments available for cultivator finance?
Yes. As with most tillage equipment, agricultural lenders commonly offer annual or seasonal repayment profiles timed around autumn or spring cultivation work and harvest income, rather than a flat monthly amount. This suits a cultivator well, since the machine is used intensively in short bursts around drilling windows and largely idle the rest of the year, so a lender familiar with your cropping calendar can usually structure repayments to fall when harvest or crop sale income actually arrives rather than an even monthly spread.
What deposit do I need for a cultivator?
For hire purchase, most lenders ask for a 10-20% deposit, while finance leases and operating leases often require no deposit at all. Because cultivators hold their value reasonably well and sit at a lower price point than powered tillage equipment, a modest deposit is usually sufficient to secure a competitive rate, and some farms use part-exchange proceeds from an older cultivator to cover most or all of it rather than finding fresh cash.
What happens at the end of a cultivator finance agreement?
Hire purchase transfers full ownership of the cultivator once the agreement is paid off, which suits most farms since a well-maintained cultivator is typically kept and used for many seasons. A finance lease usually offers a balloon payment to take ownership, continued rental, or handover to the funder, while an operating lease is return-only, which suits a contractor moving between farms who wants the latest tine or disc configuration rather than keeping the same machine long-term as establishment techniques continue to evolve.

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Guides and resources

What Is Asset Finance? HP vs Leasing Operating vs Finance Lease Best Asset Finance Companies Close Brothers Review Lombard Review

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