Farm Machinery Finance
Spread the cost of farm machinery from £5,000 to £300,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.
⚡60-second enquiry
🔒No credit check
📊200+ lenders
🇬🇧UK-based advisors
Typical cost range
£5,000 – £300,000
Average: £50,000
Finance available
HP · Lease · Refinance
From 4.5% APR
Approval speed
24–48 hours
Seasonal payments available
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Finance Options for Farm Machinerys
Hire Purchase (HP)
RateFrom 4.9% APR
Term12–72 months
Deposit10–20%
OwnershipYours at the end
Best for: Farmers wanting to own machinery outright
Finance Lease
RateFrom 4.5% APR
Term12–72 months
DepositNone required
OwnershipReturn or buy (balloon payment)
Best for: Tax-efficient — claim 100% of payments against profit
Operating Lease
RateFrom 5.2% APR
Term24–60 months
DepositNone required
OwnershipReturn at end
Best for: Access latest precision agriculture tech. Off balance sheet.
Popular Farm Machinery Models & Costs
Kverneland 2500 i-Plough£20,000 – £40,000Reversible Plough
Vaderstad Rapid 400C£60,000 – £100,000Seed Drill
McHale Fusion Vario£45,000 – £70,000Baler Wrapper
Amazone Pantera 4504£150,000 – £250,000Self-Propelled Sprayer
Tax Benefits of Farm Machinery Finance
Farm machinery qualifies 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.
UK Farm Machinery Market
UK farmers invest over £3bn annually in machinery and equipment. Precision agriculture technology adoption has doubled in the UK over 5 years. The average UK farm holds £350,000 in machinery assets.
Frequently Asked Questions
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