Lendus.

Round Baler Finance

Spread the cost of round balers from £18,000 to £70,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a round baler?

Yes, round 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 £70,000, 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
FCA-regulated brokers

Typical Cost

£18k – £70k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.5% APR

What would a round baler cost per month?

£35,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical round baler 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
Livestock farms baling their own hay and silage

Finance Lease

Rate
From 4.5% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, round balers hold residual value well, keeping the balloon manageable

Operating Lease

Rate
From 5.2% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Baling contractors upgrading regularly for reliability

Representative example

On a purchase price of £35,000: a 10% deposit of £3,500, then 48 monthly payments of £738 at 5.9% APR representative (fixed). Total amount payable £38,924, 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 340 £18,000 – £26,000 Fixed-Chamber Round Baler
McHale Fusion 4 Plus £48,000 – £65,000 Baler-Wrapper Combination
Krone Comprima V150 XC £40,000 – £58,000 Variable-Chamber Round Baler
Kuhn VB 3100 £30,000 – £45,000 Variable-Chamber Round Baler

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Tax benefits

Round 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 profits.

Market context

The typical round baler buyer is a livestock or mixed farm making its own hay, haylage, or silage bales, often as a family business or partnership rather than a large contracting operation, alongside dedicated baling and wrapping contractors covering multiple farms. Round balers see concentrated use over a few weeks a year, so lenders and dealers alike track condition through knotter and belt wear rather than calendar age. Because bale-wrapper combinations and fixed-chamber balers from the established manufacturers are in steady demand across the UK and into export markets, used values tend to hold up better than for many other tillage or handling machines.

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 round baler?
Yes. Most lenders finance used round balers up to around 10–12 years old, subject to condition. Because round balers hold their value well when maintained, part-exchanging an older baler against a newer or belt-chamber model is a common and cost-effective way to upgrade.
What's the difference between a fixed-chamber and variable-chamber baler for finance purposes?
Fixed-chamber balers are lower cost and simpler, so finance terms are usually straightforward hire purchase over 3–5 years. Variable-chamber and baler-wrapper combination machines cost more and are often financed on longer terms or a finance lease with a balloon, reflecting their higher residual value and wider use across silage as well as hay.
Can I align repayments with when my hay or silage income arrives?
Yes. Seasonal or annual repayment profiles are common in agricultural finance, letting you pay less over winter and more once hay, haylage, or bale sales income has come in, rather than a flat monthly amount that doesn't match the farm's cash flow.
Should I compare a dealer finance scheme with independent finance?
It's worth getting both quotes. Manufacturer dealer schemes sometimes offer subsidised rates on new balers, particularly around spring order time, while independent lenders can be more flexible on seasonal payment structuring or financing a baler alongside a wrapper as one facility.

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