Harvester Finance Australia
Your harvester is only needed a few weeks each year - but it's one of your most critical investments. Whether you're upgrading your header fleet or buying your first combine, we'll help you find finance with repayments that match your harvest income cycle.
Seasonal repayments available. Low doc options.
Finance Your Header or Harvester
When harvest time comes, you need a machine you can rely on. Downtime during harvest isn't just frustrating - it's costly. Whether you're looking at a new John Deere S-Series, a quality used Case IH, or upgrading to a wider draper front, the right equipment makes all the difference to your harvest efficiency and grain quality.
At Your Lending Friend, we specialise in harvester finance for Australian grain growers. We work with lenders who understand the economics of cropping - including those offering seasonal repayment structures that align payments with when you actually receive income from your harvest.
Planning to upgrade before this harvest? Let's talk now so your finance is ready when you are.
Why Finance Your Harvester With Us?
Finance that works with your harvest cycle
Fast Pre-Harvest Approvals
Time your upgrade right. Get approved before harvest so your new header is ready when the crop is. Many applications approved within 24-48 hours.
Seasonal Repayments
Pay more when your income is strongest. We work with lenders who offer repayment schedules aligned with your harvest cycle - not against it.
Challenging Credit Welcome
Drought, floods, or tough seasons can affect any farmer. We work with agricultural lenders who look at your farm's potential, not just your credit history.
Agricultural Expertise
We understand harvest cycles, header economics, and the urgency of getting equipment right. Our team speaks farming.
Harvesting Equipment We Finance
Combine harvesters, headers, and supporting equipment
Combine Harvesters
Self-propelled harvesters for grain, canola, and other broadacre crops.
Headers & Fronts
Draper fronts, rigid fronts, and speciality headers for different crops.
Supporting Equipment
Grain carts, chaser bins, and harvest logistics equipment.
Popular Brands We Finance
Combine Harvesters
Headers & Fronts
Harvester Finance Details
Flexible finance tailored to your cropping operation
From quality used headers to new flagship combines
Flexible terms with seasonal repayment options
Finance for new harvesters and quality used machines
How Harvester Finance Works
Getting approved for your harvester loan is simple
Tell Us About Your Harvester
What machine do you need? New or used? We'll understand your cropping operation and find finance that works.
We Compare Options
Our specialists search 40+ lenders including agricultural finance experts who offer seasonal payment structures.
Choose Your Structure
Chattel mortgage with GST upfront? Seasonal payments? We explain your options clearly so you can decide.
Get Harvest Ready
Fast approval and settlement means your harvester is ready when your crop is. We handle the paperwork.
Checking your options won't affect your credit score
Harvester Finance FAQs
Common questions about header and harvester finance
We finance all major harvester brands including John Deere, Case IH, New Holland, Claas, Massey Ferguson, and others. This includes combine harvesters, headers, fronts, and supporting equipment like grain carts. Both new machines and quality used equipment can be financed.
Harvester loans typically range from $100,000 for used machi...
Harvester loans typically range from $100,000 for used machines or headers to $800,000+ for new top-of-the-line combines. The amount depends on the equipment value, your farm financials, and the lender. We'll help you find finance that suits your operation.
Yes, seasonal repayments are common for harvester finance. M...
Yes, seasonal repayments are common for harvester finance. Many agricultural lenders offer structures where you pay more after harvest when cash flow is strongest, and less during the rest of the year. We can structure payments around your actual income cycle.
Yes, we finance both new and used harvesters and headers. Qu...
Yes, we finance both new and used harvesters and headers. Quality used equipment can represent excellent value, and agricultural lenders understand that well-maintained harvesters have long working lives. Equipment condition and age will affect terms and rates.
It depends on your situation. Some farmers finance the heade...
It depends on your situation. Some farmers finance the header and harvester together as a package, while others finance separately - especially if upgrading a header on an existing machine. We can advise on the best approach for your circumstances.
Deposit requirements vary by lender and your situation. Some...
Deposit requirements vary by lender and your situation. Some lenders offer no-deposit options for strong applications, while others may require 10-20%. Trade-ins can count toward your deposit. For larger loans or challenging credit, a deposit may improve your options.
Yes, if you're GST registered. With chattel mortgage (the mo...
Yes, if you're GST registered. With chattel mortgage (the most common structure for farmers), you can claim the full GST amount upfront on your next BAS. On a $500,000 harvester, that's around $45,000 back in your pocket sooner.
Harvester finance terms typically range from 2 to 7 years. L...
Harvester finance terms typically range from 2 to 7 years. Longer terms mean lower repayments but more interest. We'll help you balance affordable payments with the harvester's expected working life and your farm's cash flow needs.
Still have questions? Contact our friendly team
Related Agricultural Finance
Ready to Finance Your Harvester?
Contact us today to discuss your harvester finance options. Get approved before harvest so your new machine is ready when your crop is.