Commercial Vehicle Finance for Agriculture
Agricultural vehicles — tractors, trailers, ATVs, pick-ups, and specialist farm vehicles — are essential but expensive. Vehicle finance spreads the cost with payment structures that match farming cash flows, including seasonal profiles with lower payments during planting and growing seasons.
Farm vehicle finance covers both new and used equipment. Agricultural-specialist lenders understand residual values, seasonal usage patterns, and the specific requirements of farming operations.
Key Benefits
- Seasonal payment profiles matching harvest income
- Finance new and used agricultural vehicles
- Balloon payments to reduce monthly cost
- Cover tractors, trailers, ATVs, and specialist vehicles
Frequently Asked Questions
Can I get seasonal payments?
Yes. Agricultural vehicle lenders routinely offer seasonal profiles — for example, larger payments after harvest with reduced or zero payments during quieter months.
Are ATVs and UTVs included?
Yes. All-terrain vehicles, utility vehicles, and quad bikes used in farming are eligible for finance, subject to minimum value thresholds (typically £5k+).
What about road tax and insurance?
Some finance agreements can include first-year road tax. Insurance must be arranged separately and is a condition of the finance agreement. Agricultural vehicle insurance specialists offer competitive rates.
Can I part-exchange my old vehicle?
Yes. The trade-in value of your existing vehicle reduces the amount financed. Many agricultural dealers facilitate part-exchange as part of the purchase and finance process.
Related Funding Options
Asset Finance for Agricultural Businesses
Finance tractors, harvesters, irrigation systems, and farm equipment. Specialist asset finance for UK farms and agricultural businesses.
Unsecured Business Loans for Agricultural Businesses
Working capital for UK farms and agricultural businesses. Fund seeds, livestock, equipment, and diversification projects.
Bridging Loans for Agricultural Businesses
Fast bridging finance for UK farms and agricultural businesses. Fund land purchases, barn conversions, and diversification projects.
Ready to Get Funded?
Submit your details and we'll match you with the right lenders from our panel. No obligation, no fees.
Learn About Our Broker NetworkCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.