Affordable equipment financing options

Affordable equipment financing options

AGCO Finance

Valtra AGCO Finance

AGCO Finance Pty Limited in Australia and AGCO Finance Limited in New Zealand offer a comprehensive choice of dedicated commercial finance options. Whether it is a chattel mortgage or a lease arrangement, you’ll find that our competitive fixed rates and fast service will take the hassle out of financing your next purchase.

In today's marketplace, financing and leasing options are as much a part of the purchase decision as the mechanical features and benefits of the equipment you choose. Our finance programs will help you obtain equipment that has the power, efficiency and technology to operate a profitable business at a payment you can afford. You will have the opportunity to gain use and ownership of the world's best agriculture equipment

Your benefits:

  • We're dedicated to agriculture, providing you with expert advice and professional service
  • Flexible payment terms, tailored to meet your cashflow needs
  • Fast Approval
  • Competitive fixed rates
  • Easy one shot documentation process
  • Convenient one-stop financing at your local Valtra dealer

Finance lease

AGCO Finance buys the equipment from the dealer. You lease the equipment from AGCO Finance for a specific time and in return, make a series of payments. The customer can apply to purchase and own the equipment at the end of the contract period but must guarantee the residual. Title to the equipment remains with AGCO Finance until disposal.

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Best for?

Borrowers wanting to preserve working capital without the need for ownership.

Ownership?

Machinery ownership remains with AGCO Finance. You can apply to purchase and own at the end of the contract period but must guarantee the residual.

Finance Amount?

100% purchase is mandatory^

Interest Rate?

Fixed for the term of the finance agreement.

Deposit?

None

Payment Schedule?

Tailored to your needs. Just like a AGCO Finance chattel mortgage, we are pleased to discuss the repayment profile that will best match your requirements.

Terms?

12-66 Months

Balloon / Residual?

Mandatory and is an estimate of the value at the end of the term.

Generates Equity?

No

GST?

Included in each rental, customer claims on next BAS after each payment.

Can I claim full instalments as tax deductions?

Yes

Can I claim depreciation and interest as tax deductions?

No

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Chattel Mortgage (Australia)

This is the most common way to finance machinery in Australia. You decide what equipment to buy, negotiate the sale with the dealer and then sign a chattel mortgage agreement to repay the capital and interest to AGCO Finance. The dealer's invoice is settled promptly by AGCO Finance and when the final instalment is paid the equipment belongs to you.

More information

Best for?

Borrowers wanting immediate ownership and the ability to build asset equity.

Ownership?

Ownership passes immediately to you with a mortgage (security interest) held over the equipment by AGCO finance .

Finance Amount?

Any amount up to 100%*

Finance Rate?

Fixed for the term of the loan.

Deposit?

Flexible.

Payment Schedule?

Tailored to your needs. It may be important to consider the best time of year to make repayments and AGCO Finance will be pleased to discuss the repayment profile that will best match your income.

Terms

12-66 Months

Balloon / Residual?

Optional

Generates Equity?

Yes.

GST?

Payable upfront

Can I claim full instalments as tax deductions?

No.

Can I claim depreciation and interest as tax deductions?

Yes.

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Hire Purchase (New Zealand)

This is the most common way to finance machinery in New Zealand. You decide what equipment to buy, negotiate the sale with the dealer and then sign a hire purchase agreement to repay the capital and interest to AGCO Finance. The dealer's invoice is settled promptly by AGCO Finance and when the final instalment is paid the equipment belongs to you
More information

Best for?

Borrowers wanting to preserve working capital and attain ownership when all payments are made.

Ownership?

Passes to the customer upon final payment.

Finance Amount?

Any amount up to 100%*

Finance Rate?

Fixed for the term of the loan.

Deposit?

Flexible*.

Payment Schedule?

Tailored to your needs.

Terms

12-66 Months

Balloon / Residual?

Optional*

Generates Equity?

Yes.

GST?

Payable upfront, customer pays full amount on next GST return

Can I claim full instalments as tax deductions?

No.

Can I claim depreciation and interest as tax deductions?

Yes.

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Operating Lease

You simply pay a hire rental to AGCO Finance, which allows you to use the equipment for the period specified in the contract hire agreement. Your supplying dealer may offer a separate contract to cover regular servicing and maintenance whilst you have it on hire.

More information

Best for?

Designed for corporate borrowers wanting to preserve working capital without the need for ownership and has the option of a service agreement included in the rental.

Ownership?

Machinery ownership remains with AGCO Finance.

Finance Amount?

100% purchase is mandatory^

Interest Rate?

Fixed for the term of the finance agreement.

Deposit?

None

Payment Schedule?

Tailored to your needs. Just like a AGCO Finance chattel mortgage, we are pleased to discuss the repayment profile that will best match your requirements.

Terms?

12-66 Months

Balloon / Residual?

Mandatory and is an estimate of the value at the end of the term.

Generates Equity?

No

GST?

Included in each rental, customer claims on next BAS after each payment.

Can I claim full instalments as tax deductions?

Yes

Can I claim depreciation and interest as tax deductions?

No

What happens at the end of the hire period?

After the agreed term the equipment will normally be returned to the supplier and your commitment will end. At this stage you may want to discuss extending the hire period, buying the equipment or hiring something else. The choice is yours.

Is it more expensive?

Operating Lease payments are lower than chattel mortgage instalment payments or finance lease agreements for the same equipment, because at the end of the contract period (usually 2 to 5 years) the value of the equipment is recovered by AGCO Finance. This value is built-in at the start to provide lower rentals

 

What are the advantages?

When combined with a service contract it allows you to predict with more certainly your equipment running costs. All you need to pay for is the fuel, other day-to-day running costs, insurance and labour

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Looking for more information?

Every customer's financial situation, tax situation and equipment needs are different. Find out how to make your money work for you. Work with your local Valtra Dealer to find the equipment and financing program that best matches your operating and cash flow needs.

For more information contact your local Valtra Dealer

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