Tractor Finance That
Isn't Tied To One Brand.

A tractor is the machine your whole operation leans on, so it should be the right one for your paddocks, not just the one with the best finance deal attached. But quality machines tie up serious capital, and that’s where we come in.

At QPF Finance, we arrange tractor finance for any make and model, new or used, from a dealer or a private seller. We’ll even compare our offer against the dealer’s own finance so you know you’re getting the better deal. With access to 80+ lenders and brokers who understand farming, we’ll get you sorted quickly and with minimal fuss.

How It Works

Tell Us What You're After

Got a machine picked out or still comparing brands? Tell us what you're chasing and we'll take it from there.

We Source The Best Options

Our brokers compare tractor finance across 80+ lenders, negotiate terms and build a deal that fits your season.

Approval, usually inside 48 hours

Most tractor loans are approved within 24 to 48 hours. We handle the paperwork so you don't have to.

Get The Gear & Get To Work

We settle directly with the dealer or private seller, so your tractor is in the paddock and earning.

TRACTOR LOAN CALCULATOR

Run the Numbers on Your Tractor Finance

Want to know what your tractor loan will cost you?

Get a ballpark on repayments before you talk to anyone. Adjust the amount, term, and balloon to see what fits your monthly cash flow.

Loan Amount

Interest Rate

Loan Term

Balloon / Residual

Repayment Frequency

Your Estimated
Repayments

per week

Disclaimer: This calculator provides an estimate only and does not constitute a loan offer. Actual repayment amounts may vary depending on your individual circumstances and lender terms. Contact a QPF Finance Broker for a detailed quote.

Get in touch

Ready to get started? Reach out to one of our experienced asset finance brokers today to learn more about financing your next tractor.

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Claire Davis profile picture
Claire Davis
1 days ago
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I’ve been using Callum and the team at QPF for all of our finance needs for the past 10 years, including earthmoving equipment and vehicle finance, and I couldn’t recommend them highly enough. Over the years, they have consistently made the finance process easy and stress-free. They understand my business and know exactly what is required to get deals approved, often making what could be a complicated process feel very straightforward. Their knowledge, communication and ability to find competitive finance options have been excellent. They are always responsive, professional and genuinely go the extra mile to get the best outcome. After 10 years of dealing with them, I wouldn’t consider using anyone else for my equipment or vehicle finance. If you’re looking for a broker who is reliable, knowledgeable and gets things done, I highly recommend them.
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10X Joinery profile picture
10X Joinery
4 days ago
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I wanted to make sure I was getting the right rate and loan structure for my CNC machine, so I went to Jayden. He ended up saving me over $12,000 in interest and fees compared to the first offer I received. The process was easy and I’d definitely recommend him.
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Elisha Madawala profile picture
Elisha Madawala
4 days ago
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After going through an absolute nightmare with other finance pathways and through car dealerships, I thought it was all over for me. Sia assured me not to give up and worked around the clock with her team to ensure I was able to not only just get a car, but the car I wanted at a fantastic deal. Sia, Sophie and her team worked their magic and landed me safely. Can’t thank these guys enough. Highly recommend these guys for finance 🙏
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Daniel profile picture
Daniel
7 days ago
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Sally and Tracy at QPF Toowoomba are absolute legends. They are genuinely caring and understanding, go to great lengths to make things work, and are very fast at getting it done. We needed finance for some not-your-everyday items, and no matter how unusual the request, they always found a solution. Professional, patient, and results-driven — couldn’t recommend them highly enough!
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Mitch Griffith profile picture
Mitch Griffith
21 days ago
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As this was my first purchase of a property, I was very nervous. Caron, Greg and their team were very helpful, always kept me up to date and worked around my own busy schedule. I would recommend them to anyone.
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Mitchell Jones profile picture
Mitchell Jones
21 days ago
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Manuela was awesome to deal with. Made the finance process for my new ute so easy and organised everything so quickly and efficiently. Thanks heaps Manuela!
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luke tronson profile picture
luke tronson
22 days ago
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Lewis Richardson did an amazing job in helping me get a loan within a very short time schedule for my new truck. I give 5 out of 5 for his service and professionalism. Thanks again
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Paul asheen profile picture
Paul asheen
28 days ago
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QPF Finance Cairns is the best finance broker in Cairns; Greg, Caron, and the team will assist you through the process in the best way you could ever imagine for whatever finance you are after, whether home, car, or commercial. These guys will help you, and I highly recommend them.
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Mellissa Luckman profile picture
Mellissa Luckman
29 days ago
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Big shout-out to Lewis Richardson at QPF Finance and Insurance 👊 Lewis has helped us finance through all our companies which includes Crushers, Excavators, Tip Trucks , Skip Trucks, Skip Bins and Skid steers .We've got several jobs on the go including earthmoving , site cleans, skip bins plus a run of sandstone and rock crushing jobs lined up for our RM 70 and Komplet Crusher— all of it made possible because Lewis got the finance sorted quickly and without the usual runaround. If you're in civil, quarrying or recycling and you're looking at getting gear on the ground, do yourself a favour and give Lewis a call. He actually understands the industry and what the machines are for. Cheers mate — much appreciated. Recycling King Australia Skip King Recycling Proficient Siteworks
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Ajay Thakur profile picture
Ajay Thakur
33 days ago
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Manuela was great to deal with and I would highly recommend her
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Brodi Gant profile picture
Brodi Gant
34 days ago
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Manuela was amazing, was able to get a loan in a short amount of time and the process was made easy.
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Sam Crocker profile picture
Sam Crocker
36 days ago
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Highly recommend Callum and the team. Very helpful and easy to deal with.
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Andrew Davis profile picture
Andrew Davis
43 days ago
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Greg, Caron and the team are great to deal with. Nothing is a problem with them, they will get you sorted for your financial needs
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Dan Wicks profile picture
Dan Wicks
43 days ago
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Dylan made it super easy to obtain finance on the two ocasions I have dealt with QPF and I have no problem recomending them to any one looking for plant and equipment finance.
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Luke Polomka profile picture
Luke Polomka
47 days ago
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I personally highly recommend Callum and the team from QPF Finance in Toowoomba. I have been dealing with Callum for the past 10+years with all aspects of commercial and business funding. Highly recommended, communication and support is second to none. You will not be disappointed.
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Kris Jennings profile picture
Kris Jennings
48 days ago
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Kris Jennings owner of Jennings Bulk Haulage Been with Callum for 11 years now, though all business highs and lows he has been there with me, we class him as family now, brought other friends, family and business partners to the QPF family, even people who used to deal direct to banks. We are very pride full on having our 3 original partners Accountant, insurance and finance. I believe these 3 core people can make or break a company. Google doesn’t have enough stars to rate cal
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David Fistr profile picture
David Fistr
48 days ago
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Just like to say Callum and his staff simply to an outstanding job looking for the best rate they can give you. I have dealt with Qpf for many years. And there no fuss professional service is the best you will find anywhere. So give them a try you will not be disappointed. Honest down to earth people. Can't trust many people these days. But Callum is the acception. EXCELLENT WORK ALWAYS !!!!
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David Fistr profile picture
David Fistr
49 days ago
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Again Callum and Melissa have done an outstanding job, Always doing there best to find and supply a great rate and service, I always recommend them if your looking for a friendly no fuss company, QPF FINANCE IS THE BEST . Thanks again QPF for helping me find a great rate, much appreciated David James fistr.
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bec P profile picture
bec P
56 days ago
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Manuela is and was one of the most supportive and informative brokers I have had the pleasure doing business with. From the first time I spoke with her she put me at ease (I was pretty freaked out about getting a loan) and gave me every single bit of information I needed. She handled all of my many many queries, questions and what if’s professionally and also made me feel safe and looked after. Anything I didn’t understand she was happy to explain and in great detail and was always available when needed. It was an absolute pleasure having her as my broker and I will be recommending any of my friends and family to her in the future. Thank you so much for getting me into my much needed and very overdue new car!!!
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Said Atalla profile picture
Said Atalla
56 days ago
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Dylan Long was so great, professional communication, he prepared the marine quote loan quickly & professionally, emails always sent for every update, no need to call, I believe I will be a return customer, this is a real 5 start service.
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Jonathon Strattonj profile picture
Jonathon Strattonj
56 days ago
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Have been using QPF Finance to purchase all my plant for my Earthworks Business over the past 8 years and highly recommend Callum and Melissa for their professional work and quick turnaround in getting the loans approved. Regards Stratton Earthworks and Drainage
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Lucas White profile picture
Lucas White
70 days ago
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We have use Max and the QPF team for our finance needs for a number of years. They go above an beyond and would highly recommend them to any business looking for finance
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Jack Segond profile picture
Jack Segond
70 days ago
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Manuela Mattiuzzi was great to deal with. Made everything easy and simple, explained everything well and didn't feel like I had to be on the back foot. Definitely recommend
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Shaun Birmingham profile picture
Shaun Birmingham
78 days ago
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I would like to acknowledge Manuela Matiuzzi for her work on my recent loan application. Nothing is a stress when dealing with Manuela she presented clear and concise information and was able to explain any questions I had with out hesitation or delay. I would happily recommend Manuela to my friends and family.
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Abigail Kadel profile picture
Abigail Kadel
82 days ago
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Both Manuela & Luke from QPF Finance are great! Very helpful, and helped me get the result I was after. Highly recommend.

The QPF Difference

At QPF Finance, we’ve helped thousands of Australian farmers and ag contractors fund the machinery their season depends on. We know how these deals need to be structured, and we know that a tractor bought in March has to be paid for on a harvest cash flow.

We’re family-owned and operated and take pride in building long-term relationships with our clients. We’re not here to sell, we’re here to solve. Whether it’s your first tractor or the next one in the shed, our brokers are in your corner.

Family-Owned Since 1977

Three generations of backing Australian businesses with straight answers and no run-around.

80+ Lenders on Our Panel

More options means better rates and a lender who actually wants your deal.

Industry Know-How

We speak your language and understand your challenges, on farm and off.

One Broker, Start to Finish

No call centres. The person who quotes your deal is the person who settles it.

Finance for the
Whole Operation

Business, equipment, property, insurance. We take care of it all so you can stay focused on running your business.

Finance That Works To Your Season,
Not The Bank's Calendar

Farming income doesn’t arrive in neat monthly instalments, and your finance shouldn’t pretend it does.

We tailor tractor finance to suit the way your operation actually runs, whether you’re cropping, running livestock, contracting, or juggling all three. From seasonal and annual repayment structures to low doc options, no deposit deals and balloons timed to your harvest, we’ll help you access funding that fits your cash flow instead of fighting it.

Whatever your setup looks like, our brokers will find a tractor loan that fits, so you can focus on the work in front of you.

TRACTOR FINANCE

Frequently Asked Questions

How do I finance a tractor?

Can I finance any brand of tractor?

Can I finance a used tractor?

Can I buy from a private seller instead of a dealer?

How do I check a used tractor doesn't have finance owing on it?

Can I get seasonal repayments that match my harvest?

Do I need a deposit for tractor finance?

What is low doc tractor finance?

How long can I finance a tractor over?

Are tractor finance repayments tax deductible?

Show more

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