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Tractor Finance

Asset finance is our specialty. Yarra Finance can arrange competitive rates on finance for vehicles, plant, and equipment. We can guide you through the options regarding the different facilities that are available including

  • Chattel Mortgage
  • Hire Purchase
  • Leasing
  • Rental
  • Novated Lease
  • Consumer Vehicle Finance

Vehical finance

We offer GAP COVER & EXTENDED WARRANTY as an add on for vehicle purchases. Policies are underwritten by Fortron Insurance Group limited. These policies give clients peace of mind limiting any extra out of pocket expenses in the even of a total loss or vehicle breakdown.

We also offer NEW VEHICLE BUYING SERVICE which saves you running around. Within an hour of us processing your enquiry you get contacted by a local new car dealer and they bring the vehicle to you for a test drive at a time of your convenience.

If you would like more information from our team please Contact us or Apply online now


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We can Finance asset Purchases for business including

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Stress-Free and Same-Day Tractor Financing

Asset Financing is an important part of our service, and when it comes to financing your next tractor there are a number of options open to you.


Before financing your tractor, there are a few questions you need to ask yourself. Are you financing for a specific job/contract, or will it be an ongoing asset that you expect to use for many years to come? Are you a sole trader or a company with specific equipment needs? The answers to these questions will help you decide on the best financing option for a new tractor.


We offer you some options for your consideration. Each option has its own advantages, though the method of financing your tractor will ultimately depend upon the outcome you require.

Renting vs Purchasing Tractors

Rented equipment does not appear on a balance sheet and does not affect your credit rating. It improves the return on assets and allows you to acquire the use of a tractor without capital outlay.

You may only need your tractor for a given period of time, making purchase impractical. Rental is a good option when the use of the asset is based on the duration of a job, but that duration is not specifically known. Rental paid for assets is tax deductible, meaning that you are able to offset the cost of the rental against your stated income.

Other benefits include: known costs for an unspecified period of time, your assets can be constantly upgradable to the latest technology (allowing you to operate at peak efficiency) and maintenance costs are borne by the rental company.

Leasing Tractors

Leasing allows you to know in advance exactly what your outlay will be and would be ideal if you need a tractor for a known period of time, without ownership being the required outcome. A benefit of leasing an asset such as a tractor is that it is tax deductible. Furthermore, budgets for a specific contract can blow out significantly when unexpected, such as incurring additional rental costs. A short-term lease will prevent the occurrence of similar adverse situations and the lease may be extended, modified or upgraded upon completion. Our staff would be more than happy to assist you in working out the best way to finance your tractor.

Chattel Mortgages

Chattel Mortgage should be considered if ownership is the desired outcome of financing your new or used tractor. This works in essentially the same way as a property mortgage, but the mortgage is over a movable asset i.e. your tractor. Ownership of the asset is conferred upon the owner once all payments are made, including the final payment. The Mortgage over the asset is removed and the Title of Asset is transferred to the owner, though ownership of the asset is implied throughout the term of the mortgage by the purchaser. This is currently the most common method of equipment financing in Australia.

Work Smarter with Chattel Mortgaging

Why choose Chattel Mortgage to finance your tractor? Whether you are a hobby farmer or a contractor with ongoing work that requires specific equipment, outright ownership of your asset may be the outcome you desire. Although other finance agreements such as Hire Purchase would share the same result, the latter is expensive and does not imply ownership at any point until the end of the contract period. There is an option to purchase the asset upon payment of a one-off figure. However, non-payment requires the tractor to be returned to the Hire Purchase Company upon completion of said contract.

Keeping Farms Alive Across Australia

Tractor Finance in Bendigo, Mildura, Shepparton, Swan Hill & other Australian cities

We offer additional options for Asset Finance and are here to offer you the best solution to your finance needs, whether you are operating as an individual, a company, or a dealer. We are committed to helping business owners and sole proprietors secure reliable and personalised tractor finance. At Yarra Finance we aim to provide a complete financing experience to our clients proudly covering prime movers, trucks (including Scania), and excavators. For more information about our approach to delivering exceptional tractor finance to clients in Bendigo, Mildura, Shepparton, Swan Hill and elsewhere throughout Australia, please call us on 03 9561 8876.

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Some of the lenders we are accredited with