Term Loans

We can help by providing term loan facilities from $5000 right up to $500,000, depending on your requirements and circumstances.

You may require funding for:

  • Farm machinery
  • Irrigation systems
  • Capital livestock
  • Personal vehicles
  • Motor boat
  • Farm bikes



Term Loan structure

We have the flexibility to help you schedule the repayments around your requirements, with payment plans ranging from three to 36 months. There is also the option of fortnightly or monthly repayments and, in certain circumstances, interest-only payments with a lump sum principal repayment. 

Shareholders currently receive competitive interest rates of 13% secured, or 15% unsecured, with a low establishment fee of 0.5% (minimum of $150) of the loan amount. Once you have put your Term Loan in place, the interest rate is guaranteed for the duration of the loan.

Note: Interest rates on offer are subject to change at the discretion of Farmlands Finance.  Depending on your finance requirements security may be required. This will generally only be over the asset you are purchasing. Famlands Finance credit criteria will apply.

To see how easy it is check out our Term Loan calculator.


Apply now

Download an application form or contact one of the Farmlands Finance team if you have any further questions or to discuss which term loan option is best for you. Free phone 0800 200 600 or email loan@farmlands.co.nz      

Additional information