Apply for Farm Flexi and complete the online activation process once approved.

Each month, Farmlands emails you asking whether you’d like to use Farm Flexi to pay your Farmlands Account statement.

If you choose yes and have sufficient available funds on your Farm Flexi facility, Farmlands arranges payment automatically. You stay in control.

• Payment by Direct Debit is mandatory
• A valid email address is required
• Farm Flexi can only be used to repay the outstanding balance on your Farmlands Account
• A Farm Flexi account cannot be opened until online activation is completed after approval

*Interest rate subject to change. Minimum facility $2,000, maximum $500,000, subject to normal credit criteria. Fee: $13.45 monthly account fee, only applies when funds are drawn down. Terms and Conditions apply. Finance is provided by Finance Now Ltd.

• Farm machinery
• Irrigation systems
• Business vehicles
• Farm bikes

*Interest rates are subject to change at the discretion of Finance Now prior to the loan being established. Once in place, the rate is fixed for the loan duration. Security may be required depending on finance requirements - generally only over the asset being purchased. Finance Now credit criteria apply. Finance is provided by Finance Now Ltd.

When you open a Farmlands Account, you and Farmlands agree on a credit limit. It’s a revolving limit - not a monthly reset.

Because your account can carry both the previous month’s and current month’s transactions at the same time, we recommend setting your limit to cover at least six weeks of spending. That buffer keeps your account moving without interruption.

As you buy, your available balance reduces. When it hits zero, transactions will be declined until payment is made.

Think of it like a tank - once it’s empty, you fill up before you carry on.

Call us on 0800 200 600 or head into your local store to make a payment.

You can also load funds onto your account at any time - in-store, through internet banking, or via MyFarmlands. This is a straightforward way to top up your available balance without changing your credit limit.

You can apply for a permanent or temporary increase. Before you do, take a moment to consider what your farm genuinely needs - the right limit keeps your account useful without overextending.

To apply:

• Log in to MyFarmlands and apply through the credit limit function
• Or email us at ask@farmlands.co.nz

For any other credit limit questions, call 0800 200 600.

Your credit limit appears on your monthly statement. You can also log in to MyFarmlands to see your current balance and available credit any time.

In store: Pay by cash, EFTPOS, or credit card*. Your balance updates immediately.

Internet banking

• Search for Farmlands as a registered bill payee - select “Farmlands Co-operative Society Ltd”
• Use your Farmlands Account name (as it appears on your statement) as Payee Particulars
• Use your 9-digit Farmlands Account Number for both Payee Code and Reference

Allow 1–3 working days for your balance to update.

Via MyFarmlands: Make a one-off Visa or Mastercard payment. Allow 1–3 working days to update.

If you pay by direct debit: You can still make additional payments using the methods above - just do it before the 15th of the month. Payments made after the 15th won’t prevent the full statement amount from being deducted via direct debit.

You can choose to pay your previous statement balance (all purchases up to the end of the prior month) on the 20th of the month.

*A 2% surcharge applies on all Visa and Mastercard scheme credit and debit card payments.

We’re here to help - no judgement, no runaround.

Call us during business hours on 0800 200 600, or email ask@farmlands.co.nz.

The sooner you reach out, the more options we have.

Your account should work for your farm - not against it.

Managing your credit limit well means more predictable cashflow, fewer declined transactions, and a Farmlands Account that’s ready when you need it most.

Payments can be made any time of the month. Stay on top of it through MyFarmlands - your balance, your spend history, and your statement, in one place.