Last updated: 8 December 2025 – all tractor finance rates, tax rules & primary production benefits verified this week
Written & reviewed by the Ding Financial agricultural finance team – Australian Credit Licence 222640
25+ years specialist experience financing tractors, farm equipment & rural machinery for NSW primary producers
⚠️ Important Disclaimer
All information on this page is general in nature and does not constitute personal financial, taxation, or agricultural business advice.
Rates, approval times, and eligibility are indicative only and vary based on individual circumstances, credit profile, tractor type/age/hours, farm equity, seasonal income patterns, drought conditions, and lender criteria.
There are no guarantees on interest rates, approval speed, or funding timelines.
Tax benefits (including the $20,000 instant asset write-off, primary production deductions, and depreciation for farm equipment) depend on your specific situation, business structure, and current ATO rules.
Please contact Ding Financial, your accountant, tax advisor, or agricultural business consultant before making any decisions.
Tractor Finance NSW – Farm Tractors, Compact & Utility
Finance all tractor types for NSW farms, rural contractors, and agricultural businesses. Compact tractors (25-50HP), utility tractors (50-100HP), row crop tractors (100-200HP), and high-horsepower machinery (200-400HP+).
Compare 25+ specialist agricultural lenders, understand the $20k instant write-off, navigate seasonal cashflow strategies, and get expert indicative quotes from Ding Financial (ACL 222640).
Trusted by 250+ NSW farmers, graziers, and rural contractors across Hunter Valley, Central West, Riverina, Northern Tablelands, and Southern Highlands.
📞 Speak to an agricultural finance specialist: 1300 DING FIN
Important Tax & Financial Disclaimer
General Information Only: The information provided on this page is for general guidance purposes only and should not be considered as professional tax, legal, or financial advice.
Seek Professional Advice: You must seek professional advice from a qualified accountant, tax advisor, or financial planner regarding your individual tax circumstances, strategies, and current regulations before making any financial decisions.
ATO Requirements: For official information about tax deductions, instant asset write-offs, depreciation schedules, and current ATO requirements, always cross-reference with the Australian Taxation Office website:
Tax laws and regulations are subject to change. Always verify current requirements with the ATO and consult with professional advisors before making equipment finance decisions.
NSW Tractor Types & Indicative Finance Pricing – Expert Agricultural Guide
Comprehensive guide covering all tractor categories used in NSW primary production, horticulture, viticulture, and rural contracting. Pricing verified December 2025 with major NSW dealers (John Deere, Case IH, Kubota, New Holland, Massey Ferguson).
Compact Tractors (25-50 HP)
Small farms, horticulture, lifestyle properties
Horsepower Range:
25-50 HP (typical: 30HP, 35HP, 40HP, 50HP models)
New Pricing:
- • 25-30 HP: $35,000-$50,000
- • 35-40 HP: $45,000-$65,000
- • 45-50 HP: $55,000-$75,000
- • With loader: Add $8,000-$15,000
Used Pricing (3-8 years):
- • 25-30 HP: $18,000-$32,000
- • 35-40 HP: $28,000-$45,000
- • 45-50 HP: $38,000-$55,000
Indicative Finance Rates:
7.5–10.0% p.a.*
New: 7.5-9.0% | Used: 9.0-10.0% | Strong primary production income
✅ Best For:
- • Small farms (5-50 acres)
- • Horticulture operations
- • Vineyard management
- • Lifestyle properties with commercial use
- • Groundskeeping contractors
Popular Brands in NSW:
Kubota (B/BX series), John Deere (1/2 series), New Holland Boomer, Massey Ferguson GC series
💡 $20k Instant Write-Off Opportunity:
Many compact tractors under $20k ex-GST (used models, or new entry-level). If under $20k threshold, may qualify for instant asset write-off. Consult your accountant and verify at ato.gov.au.
Utility Tractors (50-100 HP)
Mid-size farms, mixed operations
Horsepower Range:
50-100 HP (typical: 60HP, 75HP, 85HP, 100HP models)
New Pricing:
- • 50-65 HP: $65,000-$95,000
- • 70-85 HP: $85,000-$120,000
- • 90-100 HP: $110,000-$150,000
- • With loader + 4WD: Add $15,000-$25,000
Used Pricing (3-10 years):
- • 50-65 HP: $42,000-$68,000
- • 70-85 HP: $58,000-$85,000
- • 90-100 HP: $75,000-$110,000
Indicative Finance Rates:
6.5–9.0% p.a.*
New: 6.5-8.0% | Used: 8.0-9.0% | Primary producer rates
✅ Best For:
- • Mixed farming (50-300 acres)
- • Grazing operations
- • Hay production
- • Rural contracting (slashing, fencing)
- • Orchard management
Popular Brands in NSW:
John Deere (5/6 series), Case IH Farmall, New Holland T4/T5, Kubota M series, Massey Ferguson 5700
💰 Seasonal Payment Options:
Many lenders offer deferred payments for primary producers (pay during harvest/income seasons). Example: 0% for 6 months, then regular payments. Speak to Ding Financial about agricultural cashflow structures.
Row Crop Tractors (100-200 HP)
Broadacre cropping, large-scale operations
Horsepower Range:
100-200 HP (typical: 120HP, 150HP, 180HP, 200HP models)
New Pricing:
- • 100-125 HP: $150,000-$220,000
- • 130-160 HP: $220,000-$320,000
- • 170-200 HP: $320,000-$450,000
- • With precision ag tech: Add $30,000-$80,000
Used Pricing (3-12 years):
- • 100-125 HP: $95,000-$150,000
- • 130-160 HP: $145,000-$230,000
- • 170-200 HP: $220,000-$350,000
Indicative Finance Rates:
6.5–8.5% p.a.*
New: 6.5-7.5% | Used: 7.5-8.5% | Strong cropping income required
✅ Best For:
- • Broadacre cropping (300+ acres)
- • Wheat, barley, canola operations
- • Cotton farming (Riverina, Namoi Valley)
- • Large-scale hay/silage
- • Agricultural contracting
Popular Brands in NSW:
John Deere (7/8 series), Case IH Puma/Maxxum, New Holland T6/T7, Massey Ferguson 7700/8700
🌾 Primary Production Tax Benefits:
Row crop tractors typically depreciate over 8-12 years for tax purposes (ATO guidelines). Precision ag technology may qualify for accelerated depreciation. Farm Management Deposits (FMD) can optimize cashflow. Consult your agricultural accountant for strategies.
High-HP Tractors (200-400 HP+)
Large-scale cropping, specialized operations
Horsepower Range:
200-400+ HP (typical: 220HP, 280HP, 350HP, 400HP+ models)
New Pricing:
- • 200-250 HP: $450,000-$650,000
- • 260-320 HP: $650,000-$950,000
- • 350-400+ HP: $950,000-$1.5M+
- • With tracks/precision tech: Add $80,000-$200,000
Used Pricing (3-12 years):
- • 200-250 HP: $320,000-$480,000
- • 260-320 HP: $480,000-$720,000
- • 350-400+ HP: $720,000-$1.1M
Indicative Finance Rates:
6.5–8.0% p.a.*
New: 6.5-7.0% | Used: 7.0-8.0% | Excellent farm equity required
✅ Best For:
- • Large-scale cropping (1,000+ acres)
- • Cotton operations (tracked models)
- • Specialized farming (controlled traffic)
- • Agricultural contractors
- • Corporate farming operations
Popular Brands in NSW:
John Deere (9 series), Case IH Quadtrac/Steiger, New Holland T9, Fendt 1000 series
⚠️ Financing Considerations:
- • Requires strong farm equity (typically 40-50% deposit or land security)
- • Detailed farm financial statements required (3+ years)
- • Seasonal income smoothing strategies essential
- • Some lenders require crop insurance/drought mitigation plans
Ding Financial Agricultural Finance Expertise
*Indicative rates only. Actual rates vary based on credit profile, tractor age/hours, farm equity, seasonal income patterns, drought conditions, property value, deposit amount, and lender criteria.
Ding Financial has 25+ years experience financing tractors and farm equipment for NSW primary producers. We understand agricultural finance requirements including seasonal cashflow strategies, primary production tax benefits, Farm Management Deposits (FMD), drought assistance programs, and land security options.
Our team works with specialist agricultural lenders who understand farming cycles, seasonal income variability, and regional NSW conditions. Contact us for personalized quotes across all tractor types and brands.
Official ATO $20,000 Instant Asset Write-Off
Based on official Australian Taxation Office guidance - current for 2024-26 financial years
$20,000 Instant Asset Write-Off
Official ATO instant asset write-off for eligible tractors and agricultural equipment
Eligibility Requirements
- •Business aggregated turnover less than $10 million
- •Asset cost less than $20,000 (ex GST if registered)
- •First used or installed ready for use 1 July 2024 – 30 June 2025 (law) | 1 July 2025 – 30 June 2026 (announced)*
- •Using simplified depreciation rules
- •Both new and second-hand assets qualify
How It Works
- •Per-asset basis: Write off multiple assets under $20k each
- •Immediate deduction: Claim full business portion in year of purchase
- •GST treatment: Exclude GST if registered, include if not
- •Business use only: Only claim business portion (not private use)
Assets $20,000 or More
If your asset costs $20,000 or more, it goes into the small business simplified depreciation pool:
- • 15% deduction in the first year
- • 30% deduction each subsequent year
- • If pool balance falls below $20,000, write off the entire balance
Important Exclusions & Limits
Passenger vehicles limited to $69,674 for depreciation purposes (excludes motorcycles and disability-modified vehicles)
- • Assets leased out (>50% of time)
- • R&D assets (special rules apply)
- • Capital works & buildings
- • Horticultural plants
Practical Example
Purchase: Computer for $6,800 (80% business use)
Instant Write-Off: $5,440 (80% of $6,800) in the year of purchase
Total cost ($6,800) is below $20,000 threshold ✓
Business can claim $5,440 deduction immediately, not spread over multiple years
* Legislative Status: The $20,000 instant asset write-off for 2024-25 (1 July 2024 to 30 June 2025) is confirmed law. The extension for 2025-26 (1 July 2025 to 30 June 2026) has been announced by the government but is not yet legislated. While the government has committed to this extension, it requires parliamentary passage before becoming law.
Important: This information is based on ATO guidance current as of December 2024. Tax laws change regularly. Consult a registered tax agent or accountant to ensure your specific situation qualifies for the instant asset write-off. Record keeping requirements apply.
Contact Ding Financial for Expert Agricultural Finance Assessment – No Obligation
Trusted by 250+ NSW farmers and rural contractors. 25+ years specialist agricultural finance experience. Compare 25+ lenders. Seasonal payment options available.
Australian Credit Licence 222640 | 25+ years agricultural finance experience | Trusted by 250+ NSW farmers