Agricultural Equipment Financing
Finance Case IH, New Holland & Steyr
Axiant Partners finances all CNH Industrial agricultural brands — Case IH, New Holland, and Steyr. 0% down for qualified borrowers. CNH Industrial Capital plus independent lender options. Terms 36–84 months.
- ✓ Case IH and New Holland — one application
- ✓ 0% down for qualified borrowers
- ✓ New and used equipment
- ✓ Seasonal deferred payment programs
- ✓ Decision in 24–48 hours
Get a Free Quote in 60 Seconds
CNH Industrial Equipment Financing — Case IH, New Holland & Steyr Guide
CNH Industrial Capital finances all three CNH ag brands through one program. Case IH Magnum/Steiger tractors ($120K–$500K+), New Holland T8/T9 ($140K–$500K+), Axial-Flow and CR combines ($250K–$600K+).
Key Facts: CNH Industrial Equipment Financing
- Parent Company: CNH Industrial | HQ: London, UK
- Ag Brands: Case IH, New Holland Agriculture, Steyr
- OEM Financing: CNH Industrial Capital (unified for all three brands)
- Case IH Tractors: Farmall ($25K) to Steiger 620 ($530K+)
- New Holland Tractors: Boomer ($22K) to T9.700 ($500K+)
- Combine Range: $250,000 (entry) to $620,000+ (flagship CR/Axial-Flow)
- US Manufacturing: Racine, WI (Case IH); Burlington, IA (NH combines)
About CNH Industrial
CNH Industrial (incorporated in the United Kingdom with global operational headquarters in London) is the world's second-largest agricultural and construction equipment company by revenue, behind only Deere & Company. The company was formed in 2013 through the merger of CNH Global (itself formed by the 1999 merger of Case Corporation and New Holland N.V.) with Fiat Industrial.
In agriculture, CNH Industrial operates three distinct brands: Case IH (targeting large-scale row-crop and high-acre operations), New Holland Agriculture (targeting diverse farming operations including hay, dairy, and specialty crops), and Steyr (a premium Austrian tractor brand popular in European markets with limited US presence). Each brand maintains its own dealer network and product identity, but all share CNH Industrial Capital as their financing arm.
The practical implication for US equipment buyers: whether you buy Case IH or New Holland, you're dealing with the same parent company, the same financing program, and — underneath the sheet metal — many shared components and platforms. CNH Industrial Capital's unified program means a dealer with strong CNH relationships can sometimes help buyers across both brands.
Case IH Tractor Financing — Farmall, Puma, Magnum, and Steiger Series
| Series | HP Range | New Price Range | Used Price (3–5 yr) | Notes |
|---|---|---|---|---|
| Farmall A/B Series | 40–130HP | $25,000–$75,000 | $12,000–$38,000 | Utility/livestock use |
| Farmall C Series | 100–140HP | $70,000–$100,000 | $34,000–$52,000 | Mid-range utility |
| Puma Series | 145–240HP | $100,000–$175,000 | $49,000–$91,000 | Row-crop workhorse |
| Magnum Series | 220–380HP | $120,000–$320,000 | $59,000–$166,000 | Best-seller large row-crop |
| Steiger Wheeled | 370–620HP | $280,000–$500,000+ | $138,000–$260,000 | 4WD articulated |
| Steiger Rowtrac | 370–620HP | $320,000–$530,000+ | $158,000–$276,000 | Tracked 4WD variant |
New Holland T Series Tractor Financing — T6 through T9
| Series | HP Range | New Price Range | Used Price (3–5 yr) | Notes |
|---|---|---|---|---|
| T5 Series | 95–130HP | $72,000–$108,000 | $35,000–$56,000 | Versatile utility |
| T6 Series | 145–175HP | $95,000–$145,000 | $46,000–$75,000 | Best-seller mid-range |
| T7 Series | 165–270HP | $130,000–$220,000 | $63,000–$114,000 | Large row-crop |
| T8 Series | 210–340HP | $140,000–$380,000 | $68,000–$198,000 | Best-seller large NH tractor |
| T9 Series (4WD) | 370–620HP | $350,000–$500,000+ | $172,000–$260,000 | Articulated 4WD flagship |
Case IH Axial-Flow and New Holland CR Combine Financing
| Brand / Model | Engine HP | Threshing System | New Price | Used Price (3–6 yr) |
|---|---|---|---|---|
| Case IH AF 7150 | 374HP | Axial-Flow rotary | $295,000–$370,000 | $128,000–$192,000 |
| Case IH AF 7250 | 435HP | Axial-Flow rotary | $340,000–$425,000 | $148,000–$221,000 |
| Case IH AF 8250 | 503HP | Axial-Flow rotary | $400,000–$490,000 | $174,000–$255,000 |
| Case IH AF 9250 | 598HP | Axial-Flow rotary | $480,000–$580,000 | $210,000–$302,000 |
| New Holland CR7.90 | 374HP | Twin Rotor | $350,000–$420,000 | $152,000–$218,000 |
| New Holland CR9.90 | 503HP | Twin Rotor | $440,000–$530,000 | $192,000–$276,000 |
| New Holland CR10.90 | 598HP | Twin Rotor | $510,000–$620,000+ | $222,000–$322,000 |
CNH Industrial vs John Deere vs AGCO — Financing Comparison
| Criterion | CNH Industrial | John Deere | AGCO |
|---|---|---|---|
| OEM Financing Arm | CNH Industrial Capital (all brands) | John Deere Financial | AGCO Finance |
| Brands Under One Program | Case IH + New Holland + Steyr | John Deere only | 5 brands |
| Promotional 0% Programs | Competitive — seasonal | Most frequent in industry | Moderate |
| US Market Share (Ag) | ~25% combined (Case IH + NH) | ~35% | ~15% |
| Independent Lender Pool | Excellent — all major lenders | Best | Good |
| High-HP Tractor Range | To 620HP (Steiger/T9) | To 620HP (9RX) | To 570HP (Challenger MT975) |
| 5-Year Resale (Tractors) | 45–55% | 48–58% | 40–60% (varies by brand) |
| Seasonal Deferral Programs | Yes — spring and harvest programs | Yes | Yes |
| Best For | Multi-brand flexibility, large row-crop | Any operation, most dealer access | Multi-brand portfolio |
CNH Industrial Capital — How the Program Works
CNH Industrial Capital (CNHIC) is the North American captive financing arm for Case IH, New Holland, and Steyr equipment. Applications are submitted through authorized dealers for either brand — a Case IH dealer and a New Holland dealer both connect to the same CNH Industrial Capital underwriting system. This creates an important operational flexibility: a buyer considering both a Case IH combine and a New Holland tractor can finance both through CNHIC, potentially on a single credit application.
CNHIC offers standard loans (36–84 months), finance leases, and operating leases. For large-ticket equipment — $300,000+ combines and high-HP tractors — 72–84 month terms are standard. Seasonal programs include spring planting deferral (purchase in February–April with principal deferred to November) and harvest completion programs. These align loan payments with the farm income cycle, reducing cash flow stress during the growing season.
Promotional 0% financing is offered on select models, typically aligned with model year changeovers and trade show seasons. These promotions require 680–700+ FICO and apply to new equipment purchased through the dealer network during the promotional window. Buyers who miss a 0% window can often negotiate dealer incentives that effectively reduce the purchase price, partially offsetting the higher standard rate.
CNH Industrial Equipment Financing Options
| Financing Type | Provider | Best For | Typical Terms |
|---|---|---|---|
| OEM Loan | CNH Industrial Capital | New equipment, 0% promos | 36–84 months, seasonal promos |
| OEM Lease | CNH Industrial Capital | Lower payments, tech upgrades | 36–60 month FMV lease |
| Farm Credit Loan | Farm Credit institutions | Established farms, best rates | 60–84 months, low fixed rates |
| AgDirect | Farm Credit Services of America | Fast online, competitive rates | 48–84 months |
| Independent Lender | ENGS, Beacon Capital, Crest | Used equipment, newer operations | 48–72 months |
| Section 179 / Bonus Depreciation | Any lender | Year-end tax planning | Full deduction up to $1.16M (2024) |
Ready to Finance CNH Industrial Equipment?
Get matched with lenders for Case IH Magnum/Steiger tractors, New Holland T8/T9, and Axial-Flow or CR combines across the full CNH portfolio.
Related Agricultural Equipment Financing Guides
- Agricultural Equipment Financing — Complete Overview
- New Holland Equipment Financing — T Series and CR Combines
- John Deere Tractor Financing
- Massey Ferguson Tractor Financing
- Kubota Tractor Financing
Frequently Asked Questions — CNH Industrial Equipment Financing
What brands does CNH Industrial own in agriculture?
CNH Industrial (incorporated in the UK, operational headquarters in London) owns Case IH, New Holland Agriculture, and Steyr in the agricultural sector. In construction equipment, CNH Industrial owns Case Construction and New Holland Construction. CNH Industrial Capital serves as the unified financing arm for all CNH brands in North America — meaning Case IH and New Holland buyers go through the same financing program, just different dealer networks.
What is the difference between Case IH and New Holland for financing?
Case IH and New Holland are sister brands under CNH Industrial and are financed through the same CNH Industrial Capital program. The key differences for buyers: Case IH is positioned more toward large-acre row-crop operations (Magnum, Steiger tractors; Axial-Flow combines), while New Holland covers more diverse operations including hay, dairy, and mixed farming. Financing terms from CNH Industrial Capital are essentially identical for both brands. The choice between Case IH and New Holland is an operational preference, not a financing preference.
What does CNH Industrial Capital offer for equipment financing?
CNH Industrial Capital provides standard equipment loans (36–84 months), finance leases, and operating leases for new Case IH and New Holland equipment through the authorized dealer networks. Seasonal programs include spring planting deferral (purchase in March–April, first payment deferred to October–November) and harvest completion programs. Promotional 0% financing is offered periodically on select models. CNH Industrial Capital requires 660+ FICO for standard programs and 700+ FICO for promotional 0% programs.
What is the largest Case IH tractor and its financing terms?
The Case IH Steiger AFS Connect 620 is the largest Case IH tractor at 620HP. New price runs $460,000–$530,000+. Financing through CNH Industrial Capital typically requires 10–20% down for machines in this price range, with 72–84 month terms available. Monthly payments on a $500,000 Steiger at 7% for 84 months run approximately $7,400/month. Farm Credit institutions and AgDirect are competitive alternative lenders for high-HP tractors of this magnitude.
Can I finance Case IH and New Holland equipment on one application?
Yes — because both brands use CNH Industrial Capital, a farm that operates both Case IH and New Holland equipment can finance new purchases from both brands through a single CNH Industrial Capital relationship at the dealer level. A practical example: a buyer adding a Case IH Axial-Flow combine and a New Holland T8 tractor in the same season can work with a CNH dealer to bundle both applications through CNH Industrial Capital.
How does CNH Industrial compare to John Deere for ag equipment financing?
John Deere Financial holds a slight edge over CNH Industrial Capital in promotional financing frequency and independent lender familiarity (John Deere is the #1 brand in US agriculture by market share). CNH Industrial Capital is a strong competitor with comparable rates and terms. The multi-brand CNH advantage means buyers can finance Case IH or New Holland — whichever brand fits their operation — through the same captive program. Independent lenders treat both John Deere and CNH brands as top-tier collateral with similar risk profiles.