Agricultural Equipment Financing
0% Down Available on All Brands
Axiant Partners finances New Holland tractors, combines, hay equipment, and sprayers — plus all other major ag brands. 0% down available for qualified borrowers. Terms 36–84 months.
- ✓ 0% down for qualified borrowers
- ✓ New and used New Holland equipment
- ✓ Seasonal deferred payment programs
- ✓ Startups and established operations
- ✓ Decision in 24–48 hours
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New Holland Equipment Financing — Complete Model Guide
T series tractors (30–620HP), CR/CX combines, H series hay equipment, and SP sprayers — with 2024 prices, CNH Industrial Capital terms, and independent lender options.
Key Facts: New Holland Equipment Financing
- Parent Company: CNH Industrial | HQ: London, UK (operational HQ)
- OEM Financing: CNH Industrial Capital (shared with Case IH and Steyr)
- Tractor Range: T1 series (30HP, $25K) to T9 series (620HP, $500K+)
- Combine Range: CX series ($250K–$380K) to CR series ($350K–$600K+)
- Hay Equipment: H series ($15K–$120K) — one of the largest hay lineups in the industry
- Sprayers: SP series self-propelled ($200K–$400K)
- Best Seller: T6 series mid-range tractors (145–175HP, $95K–$145K)
About New Holland Agriculture
New Holland Agriculture traces its roots to 1895 in New Holland, Pennsylvania, where Abe Zimmerman invented a grain thresher. Today the brand is owned by CNH Industrial — a $19 billion global capital goods company incorporated in the UK with manufacturing across North America, Europe, and South America. In the US, New Holland tractors are manufactured at Mountville, Pennsylvania (compact utility) and Burr Ridge, Illinois (specialty), while combines and large tractors are sourced from global CNH Industrial plants.
For equipment financing, New Holland enjoys strong lender recognition across all tractor and combine categories. CNH Industrial Capital (the shared financing arm for New Holland, Case IH, and Steyr) processes applications quickly through the dealer network. For large-ticket items like T9 tractors and CR combines, independent agricultural lenders and Farm Credit institutions often offer competitive rates that rival or beat CNH Industrial Capital's standard programs.
New Holland's hay equipment lineup is particularly notable — the H series is one of the most comprehensive hay and forage equipment lines in the industry, covering mower-conditioners, rakes, tedders, round balers, large square balers, and self-propelled windrowers. See also our hay equipment financing guide for brand comparisons.
New Holland T Series Tractor Financing — Compact to Full-Size
| Series | HP Range | New Price Range | Used Price (3–5 yr) | Best Application |
|---|---|---|---|---|
| T1 Series | 30–47HP | $25,000–$42,000 | $12,000–$22,000 | Hobby farms, small operations |
| T2 / Boomer Series | 24–47HP | $22,000–$38,000 | $10,000–$19,000 | Compact utility, lifestyle |
| T3 Series | 55–75HP | $38,000–$62,000 | $18,000–$32,000 | Small row-crop, orchards |
| T4 Series | 74–110HP | $55,000–$90,000 | $26,000–$46,000 | Mid-size farm, hay |
| T5 Series | 95–130HP | $72,000–$108,000 | $34,000–$55,000 | Versatile row-crop |
| T6 Series | 145–175HP | $95,000–$145,000 | $46,000–$74,000 | Best-seller — general farm |
| T7 Series | 165–270HP | $130,000–$220,000 | $63,000–$112,000 | Large row-crop, high output |
| T8 Series | 210–340HP | $200,000–$380,000 | $97,000–$194,000 | Large row-crop operations |
| T9 Series | 370–620HP | $350,000–$500,000+ | $170,000–$280,000 | High-acre row-crop, custom |
New Holland Combine Harvester Financing — CX and CR Series
| Series / Model | Engine HP | Threshing System | New Price | Used Price (3–6 yr) |
|---|---|---|---|---|
| CX7.90 | 340HP | Conventional | $250,000–$310,000 | $105,000–$165,000 |
| CX8.85 | 373HP | Conventional | $280,000–$345,000 | $120,000–$182,000 |
| CX8.90 | 405HP | Conventional | $310,000–$380,000 | $135,000–$200,000 |
| CR7.90 | 374HP | Twin Rotor | $350,000–$420,000 | $155,000–$220,000 |
| CR8.90 | 435HP | Twin Rotor | $390,000–$470,000 | $175,000–$245,000 |
| CR9.90 | 503HP | Twin Rotor | $440,000–$530,000 | $198,000–$278,000 |
| CR10.90 | 598HP | Twin Rotor | $510,000–$620,000+ | $230,000–$330,000 |
New Holland H Series Hay Equipment Financing
| Equipment Type | Model Examples | New Price Range | Notes |
|---|---|---|---|
| Disc Mower-Conditioner | H7460, H7560 | $15,000–$38,000 | Mounted and pull-type |
| Self-Propelled Windrower | H8080, H8060 | $120,000–$185,000 | Largest hay equipment investment |
| Rotor Rake / Merge Rake | H7460 Rake | $8,000–$22,000 | Pull-type and 3-pt hitch |
| Tedder | H7460 Tedder | $8,000–$18,000 | Rotary, 4–12 rotors |
| Roll-Belt Round Baler | RB450, RB560 | $25,000–$55,000 | Variable and fixed chamber |
| BigBaler Large Square | BB9060, BB1270 | $80,000–$120,000 | 3x3 and 4x3 bale sizes |
New Holland SP Series Sprayer Financing
New Holland's Guardian SP series self-propelled sprayers are built for high-acre row-crop operations. The Guardian SP240F front-boom sprayer ($200,000–$260,000) and the Guardian SP series rear-boom models ($220,000–$400,000) compete directly with John Deere's R series and AGCO Challenger/RoGator sprayers. CNH Industrial Capital finances sprayers alongside tractors and combines as a package, which can improve overall terms.
| Model | Tank Capacity | Boom Width | New Price | Notes |
|---|---|---|---|---|
| Guardian SP240F | 1,200 gal | 90–120 ft | $200,000–$260,000 | Front-boom design |
| Guardian SP275F | 1,600 gal | 90–132 ft | $240,000–$305,000 | High capacity |
| Guardian SP310F | 1,600 gal | 100–132 ft | $280,000–$355,000 | Premium model |
| Guardian SP400F | 1,600 gal | 120–132 ft | $330,000–$400,000 | Flagship sprayer |
New Holland vs John Deere vs AGCO — Financing Comparison
| Criterion | New Holland | John Deere | AGCO (Fendt/MF) |
|---|---|---|---|
| OEM Financing Arm | CNH Industrial Capital | John Deere Financial | AGCO Finance |
| Promotional 0% Programs | Seasonal — moderate | Strong — frequent promos | Moderate — brand varies |
| Tractor Price Range | $25K–$500K+ | $25K–$600K+ | $30K–$500K+ |
| Combine Range | $250K–$620K+ | $250K–$650K+ | $250K–$550K (Gleaner) |
| Lender Recognition | Excellent — all major lenders | Best in industry | Good — Fendt still emerging in US |
| 5-Year Resale (Tractors) | 45–55% | 48–58% | Fendt: 50–60% | MF: 40–50% |
| Hay Equipment Lineup | Industry-leading — full H series | Comprehensive | AGCO Hesston — strong |
| Down Payment (Typical) | 0–10% new, 10–20% used | 0–10% new, 10–15% used | 5–15% new, 15–20% used |
| Parts Availability | Excellent — large dealer network | Best in class | Good — improving |
| Best For | Diversified farms, hay operations | Row-crop, largest dealer network | Premium buyers, Fendt fans |
CNH Industrial Capital — Financing Programs for New Holland
CNH Industrial Capital (CNHI Capital) is the unified financing arm serving New Holland, Case IH, and Steyr equipment across North America. Applications are submitted through authorized New Holland dealers and are processed through the same underwriting pipeline as Case IH — meaning dealers with strong CNH relationships can sometimes help customers get better terms by bundling cross-brand purchases.
Standard CNH Industrial Capital loan terms for new equipment run 36–84 months. For large-ticket combines and high-horsepower tractors, 72–84 month terms are common to keep payments manageable. Promotional 0% financing programs are offered seasonally — often aligned with spring planting preparation (February–April) and fall harvest completion (October–December). These promotions typically require 680+ FICO and apply to new equipment only.
CNH Industrial Capital also offers harvest-time deferred payment programs — you can defer principal payments until after harvest, aligning loan obligations with crop revenue. This is particularly valuable for grain farmers who need equipment before the season but receive income primarily in fall. Independent agricultural lenders including Farm Credit institutions, AgDirect, and ENGS Commercial Finance all actively finance New Holland and often have lower rates than CNH Industrial Capital's standard programs for well-qualified borrowers.
New Holland Equipment Financing Options
| Financing Type | Provider | Best For | Typical Terms |
|---|---|---|---|
| OEM Loan | CNH Industrial Capital | New equipment, promos | 36–84 months, 0% promos available |
| OEM Lease | CNH Industrial Capital | Lower payments, newer tech | 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 | Online application, fast approval | 48–84 months competitive rates |
| Independent Lender | ENGS, Beacon Capital, Crest | Newer businesses, used equipment | 48–72 months, market rates |
| Section 179 / Bonus Depreciation | Any lender | Year-end tax planning | Full deduction up to $1.16M (2024) |
Ready to Finance New Holland Equipment?
Get matched with lenders who specialize in New Holland tractors, combines, and hay equipment — from compact T1 series to flagship CR10.90 combines.
Related Agricultural Equipment Financing Guides
New Holland competes with several major brands across different equipment categories. See our related guides:
- Agricultural Equipment Financing — Complete Overview
- John Deere Tractor Financing — All R, M, and Utility Series
- Kubota Tractor Financing — B through M Series
- Massey Ferguson Tractor Financing — MF 1700 to MF 9S
- Hay Equipment Financing — All Brands
Frequently Asked Questions — New Holland Equipment Financing
Who owns New Holland Agriculture?
New Holland Agriculture is a brand of CNH Industrial, a global capital goods company incorporated in the United Kingdom with operational headquarters in London. CNH Industrial also owns Case IH, Steyr tractors, and several other agricultural and construction equipment brands. CNH Industrial Capital serves as the unified financing arm for all CNH brands in North America.
What financing does CNH Industrial Capital offer for New Holland equipment?
CNH Industrial Capital provides loans (36–84 months), finance leases, and operating leases for new New Holland equipment through authorized dealers. Promotional programs include 0% financing on select models during seasonal campaigns. For established agricultural operations, CNH Industrial Capital offers harvest-time deferred payment programs that align loan payments with crop income timing. Used New Holland financing is also available for machines up to 10 years old through the CNH dealer network.
How does New Holland compare to John Deere for tractor financing?
Both brands are very lender-friendly. John Deere Financial typically offers stronger promotional financing (John Deere's captive program is one of the most aggressive in the industry). New Holland through CNH Industrial Capital is competitive but sometimes requires larger down payments on high-horsepower models. Independent lenders treat both brands favorably due to strong resale values. New Holland T7/T8 tractors typically hold 45–55% of new value after 5 years, comparable to John Deere 7R/8R residuals.
What is the best-selling New Holland tractor for financing?
The New Holland T6 series (145–175HP, $95,000–$145,000 new) is the best-selling mid-range tractor line. The T6.180 ($115,000–$135,000) is particularly popular for general row-crop and livestock farming. For large row-crop operations, the T8 series (210–340HP, $200,000–$380,000) dominates. Both series have strong used markets, making lender approval straightforward with well-established collateral values.
Can I finance New Holland combines and hay equipment together?
Yes — CNH Industrial Capital and most independent lenders will bundle multiple pieces of New Holland equipment into a single loan or lease. A package deal covering a CR combine and H series hay equipment on one application is common. Bundling can simplify paperwork and sometimes result in better overall terms. The combined collateral value of a full New Holland equipment package is often more attractive to lenders than individual pieces financed separately.
How do I finance a used New Holland CR combine?
Used New Holland CR combines ($90,000–$380,000 for 3–7 year old machines) are financed through CNH Industrial Capital (dealer purchases only), Farm Credit institutions, and independent lenders such as AgDirect, ENGS Commercial Finance, and Beacon Capital Group. Key factors: machine age (most lenders cap at 10–12 years), hours (under 2,000 separator hours is preferred), and condition. Expect 15–20% down on a used combine vs. 0–10% on new, and terms of 48–60 months rather than 72–84.