<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-WQNH8RJ" originalAttribute="src" originalPath="https://www.googletagmanager.com/ns.html?id=GTM-WQNH8RJ" height="0" width="0" style="display:none;visibility:hidden"></iframe> Operating Lease

Operating Lease

Access the latest agricultural machinery

How does it work?

You simply pay a hire rental to AGCO Finance, which allows you to use the equipment for the period specified in the contract hire agreement. Your supplying dealer may offer a separate contract to cover regular servicing and maintenance whilst you have it on hire.

Best for? 

Designed for corporate borrowers wanting to preserve working capital without the need for ownership and has the option of a service agreement included in the rental.


Machinery ownership remains with AGCO Finance.

Finance Amount?

100% purchase is mandatory^

Interest Rate?

Fixed for the term of the finance agreement.



Payment Schedule?

Tailored to your needs. Just like a AGCO Finance chattel mortgage, we are pleased to discuss the repayment profile that will best match your requirements.


12-66 Months

Balloon / Residual?

Mandatory and is an estimate of the value at the end of the term.

Generates Equity?



Included in each rental, customer claims on next BAS after each payment.

Can I claim full instalments as tax deductions?


Can I claim depreciation and interest as tax deductions?


What happens at the end of the hire period?

After the agreed term the equipment will normally be returned to the supplier and your commitment will end. At this stage you may want to discuss extending the hire period, buying the equipment or hiring something else. The choice is yours.

Is it more expensive?

Operating Lease payments are lower than chattel mortgage instalment payments or finance lease agreements for the same equipment, because at the end of the contract period (usually 2 to 5 years) the value of the equipment is recovered by AGCO Finance. This value is built-in at the start to provide lower rentals

What are the advantages?

When combined with a service contract it allows you to predict with more certainly your equipment running costs. All you need to pay for is the fuel, other day-to-day running costs, insurance and labour

"Giving you access to machinery when you need it most"

AGCO Finance Benefits

  • We are dedicated to agriculture; providing expert advice and professional service.
  • Flexible, tailored payment terms matched to your cash flow requirements.
  • Fast approval.
  • Competitive, fixed rates.
  • Easy one-shot documentation process.
  • Convenient one-stop financing at your local MF dealer.

Terms & Conditions

Full details of Finance terms and conditions will be made available upon application. Finance products are available to approved ABN holders for business purposes only. The details on this page do not constitute financial or tax advice and are for information purposes only without taking into account your individual objectives, financial situations or needs.  Neither AGCO Finance Pty Limited ACN 107 653 878 nor AGCO Finance Limited (company number 1530800) warrants the tax treatment in respect of any of the finance products offered by it.  To decide if a finance product is right for you, it is recommended that you seek the advice from a qualified advisor.