Compare Livestock Finance Options in NZ

Side-by-side comparison of NZ livestock finance options. See rates, LVRs, terms, and fees for cattle and sheep loans. Find your best-fit facility.

Lender Facility Range LVR Rate Range Fees Term Security Action
🏦
Heartland Bank
Livestock Finance Facility
 $50k - $5M 70-80%
8.5% - 12.5%
Variable
 $2,500 + $50/month 12-36 months Stock + GSA Apply Now
🐄
StockCo
Trading Stock Finance
 $100k - $10M 75-85%
7.5% - 11.5%
Variable
 $3,000 + $75/month 6-24 months Stock only Apply Now
🌾
Rural Direct Lending
Livestock Advance
 $25k - $2M 65-75%
9.0% - 13.0%
Fixed/Variable
 $1,500 + $40/month 12-48 months Stock + Property Apply Now
🚜
Carrfields Finance
Stock Purchase Finance
 $75k - $3M 70-80%
8.0% - 12.0%
Variable
 $2,000 + $60/month 6-36 months Stock + GSA Apply Now
🏦

Heartland Bank

Livestock Finance Facility

Facility: $50k - $5M
LVR: 70-80%
Rates: 8.5% - 12.5%
Term: 12-36 months

Pros

  • ✓ Fast approval
  • ✓ Flexible terms
  • ✓ No early repayment fees

Cons

  • × Higher rates for new clients
  • × Requires GSA
Apply Now Full Review
🐄

StockCo

Trading Stock Finance

Facility: $100k - $10M
LVR: 75-85%
Rates: 7.5% - 11.5%
Term: 6-24 months

Pros

  • ✓ Stock-only security
  • ✓ Competitive rates
  • ✓ Seasonal flexibility

Cons

  • × Higher minimum
  • × Limited to established farmers
Apply Now Full Review
🌾

Rural Direct Lending

Livestock Advance

Facility: $25k - $2M
LVR: 65-75%
Rates: 9.0% - 13.0%
Term: 12-48 months

Pros

  • ✓ Lower minimum
  • ✓ Fixed rate options
  • ✓ Property security accepted

Cons

  • × Lower LVR
  • × Requires property security
Apply Now Full Review
🚜

Carrfields Finance

Stock Purchase Finance

Facility: $75k - $3M
LVR: 70-80%
Rates: 8.0% - 12.0%
Term: 6-36 months

Pros

  • ✓ Relationship pricing
  • ✓ Quick decisions
  • ✓ Rural expertise

Cons

  • × Existing client preference
  • × Limited availability
Apply Now Full Review

Which Option is Best for Me?

🐄 New to Livestock Finance

First-time borrowers or those with limited livestock finance experience.

Consider: Rural Direct Lending - Lower minimums and more flexible eligibility.

🏦 Established Farmers

Experienced farmers with strong financials and trading history.

Consider: StockCo - Best rates and stock-only security options.

⚡ Need Fast Approval

Time-sensitive purchases requiring quick decision and settlement.

Consider: Heartland Bank - Fastest approval process in the market.

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