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.
How we work: LivestockFinance.co.nz is a comparison and referral service operated by Evolve
Group Limited (FSP711891). When you submit an enquiry, we currently refer you to Heartland Bank
and StockCo (part of the Heartland group). The other lenders below are included for general
market comparison — we don't submit your application to them, and you're welcome to approach them directly.
Indicative guidance only. We do not publish live rates or fees for individual lenders.
Interest rates, fees, LVRs and terms vary by lender, stock type, security and borrower profile, change
frequently, and are set by each lender at application. As a general market guide, livestock finance in
NZ has recently sat in the region of ~8.5%–11.5% p.a., but this is not a quote and not attributed to any
lender above. Nothing here is a credit offer or personal financial advice — confirm all figures directly
with the lender before deciding.
| Lender | Facility Range | LVR | Rate Range | Fees | Term | Security | Action |
|---|---|---|---|---|---|---|---|
 Heartland Bank Rural & livestock lending | Indicative: mid-6-figure to multi-million facilities | Typically up to ~80% (varies) | On application Variable | On application | Term facilities (varies) | Stock and/or general security | Apply Now |
 StockCo Trading stock finance | Indicative: from ~$100k (varies) | Structured against stock (varies) | On application Variable | On application | Revolving / seasonal (varies) | Trading stock | Apply Now |
 Rabobank Agribusiness & rural lending | Indicative: farm-scale facilities (varies) | Assessed on the whole farm business | On application Fixed / Variable | On application | Term facilities (varies) | Rural security (varies) | Apply Now |
 Carrfields Finance Stock & rural finance | Indicative: varies by facility | Varies | On application Variable | On application | Varies | Stock and/or general security | Apply Now |
Heartland Bank
Rural & livestock lending
Facility: Indicative: mid-6-figure to multi-million facilities
LVR: Typically up to ~80% (varies)
Rates: On application
Term: Term facilities (varies)
Features
- ✓ NZX-listed registered bank
- ✓ Established rural lending arm
- ✓ Nationwide
Good to know
- • Security and eligibility criteria apply
- • All facilities subject to credit approval
StockCo
Trading stock finance
Facility: Indicative: from ~$100k (varies)
LVR: Structured against stock (varies)
Rates: On application
Term: Revolving / seasonal (varies)
Features
- ✓ Livestock finance specialist
- ✓ Revolving facility structure
- ✓ Seasonal drawdown/repayment
Good to know
- • Typically suited to established trading operations
- • All facilities subject to credit approval
Rabobank
Agribusiness & rural lending
Facility: Indicative: farm-scale facilities (varies)
LVR: Assessed on the whole farm business
Rates: On application
Term: Term facilities (varies)
Features
- ✓ Specialist food & agribusiness bank
- ✓ Whole-of-business relationship lending
- ✓ Rural sector focus
Good to know
- • Relationship-based assessment
- • All facilities subject to credit approval
Carrfields Finance
Stock & rural finance
Facility: Indicative: varies by facility
LVR: Varies
Rates: On application
Term: Varies
Features
- ✓ Rural services & finance provider
- ✓ Livestock sector experience
Good to know
- • Eligibility criteria apply
- • All facilities subject to credit approval
Which Option is Best for Me?
🐄 Whole-of-business borrowers
Farmers wanting finance assessed across the whole farm operation.
Consider a relationship rural bank such as Rabobank or Heartland Bank.
🔄 Trading & finishing operations
Farmers who buy, fatten and sell stock and want a revolving facility.
Consider a trading-stock specialist such as StockCo.
🤝 Existing rural relationships
Farmers with an established rural-services relationship.
Consider a rural-services financier such as Carrfields Finance.
Ready to Compare Your Options?
Submit one enquiry and we'll refer you to a suitable lender to discuss your options.
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