CNH Industrial Capital (CNH Capital): finance for Case IH, New Holland and Case equipment

If you run red Case IH tractors, blue New Holland headers or Case construction gear, there’s a good chance the finance quote on the dealer’s desk came from CNH Industrial Capital. In Australia the business now goes by CNH Capital, and it is one of the few equipment financiers that publishes its product settings in plain view: terms, minimums, fees and payment rules.

That transparency makes it easier to judge whether it fits your operation. This profile works through those published settings as at October 2026, taken from the lender’s own website, and then looks at who benefits, where it falls short, and the alternatives if it can’t help.

Where did CNH Capital come from?

The lender traces its local roots to 1979, when New Holland Credit combined with Case Credit. Today it sits inside CNH, the group behind Case IH, New Holland Agriculture, Case Construction and New Holland Construction. Globally, CNH Capital reports more than 550,000 customers and some 3,100 supporting dealers.

For an Australian borrower, the practical point is simpler. The finance company and the dealership are on the same side of the sale, so the finance is designed to help the machine move off the lot, and it is usually arranged at the dealer.

What are the three products, side by side?

	Loan and Goods Mortgage	Finance Lease	Operating Lease
Also known as	Chattel mortgage	Equipment lease with a residual	Rental agreement
Who owns it	You	CNH Capital	CNH Capital
Term	12 to 60 months	12 to 60 months	12 to 60 months
Minimum / maximum	$10k / no stated limit	$10k / no stated limit	$10k / no stated limit
Payments	In advance or arrears, at least every 12 months	Usually in advance, at least every 12 months	Usually in advance, at least every 12 months
End of term	Optional balloon	Pay the agreed residual plus GST to buy it	Return to the dealer
Published fees	$425 establishment, no monthly fees	$425 establishment, no monthly fees	$425 establishment, no monthly fees

All three carry a fixed underlying rate for the full term, according to the lender. The operating lease also comes in two versions: non-maintained, where you organise servicing yourself, and maintained, where scheduled servicing is built into one rental for the life of the lease.

The finance calculators on the lender’s own homepage cover agricultural equipment, trucks and commercial vehicles, and construction equipment, and offer monthly, quarterly, half-yearly or annual repayments.

If you’re unsure which structure suits your tax position, our explainers on the chattel mortgage and the operating lease are a good start. The comparison of finance lease vs operating lease shows who carries the residual value risk in each.

How can the “once every 12 months” rule help a farm business?

This is the detail most borrowers skim past, and it’s the most useful one. Because the lender only requires a payment at least every 12 months, the repayment calendar can be shaped around when your money arrives.

An illustrative example. A grain grower near Moree is replacing a Case IH header ahead of the winter crop harvest. Cash is tight through planting and spraying, then strong after deliveries in late spring. Instead of 60 monthly payments, the dealer quotes a five-year Loan and Goods Mortgage with one payment each December, timed after harvest receivals. The grower owns the header from day one and could recover the purchase GST as an input tax credit on the next BAS, depending on its accounting basis. The only lending fee listed on the product page is the $425 establishment fee, so the total cost in dollars is easy to compare against a bank quote.

The same logic works for contractors. A hay or silage contractor with income concentrated in spring might choose half-yearly payments. A civil business with quarterly progress claims might line repayments up with its own billing cycle. Our equipment finance calculator lets you test what different patterns mean for your cash flow.

Want an outside view on the dealer’s quote before you commit? Run it past our team. Asking has no effect on your credit score.

Who is CNH Capital best suited to?

• Farms already running Case IH or New Holland. One dealer handles machine, service and finance.
• Seasonal operators. Croppers, graziers, sugar cane growers and agricultural contractors whose income arrives in a few big lumps.
• Fleet managers who want to cycle equipment. The maintained operating lease suits businesses that would rather hand machines back every few years than deal with resale.
• Construction businesses buying Case or New Holland gear, such as backhoes, loaders and excavators.

It is less suited to borrowers who want one facility across several brands, who need funds for land, livestock or working capital, or whose credit history means a captive lender’s standard criteria are hard to meet. All applications are subject to the lender’s own credit criteria.

Questions worth asking the dealer

1. Adding up every instalment, how many dollars go out in total, counting the establishment fee and any balloon or residual?
2. If I choose annual payments, what happens to the total cost compared with monthly payments?
3. On an operating lease, what counts as excess wear, and what will I be charged for it at return?
4. If a season fails, does the lender have a process for varying payments?
5. Is a director’s guarantee required, and what security will be registered on the PPSR?

Where to go if CNH Capital can’t fund it

• The bank first, if you’re a strong borrower. Agribusiness banks are often the lowest-cost lenders for well-established farms, and a bank quote is a useful benchmark even if you end up using dealer finance.
• Other captive lenders. John Deere Financial and Cat Financial fund their own brands with comparable seasonal flexibility.
• Specialist equipment financiers. Independent asset finance lenders fund most makes, including private-sale machinery.
• Property-backed lending. If the issue is credit history or a recent loss, a loan secured by rural property can be assessed differently.
• Unlocking equity in gear you already own. A sale and leaseback can turn paid-off machinery into working capital.

Our guide to funding machinery purchases compares these side by side.

When the dealer’s lender isn’t the whole answer

CNH Capital’s published settings are genuinely farmer-friendly, and plenty of Case IH and New Holland buyers will finance there without a second thought. Where we help is everything around the edges: the declined application, the purchase from another brand, the working capital gap after a poor season, or the tax debt that makes a standard approval tricky.

Our enquiry form takes roughly a minute to complete. Filling it in won’t touch your credit history, and your information is kept in-house, never broadcast to dozens of lenders. A real person with equipment and rural lending experience reads it and rings you. Honest numbers on the form let us steer you to a workable option on the first call.

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