Kubota Australia Finance
Manufacturer financeAustralia
- What they fund
- Asset financeSecured loans
- Website
- kubota.com.au
- In a sentence
- Secured finance for Kubota machinery and implements bought through participating dealers.
Quick answer
Kubota Australia Finance is the trading name Kubota Australia Pty Ltd uses to offer secured equipment finance on new, demo and used Kubota equipment bought through participating dealers. As at October 2026 it lists business offers across tractors, excavators, generators and implements, and says it only finances what Kubota sells. Sampled business offers were limited to ABN holders using equipment mainly for business.
Key points
- Finances Kubota equipment only: its site says it finances "the equipment we sell"
- Business offers are listed by product line, from compact tractors and excavators to generators and implements
- Sampled promotional offers set a $4,000 minimum financed amount and a 20% minimum deposit, with terms from 36 to 72 months
- Business offers are for ABN holders using the equipment predominantly for business
- Offers are time limited and vary by model, so check the current offer page before relying on any figure
- Lender type
- Manufacturer (captive) finance
- Provider
- Kubota Australia Pty Ltd
- Finances
- Kubota equipment via participating dealers
- Sampled minimums
- $4,000 financed; 20% deposit
A new compact tractor or excavator is often bought at the dealership, and so is the finance. That is the pitch behind Kubota Australia Finance: sign for the machine and the loan in one visit, with the manufacturer’s own credit arm on the other side of the table. For the right buyer it is quick and tidy. For the wrong one it is a narrow door.
This profile covers what Kubota Australia Finance publishes as at October 2026, who it tends to suit, and what to do if it is not the answer.
What is Kubota Australia Finance?
It is a trading name of Kubota Australia Pty Ltd, not a separate bank. The company offers secured equipment finance on new, demo and used Kubota equipment purchased through participating dealerships. Its site is blunt about the limit: it finances only the equipment Kubota sells.
It also holds an Australian credit licence for consumer finance on personal-use purchases, which dealers handle. This profile is about the business side.
Business offers are listed by product line. The site lists categories including the Z, RTV, L, BX, B, GR and T series, the M-series and MX tractors, excavators, skid steers and track loaders, diesel generators and power packs, and Kubota and Land Pride implements. A separate set of business finance FAQs is linked from the site.
What terms does Kubota publish?
The finance pages are promotional, so the specifics sit inside time-limited offers rather than a standing rate card. Across the offer pages we reviewed (we don’t quote rates):
| Item | What the sampled offers showed |
|---|---|
| Minimum financed amount | $4,000 |
| Minimum deposit | 20% |
| Term | 36 to 72 months, depending on the model and offer |
| Repayments | Monthly |
| Who can use the business offer | ABN holders using the equipment predominantly for business |
Treat that as a guide to the shape of the product rather than an offer. Each page carries an expiry date and conditions, and terms differ between a compact tractor and a large excavator. Ask your dealer for the current terms in writing.
Who does it suit?
Manufacturer finance works best when you have already decided on the machine.
- Farmers, landscapers and small contractors buying a Kubota tractor, excavator or implement for the business.
- Buyers with a deposit. A 20% starting deposit in the sampled offers is a real consideration for a cash-tight business.
- Owners who value one point of contact for machine, service and finance.
It is less suited to buyers who haven’t settled on a brand, want to finance a mix of equipment in one facility, or need to borrow without a deposit. Our guide to funding machinery for your farm explains how to compare these routes, and farm finance covers how lenders view agricultural cash flow.
How does it compare to going through your bank?
If your bank will fund the machine at a good price, take the offer seriously. Banks are often the cheapest money when you fit their criteria, and they may let you bundle equipment with other facilities. Manufacturer offers can look attractive on the advertised terms, but they can also come with a smaller price break on the machine itself, so compare the total dollars paid across the term, not the monthly figure.
A useful test: get a quote for the same machine and the same deposit from two sources, then use the equipment finance calculator to compare total cost. Our comparison of chattel mortgage structures shows how ownership and tax treatment can differ.
Not sure which route fits? Tell us the machine and the budget and we’ll suggest what to compare.
What if Kubota Australia Finance says no?
A decline from a manufacturer usually relates to credit history, trading time, the size of deposit or existing debt. Options include:
- A bank or broker-arranged chattel mortgage on the same machine, sometimes with a different assessment.
- Equipment finance from a specialist lender that looks at the asset’s value as security.
- A larger deposit or a used machine, which reduces the amount to finance.
- A property-secured loan, if you have equity and need flexibility.
For a brand-agnostic option, see how John Deere Financial works for its own equipment, or Komatsu Finance for heavier machinery.
Ready to see what funding fits the machine?
Buying machinery is one of those moments where the finance details are easy to skim and expensive to get wrong. A short conversation can tell you whether the dealer’s offer is the best you can do.
Our enquiry takes about a minute and doesn’t touch your credit file. We won’t circulate your details to a crowd of lenders, and a real person reads it before calling you. Be accurate about the machine, the deposit and your trading history so the first options we suggest are the right ones.
Frequently asked questions
What does Kubota Australia Finance finance?
As at October 2026 its website says it offers secured equipment finance on new, demo and used Kubota equipment bought through participating Kubota dealerships. Business offers are listed for product lines including compact tractors, excavators, skid steers, generators and implements.
Can I use it for something that isn't a Kubota?
No. The website states that, unlike other finance providers, it only finances the equipment it sells. For other brands or a mixed fleet you would need a bank or an equipment financier.
Who can access its business offers?
The sampled business offers say they are available only to ABN holders who will use the equipment predominantly for business. Personal-use purchases are handled as consumer finance through the local dealer, under a separate credit licence.
What deposit and term apply?
Across the offer pages we reviewed, the minimum financed amount was $4,000, the minimum deposit was 20% and terms ranged from 36 to 72 months. Each offer is time limited and differs by model, so confirm the current terms with your dealer.
What if Kubota Australia Finance says no?
A bank, a broker-arranged chattel mortgage or equipment finance from a specialist lender may still fund the purchase. The reason for the decline usually points to which. We can look at it with you, with no credit check to enquire.