Consumer Finance

Costs of Borrowing

Credit Fees

Establishment Fee - $395.00

Default Fees & Charges

Dishonoured Repayment Fee - $10.00

Default interest is 6% above the annual rate of interest listed below. Default interest is only charged on the overdue amount until you are no longer in default.

If you are in default and we enforce the contract, you may need to pay our reasonable costs and expenses in enforcing, attempting to enforce or taking any action under the contract after a default.

Annual Rates of Interest

The current cap rate is 9.25% p.a.*

The above base rate is listed for disclosure purposes. Items that may affect your interest rate include marketing programs and dealer subsidies. We reserve the right to change the base rate at any time with notification. However, once settled, your interest rate will be fixed for the term of the loan.

Standard Terms and Conditions

Standard Terms and Conditions

Informed Decision Guide

If you are facing hardship

If you are facing hardship

If you are facing hardship, get in touch with John Deere Financial immediately. We will discuss the matter and see if we can come to some arrangement.

 

If you are unable reasonably, to keep up your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to us for a hardship variation.

 

To apply for a hardship variation, you need to:

  • make an application in writing; and
  • explain your reason(s) for the application; and
  • request one of the following:
    • an extension of the term of the contract (which will reduce the amount of each payment due under the contract); or
    • a postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or
    • both of the above; and
  • give the application to us as soon as possible, so that we have enough time to consider your application.

Dispute Resolution

Dispute Resolution

If you are facing hardship, get in touch with John Deere Financial immediately. We will discuss the matter and see if we can come to some arrangement.

 

If you are unable reasonably, to keep up your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to us for a hardship variation.

 

To apply for a hardship variation, you need to:

  • make an application in writing; and
  • explain your reason(s) for the application; and
  • request one of the following:
    • an extension of the term of the contract (which will reduce the amount of each payment due under the contract); or
    • a postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); or
    • both of the above; and
  • give the application to us as soon as possible, so that we have enough time to consider your application.

*Interest rate applicable to new loans approved on or after 1st October 2018