John Deere Financial has recently introduced a new SMS messaging feature to keep in contact with our customers. If you have any questions, please call us on 0800 445 648.

Important Information

Credit Reporting Policy

Credit Reporting Policy — Australia & New Zealand

This policy sets out the approach adopted by the John Deere Group in Australia and New Zealand, in particular John Deere Financial which provides the majority of credit arrangements in Australia and New Zealand, and also John Deere Limited, for the collection, handling, use and disclosure of your consumer credit-related information, including information about your credit applications and credit facilities with us and the credit reporting information about you that we obtain from credit reporting bodies (CRBs).

The purpose of this Credit Reporting Policy is to tell you how we manage "credit information" (which refers to information related primarily to you or your credit-related dealings with us which we may disclose to CRBs, such as information that identifies you and about your application for credit and your credit facility and status) and "credit eligibility information" (which refers to information related primarily to your credit-related dealings with other credit providers and comprises of "credit reporting information" disclosed by CRB's to us and information we derive from that). For the purposes of this policy, "credit-related information" includes credit information, credit eligibility information and any other information subject to the Australian Privacy Act 1988 (Cth), the Australian Credit Reporting Code 2004 and the New Zealand Privacy Act 2020, to the extent such information concerns commercial credit ("Applicable Law").

This Credit Reporting Policy applies to current and former credit customers and other individuals we deal with in relation to whom we hold credit information or credit eligibility information no matter how they interact with us (e.g., on-line, in person or over the phone).

For information about John Deere's management of your other personal information, which may include commercial credit-related information, please see the Global Enterprise Privacy Statement available by visiting Privacy & Data | John Deere NZ.

Notifiable Matters

This Credit Reporting Policy summarises what credit-related information we collect and how we use, disclose and manage your credit-related information. This Credit Reporting Policy should be considered in full, however you should be aware of the following key notifiable matters regarding the way we may use credit-related information about you:

  • we may disclose credit-related information to CRBs for the purposes specified within. Those CRBs may then use that information to create credit reporting information that may be included in reports provided to third party credit providers other than John Deere to assist them to assess your credit worthiness;
  • if you fail to meet your payment obligations under a credit arrangement with John Deere or commit a serious credit infringement (such as engaging in, or attempting to engage in fraud in connection with your credit arrangement with us or if you have abandoned your credit arrangement with us with the intention to no longer comply with your obligations thereunder), we may be entitled to disclose these breaches to CRBs which can affect your future credit worthiness;
  • you have rights to access and (in certain circumstances) correct the credit-related information that we hold about you. Further information regarding these rights is set out in the 'Access to and correction of personal information' section below; and
  • you may request that a CRB not use your credit reporting information for the purposes of pre-screening direct marketing activities by John Deere or that a CRB not use or disclose credit reporting information about you when you believe you have been or are likely to have been a victim of fraud. We generally partner with Equifax Pty Ltd as a CRB for the purposes of John Deere credit arrangements. You may exercise these rights by visiting Equifax's website and reviewing their credit policy.

You will be provided information about these notifiable matters and this Credit Reporting Policy when you enter into a credit arrangement with us.

Credit-related information John Deere usually collects and how it is collected

John Deere collects, holds and discloses various types of credit information and credit eligibility information, including:

  • identification information such as your name and addresses, date of birth, occupation, name of your employer and your driver's licence number;
  • that you have applied for consumer or commercial credit, the type and amount of that credit and the fact we have accessed your consumer credit information to assess a relevant application;
  • that we have been a provider of credit to you and the type of account, the date the account was opened and closed and maximum amount of credit that we have provided or will provide;
  • the date that any credit contract we have or had with you was entered into and the date that it is terminated or ceases;
  • your repayment history, i.e., whether or not you made any payment that was due in a particular month, and where a payment was overdue, when it was ultimately paid;
  • default information about you, i.e., information about a payment owed by you as a borrower or guarantor in connection with consumer credit that remains overdue for more than 60 days and which we can disclose to a credit reporting body if certain requirements under Applicable Law are met;
  • payment information about some of your overdue payments, e.g., a statement that an overdue payment in relation to which default information was provided to a credit reporting body has been paid;
  • an opinion we have on reasonable grounds that you have committed a serious credit infringement in relation to consumer credit that we have provided to you;
  • whether you have entered into arrangements with us in connection with credit provided to you, including any financial hardship arrangement;
  • court proceedings information, personal insolvency information and credit-related publicly available information; and
  • other information relating to your credit worthiness which is derived by us or by CRBs wholly or partly on the basis of the information above.

This information may be collected in a number of ways, such as obtaining it directly from you or from persons acting on your behalf (including on application forms or other forms or in our ongoing dealings with you in connection with credit). Some information (i.e., credit reporting information) will be obtained from CRBs.  Some of this information will also be derived by us from your usage and (where applicable) repayment of any account held with us.

Purposes for which John Deere may collect, hold, use and disclose your credit-related information

John Deere may collect, hold, use and disclose your credit information and credit eligibility information as reasonably necessary for its business purposes and as permitted by Applicable Law. These purposes include:

  • to assess an application by you, or an entity associated with you, for credit (including assessing any proposed guarantors);
  • to manage credit, we may provide (including servicing and administration of our accounts and products or updating CRBs regarding credit arrangements that you have with us, including financial hardship arrangements);
  • to participate in the credit reporting system and providing information to CRBs as permitted by Applicable Law;
  • for internal management purposes;
  • to undertake securitisation activities;
  • to assist you if we consider that you may be at risk of defaulting on your credit-related obligations;
  • to undertake debt recovery and enforcement activities, including in relation to guarantors, and to deal with serious credit infringements;
  • to meet our legal and regulatory requirements (such as reporting matters to regulators or enforcement bodies when authorised or required by law);
  • to deal with complaints and legal proceedings;
  • to derive scores, ratings and other information relating to your credit worthiness which are used in our decision-making processes; and
  • to assist other credit providers to do the same.

Some credit information and credit eligibility information may only be used or disclosed under Applicable Law for some of these purposes or in certain circumstances, including in some circumstances where we have your consent. We comply with all of our obligations under Applicable Law when disclosing your credit-related information.

Exchanges of information about you with credit reporting bodies

John Deere may obtain credit reporting information about you from CRBs. We may also disclose your credit information to CRBs for purposes such as those described above where Applicable Law permits us to do so.  Those CRBs may include credit information provided by us in reports that they provide to other credit providers to assist them to assess your credit worthiness.

For example, we will provide information that identifies you and about your application for credit when obtaining credit reporting information for the purposes of assessing that application.

Should you fail to meet your payment obligations to us or commit a serious credit infringement in relation to credit provided by us, we may be entitled to disclose this information to CRBs.

We share your credit information with the following CRB:

Equifax Pty Ltd ("Equifax")
Website: (in Australia) or (in New Zealand)
Postal address: PO Box 964, North Sydney, NSW 2059

Equifax has a policy which sets out its management of credit reporting information. To access this, please visit their website and follow the "Privacy" links, or you can contact Equifax directly for further information.

You have the right to request that Equifax exclude your credit reporting information from pre-screening for direct marketing offers by us, which we may request Equifax to perform. You should contact Equifax directly if you wish to request this.

You also have the right to request that Equifax not use or disclose credit reporting information it holds about you in circumstances where you reasonably believe that you have been or are likely to be a victim of fraud, including identity-related fraud. You must contact Equifax directly should this be the case.

Third parties to whom John Deere may disclose your credit-related information

We may, as permitted by Applicable Law, disclose your credit information or credit eligibility information to third parties, including:

  • some intermediaries;
  • other credit providers;
  • our related companies;
  • organisations that perform credit assessment, management and debt collection activities on our behalf;
  • current or prospective guarantors or security providers in relation to credit we are providing to you; and
  • organisations involved in debt assignment or securitisation arrangements.

In some circumstances we may require your consent before being able to make such disclosures.

Disclosure of your credit eligibility information to overseas recipients

We utilise overseas service providers for some of our activities and so may need to disclose credit information or credit eligibility information to those service providers.  We may also disclose such information to other overseas recipients, including our related companies, for the purposes listed above when permitted to do so by the Applicable Law.

These countries in which such service providers and other recipients are likely to be located may include Australia, New Zealand, United States of America, and India.

How your credit-related information is held and protected

We treat the protection of credit information and credit eligibility information we hold very seriously. We may hold your credit information and credit eligibility information in physical form or in electronic form on our systems located in Australia or overseas, including with related companies and third-party service providers.  This information we hold about you is protected by physical, electronic, and procedural safeguards.

Access to and correction of personal information

You may access the credit eligibility information which we hold about you by contacting us on 1800 857 057 or by email and post at our contact details below. For completeness, we note that if you request access to your credit eligibility information held by us, it may be beneficial to also request access to credit reporting information held by our CRB, Equifax, to ensure that you have the most up-to-date information.

We will need to verify your identity where you make an access request. Once we have verified your identity, we will usually provide the information requested within 30 days.  We will advise you in writing if we are unable to agree to a request for access to your credit eligibility information and will provide our reasons for this.

You will not be charged for making an access request; however, we may apply an administration charge for providing access in accordance with your request where reasonable to do so and where permitted under Applicable Law.

If you believe that any credit-related information held by us about you is incorrect, you have the right under Applicable Law to request that we correct that information. You may make a correction request by contacting us on 1800 857 057. We will advise you in writing if we are unable to agree to a request for correction of your credit-related information and will provide our reasons for this.

Privacy complaints and disputes about our compliance with our credit reporting obligations

If you wish to complain about a failure on the part of John Deere to comply with obligations under Applicable Law which affects your credit-related information, please contact us on 1800 857 057. You can also:

  • Email us at
  • Send a letter to our Privacy Officer at our street address: 166-170 Magnesium Drive, Crestmead Qld 4118

You will receive an acknowledgment of your complaint as soon as practicable and in any case within 7 days after we receive it.

John Deere is committed to a fair and prompt resolution of any complaint. Once your complaint is received, our Privacy Officer will liaise with managers and staff to resolve the complaint. If:

  • we consider it necessary in order to deal with your complaint, we will consult with another credit provider or a credit reporting body; and/or
  • while the complaint remains unresolved, we are disclosing information subject to the complaint to a third party, we will advise the third party about the complaint (except if it is impracticable to do so or we are legally prohibited from giving that notice).

Unless there are exceptional circumstances, we will respond to your complaint within 30 days of receipt of the initial complaint. If we do not expect to resolve the complaint within 30 days, we will inform you before the end of that period, provide the reason for the delay time, the expected timeframe to resolve the complaint and seek your agreement to an extension for a reasonable period.

We will provide you with a written notice setting out the decision and the reasons for that decision.

All complaints will be processed at no charge to you.

If the complaint remains unresolved you may wish to contact the Australian Financial Complaints Authority (AFCA), our Australian external dispute resolution (EDR) scheme, the Financial Services Complaints Ltd (FSCL) scheme in New Zealand, or make a complaint to the Office of the Australian Information Commissioner (the "OAIC") or the New Zealand Privacy Commissioner (the "NZPC").

AFCA may be contacted as follows:

Telephone: 1800 931 678 (free call)

In writing to:

Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001

The contact details for the OAIC are:

The Office of the Australian Information Commissioner
GPO Box 2999
Canberra ACT 2601

Phone: 1300 363 992
Fax: 02 9284 9666

The contact details for the NZPC are:

New Zealand Privacy Commission
Phone: 0800 803 909

The contact details for the FSCL are:
Financial Services Complaints Limited.
PO Box 5967, Wellington 6140 New Zealand
Phone: 0800 347 257

Updates to this Credit Reporting Policy

John Deere Limited will publish updates to this Credit Reporting Policy on this website.

Last Updated: April 14, 2023

Customer Due Diligence and Know Your Customer

Learn why we undertake customer due diligence and how it impacts you.

Why we do it?

Fighting money laundering and terrorism financing is important at John Deere Financial. Not only is it a regulatory commitment we must meet, but it is also part of our corporate responsibility.

Through our Customer Due Diligence process, we are helping to safeguard our community and protect those affected by financial crime.

It is something we take extremely seriously as part of our overall commitment to conducting business to the highest possible standards.

How long will it take?

For most new customers, Customer Due Diligence will be a seamless process where we check the details provided at the application stage against the appropriate records.

For customers with more complex structures or residents outside of Australia and New Zealand, this can take more time.

The process will be completed as quickly as possible and will depend on you and third-party response times.

What does it involve?

John Deere Financial or our verification partner, First AML, will need to verify people's identities using a number of different tools. We will always obtain consent to do this where required by law or under our Privacy or Credit Reporting Policies. Identity checks do not involve credit checks and they will not affect their credit score.

What information will we require?

The key information required is set out in the Application. You should complete this thoroughly and fully, providing all information for the entities and individuals associated with the application.

John Deere Financial uses First AML – an automated verification and workflow management tool – to comply with these laws, with the goal of making the process as quick and easy as possible for our customers. This involves understanding ownership structures of our customers, whether such customers are individuals, companies, trusts or otherwise. No matter the type, John Deere Financial must conduct identity verification on every associated individual. You or your representative (for example, your Accountant) will be asked to provide us with certain documents (for example, a Trust Deed or a Partnership Agreement), and Beneficial Owners will need to provide privacy consent for verification of their identity. Typically, a Beneficial Owner is:

  • anyone who can control the customer (for example, a company director, a partner, a board member or a trustee), or
  • anyone who owns 25% or more of the customer (for example, a shareholder).

We will identify each Beneficial Owner and make contact with them to ensure we have all the information we need to complete this process.

John Deere Financial Limited Privacy and Data