Helping more Australian

farmers.
Since 1957
Case Credit has made a difference to the livelihoods of farmers around the world for over 50 years.
During this time a wide array of flexible financial products and services have been delivered to more than
500,000 customers in Australia, as well as North America, Latin America and Europe.

Today these products and services are made available through the Case IH network of approximately 12,000
independent dealerships and distributors located in 160 countries.

In Australia, Case Credit has been the financing source of choice for Case IH equipment customers since 1979.
Over the years Case Credit has developed a close understanding of the challenges faced by Australians
on the land and has consistently supported farmers through good times and bad.

With a Case IH network of over 100 dealerships Australia-wide, Case Credit offers a ‘one-stop-shop’ for all
your farming equipment and finance* needs.

In line with the quality of Case IH equipment, our finance products are world-class offering you competitive
rates, no early payout penalties, flexible deposit and repayment structures, and much more.

Today we have grown to become the undisputed No.1 finance source whenever Australian farmers purchase
new Case IH equipment.

Specialist financier, special understanding.

As a specialist rural finance provider, Case Credit simply works harder at appreciating your needs.
The Case Credit team devotes a large amount of energy to understanding what is really important to you:
your goals, your challenges and your outlook for the future. This is how we develop, and deliver the most
effective finance solutions for your business.

A two-way business relationship.

Perhaps it’s due to our depth of industry knowledge developed over many years, but it’s a fact that our
customer relationships have remained strong despite the inevitable fluctuations in weather conditions and
business climate.

*Case Credit recommends that advice should be sought from your accountant or financial advisor on
which form of finance best suits your current requirements and on any tax implications.
Lease and loan options
Loan & Goods Mortgage
A Loan & Goods Mortgage enables you to receive the
full benefits of ownership immediately. With the title passing
to you upon purchase, Case Credit takes a mortgage over
the equipment for the life of the loan. A Case Credit Loan
& Goods Mortgage can deliver to you many advantages.
For starters, it has a fixed low interest rate for the term of the
loan, protecting you against rising interest rates. Subject to
credit approval, the deposit amount required is flexible and
payment schedules can be tailored to suit your individual
business requirements.
Because you own the equipment, you may be able to claim
your depreciation and interest costs as business tax-deductible
expenses. You may also be able to claim your GST as an input
tax credit in your Business Activity Statement.
Fixed repayments for the loan term increase your budgeting
certainty. As well, you are building equity, which you can
roll over into your next equipment purchase. Finally, the loan
structure allows you to spread your purchase cost over a
manageable time frame.
Payments can be tailored to match your income cycles or any
other seasonal requirements. Terms range from 12- 60 months.
Finance Lease
With this option Case Credit owns the equipment. The
equipment is rented to you (subject to credit approval),
for an agreed period at fixed repayments. At term end,
you may be able to purchase the equipment by refinancing
with Case Credit or by purchasing outright at the agreed
residual value.
There are several noteworthy advantages to a Case Credit
Finance Lease.
It lets you expand or update your equipment needs without
tying up working capital. It affords you the opportunity
of ownership along with the cashflow benefits of lower
repayments. Case Credit does not require a deposit, however,
payments are required to be made in advance.
Fixed rental costs during the contract period increase your
budgeting certainty. The fixed underlying interest rate feature
gives you protection against rising interest rates. Best of all,
you may be able to claim your regular repayments as a tax-
deductible business expense.
Payments† can be tailored to match your income cycles or any
other seasonal requirements. Terms range from 12- 60 months.
†Payment structure includes a final residual value.
Master Goods Mortgage
Essentially the same as a Loan & Goods Mortgage, with
one important difference. The Case Credit Master Goods
Mortgage, which links to the Credit Line, allows you to
purchase equipment at several times during the year on
one original master document.
In addition to the same advantages as a Loan & Goods
Mortgage, the Master Goods Mortgage also features a
simplified documentation process and reduced paperwork.
After the initial contract is signed, only 1 or 2 signatories
per equipment purchase are required if so nominated,
rather than every business partner.
With its speedy draw down process, you can make
urgent purchases or take advantage of timely opportunities.
A dedicated Case Credit Finance Manager is always
available to advise on your finance needs.
As with the Loan & Goods Mortgage, payments can be
tailored to match your income cycles or any other seasonal
requirements. Terms range from 12- 60 months.
Commercial Hire Purchase
Case Credit Commercial Hire Purchase is designed for farmers
looking to preserve working capital whilst working towards
ownership over a period of time (i.e. you own the equipment
upon final payment).
You can make as small or large a deposit as you wish (subject
to credit approval). Importantly, for both tax and accounting
purposes, you are considered ‘the owner’ of the equipment
and may be able to claim both depreciation and interest as
business expenses.
The Case Credit Commercial Hire Purchase option helps
you create equity, which you can roll over into your next
purchase. It allows purchase costs to be spread over a
manageable time frame and its fixed term interest costs
protect you against rate rises.
Payments can be tailored to match your income cycles or
any other seasonal requirements. Please note that Commercial
Hire Purchase is a fixed term contract and the equipment
financed serves as the primary form of security. Terms range
from 12- 60 months.
The Case Credit team
Meeting all your asset finance needs.
At Case Credit, our team of fully trained Finance Managers
are dedicated to providing you with all the help and advice
you require, whether over the phone or face to face on
your property.
In addition, our Customer Assist team are trained to
offer assistance by phone or email. They are trained
to assist you with finance quotes, updates on your loan
status, information on alternative finance options,
and many other services.
Furthermore, an extensive range of finance options are
available for all your business asset requirements.
Case Credit provides finance for assets such as trucks, utility
vehicles, silos, sprayers, fork lifts and so on.
For a finance quote or more information regarding Asset
Finance, please contact Case Credit Customer Assist on
1800 807 934 or casecreditassist@cnh.com

Your local Case IH dealership

A one stop equipment and finance shop.
Your local Case IH dealership gives you the easiest and best
access to owning or leasing quality agricultural equipment.
Your dealer is not only an expert in Case IH equipment and
trained to advise you on the most appropriate equipment
for your farming needs, they can also offer you access to the
most suitable type of finance to match your business needs.
Through your local Case IH dealership, Case Credit provides
a full range of finance options for every piece of equipment
you purchase.
For a finance quote or more information, simply contact your
local Case IH dealership, or Case Credit Customer Assist
on 1800 807 934 or casecreditassist@cnh.com
Flexible payment options
We believe that by understanding the special needs of
Australian farmers we can create a more flexible and
appropriate range of repayment options. Please take a moment
to consider the Case Credit payment option that’s best for you.
Structured Payment Plan
A schedule where the timing of repayments is structured in line
with your income patterns. This payment structure can really
Reduced payment options
Balloon Payment
This option allows you to make lower payments during the
contract period, with a larger final (balloon) payment at the
end of the contract. The lower scheduled payments associated
with this structure can greatly assist your cashflow.
Equity Down
The benefit of Equity Down is that the higher the equity (deposit
paid), the lower the scheduled payments. The deposit can be
paid as either a cash payment or a trade-in.
Credit Line
The Credit Line is specifically designed to assist you with your
business expansion plans and help you to take advantage of
opportunities as they arise. This revolving credit facility gives
you a pre-approved limit that you can draw down upon when
making your equipment and business asset purchases (up to
your approved limit).
You determine how much you wish to use, and when you
want to use it. It gives you the security of long-term finance,
help smooth out your cashflow by aligning payment timing
with your seasonal income flow.
Deposit Options
For customers who wish to provide little or no deposit towards
the purchase of their equipment, Case Credit can provide
flexible payment options to help match your cashflow to an
appropriate payment plan.
Equity Down is a clever way to help reduce the payments on
your transaction account, and build equity in the early part of
the loan.
Automatic Payment Plan
This handy option is especially appropriate for the time-poor
farmer as payments are automatically withdrawn from a
nominated bank account. It’s a free service that eliminates
cheque writing and concerns over lost mail, whilst ensuring
payments are made on time.
and once it’s established, you won’t need to re-approach
your Case Credit Finance Manager for additional funding.
The Credit Line can be used in conjunction with a Loan &
Goods Mortgage, Master Goods Mortgage, Finance Lease or
Commercial Hire Purchase.
Payment schedules are determined at the time of equipment
purchase. Your approved credit limit is reviewed once a year.
Flexible lease options

Loans & Goods Commercial Hire

Finance Lease
Mortgage Purchase

Borrowers looking to
Borrowers wanting immediate Borrowers wanting to preserve
This option preserve working capital
ownership and the ability to working capital without the
best suits and attain ownership when
build asset equity need for ownership title
all payments are made

Remains with Case Credit.

Passes to you immediately
You can apply to purchase Passes to you upon
Ownership Title with a mortgage held over
and own at the end of the final payment
the goods by Case Credit
contract period

Finance amount Any amount up to 100% 100% finance is mandatory† Any amount up to 100%

Interest Rate Fixed for the term of the loan Fixed for the term of the loan Fixed for the term of the loan

Deposit Flexible None* Flexible

Payment Schedules Tailored to your needs Tailored to your needs Tailored to your needs

Terms 12 – 60 months 12 – 60 months 12 – 60 months

Mandatory and is an
Balloon payment/
Optional estimate of the value Optional
Residual Value
at the end of the term

Early Payout Penalties None None None

Creates equity in
Yes No Yes
the equipment

Possible to claim
repayments as No Yes No
tax deductions

Possible to
claim depreciation
Yes No Yes
and interest as
tax deductions
†
Upfront payments are permitted under certain conditions
*No deposit is required, however, an initial payment must be made at the start of the contract

For more information,

contact Case Credit
Customer Assist on 1800 807 934
or CaseCreditAssist@cnh.com

Case Credit is a division of CNH Capital Australia Pty Ltd. ABN 71 069 132 396. Full details of the terms and conditions of the finance will be made available on application. The details in this
brochure may be subject to change without notice. Any advice given in this brochure is of a general nature only, does not constitute financial or tax advice, and is not based on any consideration
of your objectives, financial situation or needs. To decide if a finance product is right for you, it is recommended that you seek the advice of a qualified advisor. RENARD CCR4863