What is the interest rate?

Our interest rates are based on your individual circumstances. Competitive rates apply and will be disclosed upon application.

Who do I send the livestock invoice to for payment?

Your livestock invoice can be sent to rural@heartland.co.nz.

How long will it take to set up my loan?

The amount of time it takes to set up your loan depends on how soon we receive your documentation back. Once your documentation has been received, we’ll be in touch to confirm next steps.

If I apply online, does this mean I am locked into a livestock loan?

No, the online application is one part of the process designed to reduce the amount of paperwork you need to fill out. When you apply online, a rural relationship manager will call you to talk through your options including our fees, interest rate and documentation needed. If your application is approved you will receive a loan document that, once you accept and sign, will finalise your application. You will not incur any fees until we pay your first livestock invoice.

Livestock Finance from Open For Livestock

Purpose-built for Kiwi farmers

Get 100% finance for trading livestock finance. Security is only taken over the stock purchased, so your existing security arrangements with your bank aren’t impacted.

Apply now

Why choose Livestock Finance?

Since 2007, we’ve provided thousands of Kiwis with livestock finance. Our goal is to make buying stock quicker and easier for busy farmers.

Security only taken over the livestock purchased and no repayments until the stock are sold

Use any stock agent or purchase method you choose

100% stock purchase finance available

Once repaid, use your facility to purchase more stock

Heartland’s lending criteria, terms, conditions and fees apply.

How to get Livestock Finance

1

Complete our 3-step online application in minutes.

2

We’ll confirm your details and loan structure, conduct any required checks and request any supporting documents.

3

Find the stock you want to purchase and send us the invoice. We’ll pay the seller directly, and you’ll receive the stock.

Apply now

General information

Where can you learn more? View common questions Need a different Rural loan? See our home page Why choose us? Learn more about us

What our customers are saying

Martin Skurr

South Canterbury

"I wasn't really planning on getting finance, but everything just seemed to fall into place this year. I started exploring different options, and Heartland's Open for Livestock product seemed to be the ideal solution."

Peter Mehrtens

Auckland

"My brother Donald and I have been in a dairy grazing partnership for close to 20 years. This year, we also decided to take on 350 yearling bulls to increase farm cashflow, and we were recommended Heartland Bank."

Leen Dekker

Canterbury

"My wife and I enjoy finishing lambs as a side business, and one year we decided to buy more lambs than usual. When we saw the ad for Heartland's Open for Livestock loan, we decided to go for it."

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Livestock Finance