Balers and combines are essential for modern harvesting, but they don’t come cheap. Buying new can set you back six figures—and that’s before fuel, repairs, or upgrades. If you're not ready to make that kind of investment, leasing heavy equipment like balers and combines may be the smarter move.
Yes! Farmers can lease heavy equipment like balers and combines through dealerships, agricultural lenders, or lease-to-own programs—giving them access to modern machinery without a major upfront investment.
Leasing offers a smart alternative for farmers who want access to reliable harvesting equipment without committing to full ownership. Here’s why:
Lower upfront cost — Preserve cash for seeds, fuel, and labor
Access to newer models — Upgrade more frequently
Tax advantages — Lease payments may be deductible (check with your CPA)
Flexible terms — Short or long-term based on harvest needs
Optional buyout — Some leases allow you to own the equipment after the term
Related: The Pros and Cons of Equipment Leasing: Is It Right for You?
You can lease a wide variety of heavy farm equipment beyond just combines and balers, including:
Self-propelled grain combines
Corn heads and flex heads
GPS-enabled harvesting systems
Round balers
Square balers
Silage and haylage balers
Wrapping attachments and bale wagons
Headers
Grain carts
Hay rakes and tedders
Bale wrappers and movers
| Equipment Type | New Purchase Price | Estimated Monthly Lease (5 years) |
|---|---|---|
| Combine Harvester | $350,000–$600,000 | $4,800–$8,500/month |
| Round Baler | $30,000–$60,000 | $450–$950/month |
| Square Baler | $70,000–$120,000 | $1,100–$1,900/month |
Most major manufacturers offer leasing directly (e.g., John Deere, Case IH, New Holland)
Often includes maintenance, warranty, and seasonal terms
Independent lessors that specialize in farm equipment
May offer more flexible credit requirements
Regional lenders that understand seasonal cash flow and ag operations
Potential for bundled loans (equipment + inputs)
Choose your equipment (new or used, model, and features)
Get quotes from 2–3 leasing companies or dealerships
Submit a lease application with financial documents
Compare lease terms (monthly payment, length, maintenance options)
Review end-of-lease options (buyout, upgrade, return)
Sign and schedule delivery before harvest begins
Related: Understanding the Equipment Leasing Process Step-by-Step
Predictable monthly expenses
Easier access to newer models
Reduces long-term maintenance risks
May qualify for off-balance-sheet accounting
No equity or ownership (unless lease-to-own)
Mileage/hours limits may apply
Long-term cost can be higher than buying outright
To lease heavy ag equipment, most providers require:
Farm tax ID or EIN
Recent tax returns or farm income statements
Equipment quote or invoice
Credit score (600+ preferred)
Down payment (may be waived with strong credit)
Lease heavy harvest equipment like balers and combines
Save cash with predictable payments and seasonal terms
Available through dealers, co-ops, and leasing companies
Owning every piece of equipment isn’t always the best option. Leasing gives you access to top-tier balers and combines without tying up your capital. Whether you're upgrading tech, scaling acreage, or trying to weather a tough season—leasing heavy equipment helps you keep your farm moving forward.
Ready to upgrade your harvest game?
Apply now to lease a combine harvester, baler, or other heavy equipment with flexible terms and low upfront costs—so you're ready when the season starts.