Common Questions

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 Manager will then call you to talk through your options including our fees, competitive 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.


What is the interest rate?

Our interest rates are based on your individual situation, this will range from 7.5%p.a to 16%p.a.

When you apply online, a Rural Manager will then call you to talk through your options including our fees, your specific interest rate and documentation needed.


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 account depends on how soon we receive your documentation back.

Documentation will be sent to you after you have been contacted by a Rural Manager to discuss your application.

As soon as we receive all the required documentation back, then we are able to work on setting up your account as quickly as possible and advise you when this has been done.


Need additional information

We have offices and rural experts throughout the country, and we’re here to help with your livestock finance.

Email us at openforlivestock@heartland.co.nz or call us on 0800 87 50 50.

How it works How to apply
Variable rates from:
7.5%p.a.to 16%p.a.

Lending criteria, fees and charges apply.

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Complete an application online now and receive $100 off your establishment fee!

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Lending criteria, terms and conditions apply. $100 discount on the establishment fee only applies to Livestock loans successfully drawn down.