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Farm and Construction Finance Emerald


At Farm and Construction, we offer finance solutions for all of our products from Ride-on mowers to attachments and tractors. These solutions can be easily arranged through our online application below or in-store. Some approvals can even be made at the dealership within 15 minutes, so you can take home your new equipment straight away!


We pride ourselves on providing customers with customised finance packages to suit their needs and budgets including Chattel Mortgages, Commercial Hire Purchases and rent-to-buy solutions.

Farm and Construction Finance Emerald


We've partnered with Humm90 to ensure you can get the gear you need now without having to worry about the payment. With Humm, you get no deposit finance on loans up to $50,000 and have the ability to repay extra at anytime.

You can also apply online in just a few steps! 




  • What is Humm90?
    The humm90 Mastercard® is an Interest Free credit card, that gives you up to 110 Interest Free days to pay, every time you use it to make a purchase under $50,000.
  • Why can apply to have a Humm card?
    Anyone can apply for a Humm90 Mastercard as long as they; • Are 18 years old • Earn over $25,000 p.a. • Are an Australian Citizen or permanent resident • Have a clear credit file
  • What happens when I'm approved?
    Once approved with Humm90, you’ll receive a Humm90 Mastercard which gives you access to up to 110 days Interest Free on Mastercard transactions and no foreign transaction fees for online and overseas purchases.
  • What are the APR and interest charges?
    There are two different APR’s that you may be charged on your Humm90 Mastercard. • The Expired Promotional Rate, currently 25.99%, which applies to any outstanding balance that was subject to a Promotional Rate (i.e. an Interest Free offer through a retail partner) at the end of the promotional period. • The Card Purchase Rate, currently 23.99%, which applies to any Humm90 Mastercard transactions that were not subject to or paid off within any applicable Interest Free period.
  • Is there an early payout fee?
    Customers who pay out their account before the Interest Free period do not incur an early payout fee. It’s completely up to you if you want to pay off your purchase sooner or later.
  • How can I make repayments?
    There are three ways that you can make repayments to your Humm90 Mastercard: • Direct debit from your nominated bank account on your statement due date • BPAY • One time, weekly or fortnightly repayments through Humm90 Self Service
  • Can I make additional purchases?
    Yes. The next time you wish to shop and take advantage of an Interest Free offer at participating Humm90 retailers, simply have your Customer ID handy, and present this to the sales consultant. Your Customer ID can be found on the back of your Humm90 Mastercard. The Store will process and additional purchase for you. For all other purchases at non-Humm90 retailers, simply use your Humm90 Mastercard to make your purchase to take advantage of 110 days Interest Free and no repayments on every Humm90 purchase.
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