by farmers, for farmers

At Pay In Time, we understand the unique financial needs of Australian farmers. Whether you need short-term funding, long-term loans, or a line of credit, we’re here to help you grow your business.

Livestock Funding Solutions

Secure funding to expand your herd with flexible repayment options tailored to your seasonal income cycles. Quick approvals available.

An image of modern farm machinery operating in a field during sunrise, showcasing Equipment Finance solutions by Pay In Time.

Equipment Finance Options

Acquire essential machinery with competitive interest rates and flexible terms. Fast approval process to minimize downtime and maximize productivity.

A scenic view of a sprawling Australian farm with a farmhouse and fields, symbolizing Property Loans offered by Pay In Time.

Farm Property Loans

Purchase or refinance farm properties with customized loan packages and expert guidance through the property financing process. Competitive rates.

Flexible Lines of Credit

Access funds whenever needed for seasonal expenses with our revolving credit facilities. Interest only on the amount drawn, ideal for managing cash flow.

A professional farmer shaking hands with a Pay In Time financial advisor in front of a modern agricultural landscape, symbolizing trust and partnership.

Industry Expertise You Can Trust

Benefit from our deep understanding of agricultural finance. We provide tailored solutions to meet your unique farming needs and challenges.

A close-up shot of a financial advisor working on a tablet, analyzing data related to a farmer's financial plan.

Personalized Service, Every Step

We offer dedicated support and guidance throughout the financing process, ensuring you receive the best possible service and outcomes.

Access to a Wide Lender Network

Gain access to a broad range of lenders, increasing your chances of securing the most favorable terms and financing options for your farm.

A farmer successfully operating modern farm equipment in a field, symbolizing growth and prosperity achieved through Pay In Time's financing.

Empowering Your Farm's Growth

We are committed to helping Australian farmers thrive by providing the financial tools and resources needed to expand and improve their operations.

Get in Touch

Connect with us for tailored agricultural finance solutions.

© 2025 Pay In Time – Created by c51 Consulting. All rights reserved.

We only work with authorised and approved partners and compliant products.

Any options discussed are subject to lender approval, eligibility & regulatory requirements.

You always stay in control of your decisions at every step.