Individuals with a clear agricultural or income-generating need for the equipment may apply. DTB will assess identification documents, bank statements, income and cash flow, existing credit obligations, the proposed tractor or implements, land ownership or leasing information where applicable, and the applicant's ability to meet the proposed repayments.

No. DTB states that agricultural equipment financing is available to both DTB and non-DTB customers. Non-DTB applicants should provide the certified bank statements and onboarding documents requested during application.

DTB publishes financing of up to 80% for qualifying new equipment. This is a maximum rather than a guaranteed amount. The final financing percentage will depend on the tractor price, equipment type, applicant profile, repayment capacity, credit appraisal and any required security or contribution.

Yes. DTB publishes financing of up to 70% for qualifying used equipment, with repayment of up to 36 months. The tractor should meet the bank's condition, valuation and age requirements, and a copy of the logbook is required.

The current DTB product page states that a used tractor should be no more than six years old. DTB may also consider the tractor's condition, valuation, remaining useful life, maintenance history and intended use before approving financing.

For a qualifying new tractor, financing of up to 80% means the applicant may need to contribute at least the difference between the approved facility and the purchase price. For qualifying used equipment, financing of up to 70% may require a larger contribution. The applicant should also budget for applicable fees, insurance, valuation, registration and other costs.

Yes. For qualifying new equipment, DTB states that implements may be bundled up to 30% of the tractor value. Ask DTB to confirm whether the specific implement is eligible and how the limit will be calculated before obtaining the final dealer quotation.

Eligibility depends on DTB's current product scope and the implement's connection to the financed tractor and intended farming activity. Common tractor implements may include equipment used for land preparation, planting or crop management, but DTB should confirm the exact eligible item before application.

The published repayment period is up to 48 months for qualifying new equipment and up to 36 months for qualifying used equipment. The approved tenure may be shorter depending on the equipment, its age, the applicant's cash flow and DTB's credit assessment.

Yes. DTB states that repayments may be monthly or structured around approved revenue cycles. Applicants with seasonal agricultural income should provide reliable production, sales, contract or cash-flow information so the bank can assess whether a revenue-cycle repayment structure is suitable.

Prepare copies of your ID or passport and KRA PIN, the certified bank statements requested by DTB if you are a non-DTB customer, a dealer pro forma invoice or seller's asset sale agreement, a completed Hire Purchase application form, and land title or leasing documents where applicable. Additional income, farm or contract documents may be requested.

The current requirements allow a pro forma invoice or an asset sale agreement from a dealer or seller. A privately sold used tractor will still need to meet DTB's ownership, valuation, logbook, age, condition and credit-appraisal requirements before financing can be approved.

DTB describes the interest rates as competitive, but the actual rate is confirmed after appraisal. The total cost may also include processing, valuation, insurance, registration, legal or security-related charges and applicable taxes. Request a written cost-of-credit breakdown and repayment schedule before accepting the facility.

A financed tractor or equipment will normally need insurance that meets the approved facility conditions. DTB states that eligible applicants may apply for Insurance Premium Financing, which can help spread the cost of the annual premium over an approved period. Confirm the required cover and premium-finance terms with DTB.

The financed tractor or equipment is normally the primary asset supporting the facility, with ownership and security interests documented through the approved Hire Purchase structure. DTB may request additional security, guarantees, land information or supporting contracts depending on the applicant, equipment and credit assessment.

Approval depends on verified income and agricultural cash flow, bank statements, existing debts, credit history, repayment track record, the tractor or equipment value and condition, intended use, applicant contribution, available security and the completeness of the application documents. Meeting the published requirements does not guarantee approval.

Seasonal income does not automatically prevent an application. DTB can assess repayments aligned to approved revenue cycles, but you should provide clear evidence of expected cash flow, such as farm production records, buyer contracts, invoices, historical sales, lease income or other reliable sources of repayment.

You may submit an application for more than one asset, but DTB will assess the total financing need, existing facilities, business or farm cash flow, applicant contribution and ability to repay all obligations. Approval of one tractor does not guarantee approval of additional equipment.

Processing time depends on the completeness of the application, credit appraisal, equipment valuation, ownership checks, security documentation and any additional information required. Submit consistent documents and a valid dealer quotation or sale agreement to reduce avoidable delays. DTB should confirm the expected timeline for your case.

Early settlement may be possible, subject to the approved facility terms. Ask DTB for an official settlement figure showing the outstanding principal, accrued interest and any applicable charges before making the payment.

Contact DTB as soon as you expect a repayment difficulty. Do not wait until the facility is in prolonged default. Any restructuring is subject to assessment and approval, and missed payments may lead to default interest, recovery action or repossession of the financed equipment under the facility terms.

Compare the financing percentage, deposit required, total cost of credit, interest-rate basis, repayment period, seasonal-payment flexibility, eligible tractor age, equipment and implement coverage, valuation and insurance costs, early-settlement terms and approval requirements. DTB offers up to 80% financing for qualifying new equipment, up to 70% for used equipment and repayment aligned to approved revenue cycles, subject to appraisal.

Select Get In Touch on the DTB webpage or visit a DTB branch. Identify the tractor and implements, obtain a dealer pro forma invoice or seller's asset sale agreement, prepare the required identification, bank and land documents, and complete the Hire Purchase application form. DTB will assess the application and issue facility terms if approved.