Financing a Lawn Mower with Bad Credit

Consumers today may have more options than ever to finance a lawn mower, even with bad credit. And with the addition of alternative lenders, accessing a lawn mower is more feasible if you have a less-than-stellar credit history. Below, find out what you need to know about bad credit lawn mower financing:

  • What Exactly Is Bad Credit Lawn Mower Financing?
  • Does “No Credit Check” Mean the Same as “No Credit Needed”?
  • Where is Lawn Mower Financing for Bad Credit Available?
  • Who Can Get Lawn Mower Financing and How Do I Apply?
  • FAQs About Bad Credit Lawn Mower Financing

Bad Credit Lawn Mower Financing – What Is It?

Gazing out at a freshly mowed lawn can be incredibly relaxing and satisfying for a homeowner. But to enjoy this pleasurable experience, well, you need to have a lawn mower. Thankfully, lawn mowers of all types are available nearly year-round.

Lawn mowers may fall into the price range of a few hundred dollars to a couple thousand, depending on the model you pick. Financing a lawn mower may be a snap for those with good credit scores and dependable credit histories. However, a seemingly simple process can become much more challenging for consumers with bad or no credit.

Approximately 108 million Americans have low or no credit scores. This means many Americans currently may not have the ability to obtain traditional financing for products and services they need. To help fill the void between upfront payments and conventional bank loans, the alternate lenders may offer bad credit financing to help consumers access funds to get products they need even without stellar credit histories.

No Credit Check vs. No Credit Needed for Lawn Mower Financing

Alternative lenders often advertise “no credit check” or “no credit needed” to appeal to consumers who do not qualify for traditional financing. While it may seem as though they mean the same thing, they do not. It’s important to understand the difference. Here’s a look:

  • No Credit Check is when someone’s credit will not be pulled.
  • No Credit Needed refers to the fact that your credit score may be checked, but there are other factors that are a part of the approval requirements.
father daughter using push mower on yard

What Kind of Lawn Mowers Can Be Financed with Bad Credit?

Some alternative lenders may offer lawn mower loans, and most applications are typically easy to complete.

Most lawn mowers on the market today are listed anywhere between $300 and $1,000+ dollars. A variety of lawn mowers can be financed, even if you have less-than-perfect credit. Deciding which model you’ll need generally depends on yard size. So whether you’re looking for the best lawn mower for one acre or five, select a mower that fits your needs.

 

You might be wondering: Is a lease the same as a loan?

Leases & loans are quite different – here’s what you need to know:

  • A loan (or personal loan) is generally a lump sum of funds provided on the recipient’s behalf that is paid back over time (and, like most loans, includes interest.)
  • A lease (or lease-to-own option) allows the recipient to possess the leased item for a pre-determined period of time and includes the option to purchase the item outright. It does not include interest but has leasing fees.

 

Lawn Mowers for 2023

As technology advances, lawn mower consumers have more options and range beyond just gas-powered. Seems to be no matter what you are looking for, there are lawnmowers to suit just about every property.

Here’s a look at how some lawn mowers compare:

Brand: Toro®

Average Price**: $200 – $1,500

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Brand: Ryobi®

Average Price**: $199 – $800

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Brand: Greenworks®

Average Price**: $90 – $770

Find a Store*

 

Brand: Cub Cadet®

Average Price**: $400 – $2,179

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Toro®

Many of Toro’s lawn mowers are powered by the reliable Briggs & Stratton motor, and may also be covered by a three-year manufacturer’s warranty, depending upon where you purchase it. Toro’s Smartstow three-step stowing technology may help reduce the mower’s space since a feature is vertical storage capabilities.

Depending on the retailer, Toro offers lawnmowers powered by battery and gas ranging in price from $200 – $1,500.

Ryobi®

Ryobi lawn mowers are electric and powered by Ryobi’s own 40V Lithium-Ion battery. Onboard battery storage and a push-button may also be hlepful features for this brand of lawn mowers.

Electric Ryobi lawn mowers range from $199 – $800.

lawn mower mowing long grass

Greenworks®

Greenworks, is a lawn care brand established in 2002 around offering battery operated tools and machinery. They offer a wide range of electric-only lawn mowers, most with a standard product warranty of (3) three to (4) years for lawn mowers.

Greenworks’ lawn mowers prices range from $90 to $770.

Cub Cadet®

Cub Cadet made small lawn tractors available to the public in 1972. Cub Cadet offers both riding and push lawn mowers, and a DIY library to help lawn mower owners repair their own lawn mowers.

Cub Cadet lawn mowers range in price from $400 to $2,179 depending on the model and retailer.

man riding orange zero turn lawn mower around bushes

The Popularity of Financing a Lawn Mower

Recent trends have shown that more people have moved from close-quartered living to suburban and rural properties after 2020. Due to that, it’s no surprise that the demand for lawn mowers has increased. For homeowners or renters with lower credit scores, alternative financing may offer a solution* to get the lawn mower needed.

 

Applying for Lawn Mower Financing with Bad Credit?

With alternative financing options* available to those with bad credit, it’s important to select a lender that best suits your needs. When researching, consider looking for a reliable and trustworthy alternative lender that looks at more criteria than a perfect credit score and history when making approval decisions, as the score on your credit report does not define you.

Locate a store and fill out an application* with your basic information, such as your income, to determine whether you qualify.

 

Bad Credit Lawn Mower Financing in Summary

Some people find a sense of pride in caring for and maintaining their property. Some consumers, however, don’t have the luxury to set a few hundred dollars aside for a new lawn mower. In addition, having bad credit may make the traditional loan process more challenging. However, alternative lenders may be an available option to help consumers with bad credit access the funds and services they need.

top view man mowing field push mower

Lawn Mower Financing with Bad Credit FAQs

We’ve put together some frequently asked questions and answers to help you in your search for lawn mower financing.

 

Q: What Qualifies as “Bad Credit” Financing?

A: Credit scores below 670 are considered fair to poor by some traditional lenders. Bad credit financing may help people with less-than-perfect credit to access products and services that they need, even if they have no credit or a low credit score.

 

Q: Where’s the Best Place to Finance a Lawn Mower?

A: In situations where someone doesn’t have a perfect credit score, several ways to finance exist–including applying to alternative lenders that specialize in bad credit lawn mower financing. However, the best place to finance is based on your personal needs and financial situation.

 

Q: How Can I Finance a Lawn Mower with Bad Credit?

A: You can apply for lawn mower financing on our website by choosing a store near you.* It is not guaranteed that all applicants will be approved, but bad credit does not automatically disqualify you. We consider more than just your score when determining eligibility for financing.

 

Q: Where Can I Use My Lawn Mower Financing if Approved?

A: Locations for lawn mowers with bad credit financing options* are available to consumers across the country. You can use our Merchant Search tool* to find a store near you and apply for financing online, and get an answer most times before you go into a retail location.