Financing a Zero-Turn Mower with Bad Credit

Consumers have more financing options than before, especially when trying to finance a zero-turn lawn mower with bad credit. This means that getting the tools you need, like a zero-turn mower, may be more realistic and attainable, even with less-than-stellar credit history. Learn about the aspects of bad credit zero-turn lawn mower financing below:

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

You’ve heard of walk-behind lawnmowers and driving mowers, but have you seen what a zero-turn mower can do? If you have a few acres of land and value precision cutting, a zero-turn mower may be of interest to you.

Zero-turn mowers mainly offer precise cuts and tight turns for your yard care needs. They also may come with a higher price tag than traditional ride-on lawnmowers. Loans to finance a zero-turn mower may not be hard to get when you have high credit scores, but what about prospective buyers who have bad credit or no credit? This may be more of a challenge with less-than-perfect credit.

Alternative lenders may offer various financing options to consumers with less-than-perfect credit. This may be an option for someone who is too young to have a credit history and maybe wants a zero-turn lawn mower to jump-start a landscaping business. In addition, eligibility criteria for alternate lenders may be different from traditional loans and may not just use credit scores to determine borrower credibility.

Though they sound similar, when considering financing options, it’s important to know the differences between these two terms.

No Credit Check vs. No Credit Needed

• 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.

Your credit may be examined with the “No Credit Needed” option, but it may not be the main factor in determining whether your loan application will be approved. Other factors may be used to assess and give a better picture of the ability of an alternate lender borrower to pay back the loan on time and in full.

For those with bad credit, alternative lenders may offer a great way to obtain zero-turn lawn mowers. Applicants may find that the alternative financing processes are typically straightforward and simple.

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.

Zero-turn mowers seem to offer speed, quality, and efficiency for both residential and commercial use. While features and capabilities are generally similar, each zero-turn model has unique features. Start the process here by finding a store.*

**Please Note: Payment solutions vary based on the merchant and will be indicated at the beginning of the application process. Be sure to confirm that the merchant you select offers the lease, loan, or alternative payment solution you intend to apply for.

Depending on your location, it may be possible to search for several zero-turn mower retailers. When applying for a zero-turn lawn mower with less-than-perfect credit, you’ll want to ensure that you’re working with a lender who accepts bad credit or no credit financing options.

If you’re considering moving to a more rural setting or just have a lot of grass to mow and appreciate the efficiency of tight turns, a zero-turn lawn mower may come in handy.

Lawn care enthusiasts with bad credit, or not enough established credit history, may have some difficulty obtaining a loan from a conventional lender to finance their zero-turn mower. However, alternative payment options* are available and may help bridge the gap between accessing the funds needed and access to a zero-turn mower.

When looking for lenders offering alternative financing options* for those with bad credit, you’ll want to ensure that you’re partnering with a reliable and trustworthy lender. While your credit may be checked, not all lenders make their decisions based solely on your credit score.

To determine if you qualify through our website, fill out an application*.

**Please Note: Payment solutions vary based on the merchant and will be indicated at the beginning of the application process. Be sure to confirm that the merchant you select offers the lease, loan, or alternative payment solution you intend to apply for.

Bad Credit Zero-Turn Mower Financing in Summary

Having bad credit may be limiting when it comes to acquiring some goods. Thanks to alternative lenders, zero-turn lawnmowers may be within reach for those who need them.