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

Bad Credit Zero-Turn Mower Financing – What Does It Mean?

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.

No Credit Check vs. No Credit Needed for Zero-Turn Mower Financing

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.

man riding zero turn mower big yard

What Kind of Zero-Turn Mowers Can Be Financed with Bad Credit?

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.

 

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.

 

Zero-Turn Mowers for 2024

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.

Brand: John Deere®

Average Price**: $3,000 – $6,300

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Brand: Cub Cadet®

Average Price**: $3,100 – $6,400

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Brand: Ariens®

Average Price**: $2,700 – $4,400

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Brand: Toro®

Average Price**: $1,200 – $5,000

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Brand: Ryobi®

Average Price**: $3,000 – $7,000

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John Deere®

A well-known American agricultural brand, John Deere, offers a variety of zero-turn mowers for residential customers.

 

Deere also offers a wide range of resources to help repair your zero-turn mower with access to videos and also, needed parts. Pricing for John Deere zero-turn mowers ranges from $3,000 to $6,300, depending upon model and retailer.

Cub Cadet®

Cub Cadet zero-turn mowers are thought to be a comfortable ride and can be a good option for a budget zero-turn mower.

Cub Cadet made small lawn tractors available to the public in 1972. Their zero-turn mowers range in price from $3,100 – $6,400, depending on the model and retailer.

lawn mower mowing long grass

Ariens®

Several of Ariens’ mowers come with a Kawasaki engine, a trusted engine among commercial and landscaping companies. In addition, several of Ariens’ zero-turn mowers may offer a 4-year or 750 hours warranty. Pricing for an Ariens zero-turn lawn mower ranges from $2,700 to $4,400.

Where Can I use Bad Credit Zero-Turn Mower Financing?

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.

The Popularity of Financing Zero-Turn Mower

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.

Applying for Zero-Turn Mower Financing with Bad Credit?

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*.

 

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.

man riding orange zero turn lawn mower around bushes

Zero-Turn Mower Financing with Bad Credit FAQs

To assist you, we’ve compiled a list of frequently asked questions and answers.

 

Q: What Qualifies as “Bad Credit” Financing?

A: The credit score of applicants with a credit score below 670 is considered fair to poor. Individuals with no credit or low credit scores may still be able to access goods and services via bad credit financing, or alternative lenders, upon approval.

 

Q: What Credit Score Is Required to Get Financing?

A: To qualify for financing options, some traditional lending institutions may require a credit score of 670 or greater. Alternative lenders may offer to finance those who might not qualify for a traditional loan or financing. The credit score required will often vary by lender.

 

Q: Where’s the Best Place to Finance a Zero-Turn Mower?

A: Many alternative lenders offer financing options* to bad credit borrowers looking to obtain a zero-turn mower. There are many options for securing financing, and the best place to apply should be based on what’s best for your financial situation and needs.

 

Q: How Can I Finance a Zero-Turn Mower with Bad Credit?

A: The application process will vary depending on the lender. Be sure to inquire and gather all pertinent information with any potential lender before applying. Alternative lenders may also look at other factors beyond credit score, and less-than-perfect credit history may not necessarily disqualify an applicant.

 

Q: Where Can I Use My Zero-Turn Mower Financing if Approved?

A: There are many locations available to our customers across the country that sell zero-turn mowers, depending on where you seek financing.

To apply for a payment solution on our site, simply find a store near you* and begin the application process for financing online.