Lawn mower from a loan.

Lawn Equipment Financing With Bad Credit

If you need lawn equipment financing, but have bad credit, we may be able to help you get a cash offer. If approved, your lender will send money directly to your account, allowing you to shop any dealer as a cash buyer.

How much do you want to spend on lawn equipment?

Lawn equipment purchased with bad credit financing.

Getting An Offer For Lawn Equipment

Getting an offer is easy and you can get it done in a matter of minutes. Here is how it all works and what you can expect if approved.

Get Your Offer

First and foremost, you have got to fill out a quote form in order to get an answer. It takes just a few minutes to get the job done.

Enter in how much you expect to need, your contact information and information on how you make money. Finish it off with the bank where you would like your money sent. If approved and you accept your loan, your lender will send funds directly to your bank account.

Once you enter in all of your information, hit submit and your quote request goes off to the lender group. We ourselves are not lenders but instead get you access to a much larger group of lenders online. If you are looking for lawn equipment financing with bad credit, this is important. More lenders means more opportunities to get a yes from one of them.

If approved for a loan, one of the lenders will present you with an offer. You will typically be sent to their website in order to review the terms of your loan. If you like it, you can accept it and your money will be sent to your bank as soon as the next business day. They, you are free to purchase your lawn care equipment like a cash buyer.

To Accept Your Offer Or Decline

Once you have a loan offer in front of you, there is an important decision to be made. Should you accept? A loan offer for lawn equipment financing with bad credit is likely to be expensive, so think carefully.

First, decide if the payment is affordable. Make sure that it fits into your budget and won’t leave you struggling every month.

Next, consider if the cost of the loan is acceptable. Everyone will have a different answer for this. If you need commercial lawn care equipment, for example, you might be willing to pay more of a cost than someone looking for a residential mower.

If, after carefully thinking about your decision, you want to move forward, you can generally handle the rest of the details online.

Buying Your Equipment

If you accepted a loan, now is the fun part, buying your gear. Your lender will deposit cash into your account and that means that you can buy whatever you want and you can use any dealer you like. That gives you a lot of options. Do you want a Kubota, a Deer or perhaps a Toro. The choice is yours. Here is what some people do.

Riding Mowers

If you have a larger lawn, a riding lawn mower is a real benefit over a push lawn mower. This could be anything from a small lawn tractor to a zero turn mower with a 60 inch deck. In general, if you have 1.5 acres or less you can get by with a lawn tractor. More than that and a zero turn starts to look like a good decision.

Miscellaneous Tools

Depending on what kind of lawn you manage and where you live, you may need a variety of specialty lawn care tools.

Up in the North, for example, many people use some of their money to purchase a snow blower. It is simply a tool that you can not do without if heavy snow is in your future.

Have timber on your lawn, maybe use some of the money to buy a good commercial chainsaw to deal with fallen limbs. Once you have those timbers cut, a good log splitter can then finish the job. If that doesn’t do it, a wood chipper might be in order.


If you are a professional landscaper, you should also give some thought to transporting all of this gear. Perhaps using part of your loan money for a landscape trailer would be a good idea. It would be far easier to work with during the average day than a simple work truck.

Heavy Equipment

What if you have a really big area to cut or work. In these cases, you might want a full sized tractor to get the job done.

Lawn Equipment Without A Bad Credit Loan

If you are unable to qualify for a bad credit loan or just find the terms of lawn equipment financing to be disagreeable, you will probably need to find a way to get lawn equipment. People generally are not buying lawn gear because it is something they want, it is usually something you need. Here are some other ways to get it.

Borrow It

You probably do not want to borrow a mower to cut your grass every week but if you need a piece of specialty equipment, borrowing it might be an option.

Look to your friends and family members and see what you can come up with. One word of caution though, make sure it works when you get it. Before your friend or family member leaves you with a piece of equipment, test fire it. That will make sure that you do not wind up responsible for a piece of equipment that was already broken, it happens.

Rent It

If you can not find someone with the equipment that you need, perhaps you can rent it. Renting is expensive but if it is for an item that you would not use very often, like a tiller, it might be worth it. Most cities will have rental yards where you can rent equipment by the hour, day or week.

Buy It Used

Last but not least, consider shopping the used market. You take your chances with used machinery, but it can save you a lot of money. Be sure to test any equipment that you intend to buy thoroughly. Carefully check the equipment and see if it has been warmed up before you arrive. That could be a warning sign of hard to start equipment.

Also, among other things, check the exhaust on startup. Does it smoke? That could be a sign of an engine on its last legs. If in doubt, it might be best to pass on used lawn equipment. There are a lot of sellers out there, so be picky.

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