Keeping your lawn lush and well-manicured is a point of pride for many homeowners. But top-quality lawn mowers don't come cheap. Fortunately, lawn mower financing options can help you get the perfect mower without draining your bank account. This comprehensive guide will explore everything you need to know about financing a lawn mower purchase in 2025.
Lawn mower financing allows you to spread the cost of a new mower over time, making it more affordable to get a high-quality machine. Here are some key benefits of financing your lawn mower purchase:
With flexible financing terms available, you can choose a monthly payment that fits your budget while enjoying a top-notch mower.
There are several ways to finance a lawn mower purchase:
Many major lawn mower brands like John Deere, Husqvarna, and Cub Cadet offer their own financing programs. These often feature promotional interest rates as low as 0% for qualified buyers.
Some retailers offer store credit cards with special financing terms for lawn equipment. General credit cards can also be used, potentially with 0% intro APR offers.
Unsecured personal loans from banks or online lenders can be used to finance lawn mowers. Rates typically range from 6-36% APR based on credit.
For very expensive commercial mowers, a home equity loan or line of credit may offer lower rates for those with significant home equity.
Some retailers partner with services like Affirm or Klarna to offer short-term payment plans, often with 0% interest.
Here's an overview of some of the best lawn mower financing programs available this year:
| Financing Provider | Interest Rates | Term Length | Max Loan Amount |
|---|---|---|---|
| John Deere Financial | 0-4.9% APR | 24-60 months | $50,000 |
| Husqvarna | 0-5.99% APR | 12-48 months | $15,000 |
| Cub Cadet | 0-3.99% APR | 12-60 months | $25,000 |
| Home Depot Consumer Card | 0% for 6-24 months | 6-24 months | $5,000 |
| Affirm | 0-30% APR | 3-36 months | $17,500 |
Note: Rates and terms are subject to change and may vary based on creditworthiness.
While requirements vary by lender, you'll generally need the following to qualify for lawn mower financing:
Some financing programs may have more lenient requirements, especially for lower loan amounts. It's always worth checking your options even if your credit isn't perfect.
Follow these tips to secure the most favorable lawn mower financing terms:
Consider these advantages and potential drawbacks of financing a lawn mower:
Lawn mower financing can be a smart choice if:
However, it may be better to save up and pay cash if:
If financing isn't the right fit, consider these alternatives:
Most lenders prefer a score of 640+, but some may approve scores as low as 600. For the best rates, aim for 700+.
Yes, many financing programs allow you to purchase certified pre-owned mowers or even privately-owned used models from dealerships.
Terms vary but typically range from 12-60 months. Choose the shortest term that fits your budget.
No, most programs don't require a down payment although making one can reduce monthly payments and interest paid overall.
Financing has transformed how homeowners approach buying lawn mowers. With competitive rates, flexible terms, and enticing promotions, you can now get a high-quality mower without breaking the bank.
Just make sure to compare options carefully, read the fine print, and only finance what you need. Used wisely, financing can help you keep your grass green while keeping your finances in tip-top shape too.