Looking for Affordable Lawn Mower Financing in the United States?

Understanding Lawn Mower Financing in the United States

Financing enables the purchase of lawn mowers through installment plans instead of a single upfront payment. In 2025, notable financing choices for lawn mowers in the U.S. include:

• Sheffield Financial (a division of Truist Bank, Member FDIC)
• TD Bank’s Yard Card Financing

These programs are commonly available nationwide via participating dealers and cover purchases of new equipment.

Financing Providers and Program Details

• Sheffield Financial offers financing with a variety of terms and interest rates available throughout the United States for new lawn mower acquisitions. Their offer period lasts through July 31, 2025.
• TD Bank’s Yard Card features promotional 0% APR periods on qualifying purchases of $1,500 or more, subject to credit approval and dealer participation.

Applicants must undergo credit approval during the application process. Interest rates, terms, and eligibility depend on the borrower’s credit profile.

Eligibility Guidelines for Lawn Mower Financing

• Financing is usually available for new lawn mower equipment bought from authorized dealers.
• Minimum loan amounts generally start around $500 to $1,500, depending on the program.
• Maximum loan amounts can go up to $75,000, accommodating various financial needs.
• Many programs do not require a down payment, permitting financing of the full purchase price plus any applicable fees.
• Credit qualifications often require a score from 640 to 700, with higher scores potentially resulting in better terms.

Typical Financing Terms and Interest Rates

Sheffield Financial and TD Bank Yard Card offer a selection of interest rates and loan terms to accommodate different budgets and credit situations:

Interest Rates

• Promotional rates may include 0% APR offers for limited durations.
• Standard interest rates generally range from about 3.99% to 14.99% APR, depending on creditworthiness and loan length.

Loan Terms

• Loan durations commonly include 12, 24, 36, 48, 60, and 72 months.
• Shorter terms usually lead to higher monthly payments but less total interest.
• Longer terms typically have lower monthly payments but increased overall interest costs.

Illustrative Examples of Monthly Payments for a $7,500 Loan

Estimated monthly payments for a $7,500 lawn mower loan with Sheffield Financial, including loan documentation fees, might be:

• 36 months at 0% interest: about $212.50/month
• 48 months at 0% interest: about $159.38/month
• 48 months at 5.49% interest: about $177.85/month
• 60 months at 6.49% interest: about $149.62/month
• 12 months at 8.99% interest: about $660.39/month
• 48 months at 14.99% interest: about $212.80/month

These payments include a typical loan documentation fee near $150 (approximately $50 for smaller loans).

Promotional Features and Deferred Payment Options

Some financing offers may include promotional features such as:

• No interest for a specified number of days after purchase (e.g., 120 days).
• Deferred payment periods where no payments are due initially (e.g., 150 days).

Consumers should carefully review financing terms to understand when payments and interest charges will begin, as terms can vary by program and dealer.

Fees Associated with Financing

• Loan documentation or origination fees generally apply and are usually added to the loan balance:
• Around $150 for loans over $1,500.
• About $50 for smaller loans near $500.
• Some financing accounts may include extra fees such as UCC (Uniform Commercial Code) filing fees.
• These fees are typically included in the financed amount, so upfront payment is often not required.

Credit Approval and Considerations

• All financing offers depend on credit approval.
• Terms granted depend on individual credit profiles and scores.
• Minimum credit scores for better rates commonly fall between 640 and 700, though applicants with lower scores may still qualify at different rates or terms.

Applying for Lawn Mower Financing

• Financing applications are usually submitted through the participating dealer at the time of purchase.
• Some providers may permit online applications prior to visiting the dealer to speed up approval.
• Approval decisions can be immediate or take a short period depending on the lender’s process.
• Prospective buyers should consult authorized dealers for product eligibility, detailed terms, and current financing offers.

Information About TD Bank Yard Card Financing

TD Bank’s Yard Card financing program offers:

• Promotional 0% APR terms for 48, 54, or 60 months, with fixed equal monthly payments.
• A minimum purchase requirement of $1,500 on qualifying lawn mowers.
• A one-time promotional fee around $150.
• Financing subject to credit approval and valid through July 31, 2025.
• If balances are not paid in full by the end of promotional periods, standard interest rates—often much higher—may apply.
• The Yard Card acts as revolving credit, with both promotional and ongoing APRs.

Summary

In 2025, consumers in the United States have access to multiple financing options for purchasing lawn mowers that allow manageable monthly payments. Key points include:

• Available via Sheffield Financial and TD Bank’s Yard Card programs.
• Financing amounts generally range from $500 up to $75,000.
• Many programs do not require a down payment.
• Interest rates vary from 0% promotional rates up to about 14.99% APR, with loan terms between 12 and 72 months.
• Promotional offers may include deferred payments and no-interest periods, subject to terms.
• Documentation fees typically approximate $150 and are usually included in financing.
• Eligibility depends on credit approval, with credit score requirements commonly between 640 and 700.
• Financing options are broadly available nationwide and valid through July 31, 2025.

Consumers should thoroughly review all details and consult authorized dealers to confirm current offers, terms, and product eligibility before making purchasing decisions.

Sources

• Bad Boy Country Mower Financing
• Grasshopper Mower Sheffield Financial Financing
• Country Clipper Financing Promotions

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