How to Get Lawn Mower Financing With Bad Credit

A lawn mower is an expensive equipment that not everyone can afford to pay at once. For that reason, getting funding is the only option for most people. The first thing that comes into your mind when you think of funding or financing is a loan. However, not everyone qualifies for a lawn mower financing. And even if you qualify, there are limited options since not all lenders give such loans.

One of the major challenges when looking for lawn mower financing with bad credit. Most lenders consider consumers with excellent credit ratings. That means those with bad credits can find it so hard to secure funding. Unfortunately, there are millions of people across America with average to bad credit scores. According to a report by Experian, these people form approximately 41% of Americans.

If you belong to the statistics of people with bad credit and need lawn mower Financing, we’re for you. We’ve compiled a list of options for you can secure financing and get your dream lawn mower. So, tag along as we explore these options;

Best 4 Options For Lawn Mower Financing With Bad Credit

The fact that securing financing with bad credit is hard doesn’t make it impossible. Moreover, some companies partner with lenders to make it easy for customers looking for funding. Although, some of those lenders have very limited terms which you may not like. Without which you’ll have to look for your own lender. To help you in the search for a befitting lawn mower lender, we’ve compiled a list of top companies. With these, you’re sure your bad or non-credit record won’t influence their decision.

1. Upgrade Offer Lawn Mower Financing

Looking for lawn mower funding and your credit score is too low? The Upgrade is a good choice for you. The company has several features that favour those who need small loans. Additionally, they allow you to check your rates and eligibility without dealing your credit score a blow. Unlike other lenders, upgrade uses free cash flow to determine applicants’ eligibility. That means if you have a good cash flow, you can easily qualify for a low-interest loan rate compared to others.

Lawn mowers cost from hundreds to thousands of dollars. With Upgrade, you can get a lawn mower loan for as little as $1000. And bad credit is not an impediment with this company. They give loans to people with fair or bad credit scores.


  • They allow a soft credit pull to determine your rates
  • Gives loans to people with fair and bad credit scores
  • Their fee ranges between 2.9 -8%
  • The processing and deposit can take as short as 24-hour
  • The repayment is either within 36 or 60 months.
  • Charges a late payment penalty fee of $10

2. Upstart Offer Lawn Mower Financing

Doesn’t matter how quickly you need your lawn mower. Upstart can finance the project by depositing the money in your account within a single business day. The good news is that the company gives a large range of loan amounts. So, you can buy your expensive mower without a worry and or spent the rest on other expenses.

Additionally, they allow you to assess your rates without a hard search of your credit history. That means your credit score won’t be affected. So, if you have bad credit, consider checking out Upstart. Although, the minimum credit score may vary from one state to another. Therefore, when checking, consider including your state of residence.


  • Allows soft credit pull to determine your rates
  • Late payment attracts between 5% to 15% of payment
  • Payment duration is either 36 or 60 months
  • Approval and funds deposit take as short as 24 hours
  • Origination fee ranges between 0-8%

3. Try Personal Loan For Lawn Mower

Besides lawn mower lenders, you can also secure personal loan financing to buy your mower. There are several lenders who consider people with bad to fair credit scores. However, depending on your credit score, you may have to pay very high interest. The loan limit may also be too low such that you may not be able to secure full financing.

In a way, personal loans are advantageous in a way. For instance, you have the freedom to buy the lawn mower of your choice. You can also use the money for other things.

4. Loan Alternatives For Lawn Mower

Before signing up for that loan, you should ask yourself whether it is the only option. You also need to consider how you intend to use the lawn mower; is it a residential or commercial investment. That should guide you in making your final decision

If you are looking for a residential mower worth bad credit, getting a loan may not be the best decision. Considering the amount of interest charged by these lenders, saving until you can buy one is a good move. Besides you can still manage with your ordinary methods until you can afford a quality mower.

On the other hand, it’s worthy to seek loan financing to purchase a commercial lawn mower. It is possible to generate the funds used on the purchase and the interests. Though, other than buying a new lawn mower, you can consider other means of ownership. For example, there are retailers who offer their mowers on rent to own basis. That requires a customer to hire the equipment on monthly basis and pay some amount towards its ownership.

Such arrangements can save you the harsh terms that sometimes characterize bad credit financing.

How Does Your Credit Score Rating Factor In?

In the event you apply for a personal loan to finance your lawn mower acquisition, the lender most likely performs a hard credit pull. This will ultimately affect your credit score. Therefore, you need to be extremely cautious of the lenders you approach for funding.

Advantages of lawn mower financing

  • They are inexpensive compared to credit cards
  • Most loaners have flexible repayment terms.
  • People with bad credit ratings can also secure funding
  • You don’t need to give any collateral


  • You must pay a certain amount of money as agreed otherwise suffer the penalties
  • Most lenders especially those that accept people with bad credit charge high interests


Is it advisable to take a personal loan for a lawn mower with bad credit?

The decision to take a personal loan or not depends on why you need the mower. Unless you don’t have other options and the needs are pressing, then you can go ahead. Although, if you can wait until your credit score improves the better.

What should one consider before picking a lender?

Before deciding on the company to approach for lawn mower financing, there are several things to consider. Top on the list should be the interest rate. How much does the company charge per month? The higher the interest, the higher the possibility of defaulting. Other factors you should also consider include;

  • Repayment duration
  • Minimum credit score
  • Hard credit search
  • Where or how you want to use the lawn mower

Final Recap

Who doesn’t like a well-tripped lawn? That’s why the manufacturers are bringing new designs of mowers every single day. It has also become a huge venture that one can generate income from. Other than buying a lawn mower for your own use, a commercial mower is a good idea. Even if you had acquired it through a loan, it is to raise the money and repay back with interest. Securing Financing for a lawn mower with bad credit isn’t a walk in the park.

That’s why we’ve dedicated this article to ways people with bad to zero credit scores can get funding. So, with all the options we’ve provided, you’re better equipped to make the right decision when it comes to buying a lawn mower.