2025 Lawn Mower Financing Options in the United States

Understanding Lawn Mower Financing in the United States

Financing allows the purchase of lawn mowers through a payment plan instead of a single upfront payment. In 2025, notable financing options for lawn mowers in the United States include:

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

These programs are generally offered nationwide through participating dealers and cover purchases of new equipment.

Financing Providers and Program Details

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

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

Eligibility Guidelines for Lawn Mower Financing

• Financing is typically available for new lawn mower equipment purchased from authorized dealers.
• Minimum loan amounts commonly start from approximately $500 to $1,500, depending on the program.
• Maximum loan amounts can reach up to $75,000, accommodating various needs.
• Many programs do not require a down payment, allowing financing of the full purchase price plus associated fees.
• Credit qualifications often require a score ranging from 640 to 700, with better scores potentially resulting in more favorable terms.

Typical Financing Terms and Interest Rates

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

Interest Rates

• Promotional rates may include 0% APR offers for limited terms.
• Standard interest rates may range from around 3.99% to 14.99% APR, depending on creditworthiness and term length.

Loan Terms

• Loan periods commonly include 12, 24, 36, 48, 60, and 72 months.
• Shorter loan terms generally involve higher monthly payments but less total interest paid.
• Longer terms typically feature lower monthly payments but increased total 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, could be as follows:

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

These payments include a typical loan documentation fee around $150 (about $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).

It is important for consumers to review financing terms carefully to understand when payments and interest charges will apply, as terms can vary by program and dealer.

Fees Associated with Financing

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

Credit Approval and Considerations

• All financing offers are contingent upon credit approval.
• Terms offered depend on individual credit profiles and credit scores.
• Minimum credit scores for more favorable rates often 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 commonly submitted through the participating dealer at the point of purchase.
• Some providers may allow applications online prior to visiting the dealer to facilitate quicker approval.
• Approval decisions can be immediate or take a brief 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 periods 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 of approximately $150.
• Financing is subject to credit approval and offers are valid through July 31, 2025.
• If balances are not paid in full by the end of promotional periods, standard interest rates may apply, which can be significantly higher.
• The Yard Card functions as revolving credit, incorporating both promotional and ongoing APRs.

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

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

Consumers should review all details carefully and speak with 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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