Mower and lawn equipment financing
Zero-turns, stand-ons, riding mowers, compact tractors and the trailers that move them — for homeowners and for crews who need the machine working on Monday.
The short version
A homeowner zero-turn runs roughly $3,500 to $7,000 and a commercial-grade machine $9,000 to $18,000. Homeowners use consumer programs up to $15,000 on a lease or $50,000 on an installment loan. Landscaping businesses should use commercial equipment finance from $500 instead, which considers credit profiles from roughly 500 FICO and generally prices better than a consumer lease.
Realistic expectations
What machines cost and which route fits
The homeowner and the crew should not use the same program. The business route is usually cheaper.
| Machine | Typical cost | Homeowner route | Business route |
|---|---|---|---|
| Residential zero-turn | $3,500–$7,000 | Lease or installment loan | Equipment finance |
| Commercial zero-turn | $9,000–$18,000 | Installment loan | Equipment finance |
| Stand-on mower | $8,000–$14,000 | — | Equipment finance |
| Riding lawn tractor | $2,000–$4,500 | No credit needed, or lease | Equipment finance |
| Compact tractor | $15,000–$45,000 | Installment loan | Equipment finance |
| Trailer and ramps | $2,000–$8,000 | Lease | Equipment finance |
| Handheld crew package | $1,500–$5,000 | Lease | Equipment finance |
Ranges reflect published program terms. Approval, approval amount and terms are determined by the provider after underwriting and are not guaranteed.
Which route
Homeowner or business? It changes the price
This is the single most consequential decision on this page, and most people get it wrong by default.
Homeowner
Consumer programs: installment loan to $50,000 if your credit qualifies, lease to $15,000, or no-credit-needed to $7,500 on a smaller machine.
Landscaping business
Commercial equipment finance from $500, with the machine itself as security. Credit profiles from roughly 500 FICO, start-ups considered, and seasonal payment structures that match a mowing season.
Why the business route prices better
An equipment lessor can remarket a used commercial mower, so it carries less risk than a consumer lease on the same machine. That difference shows up directly in the payment.
Buying well
Four things that matter on a mower deal
Seasonal payments exist — ask for them
Commercial programs can structure payments around a mowing season, lighter in winter and heavier in summer. Nobody offers this unless you ask.
Used machines are financed too
A two-year-old commercial zero-turn with known hours is often the better buy. Age and hours affect the term rather than disqualifying it.
Finance the trailer with the mower
A machine you cannot transport is not a working asset. Trailers, ramps and tie-downs belong in the same approval.
Check the deck width against your gates
The most common regret on a homeowner zero-turn purchase is a 54-inch deck that will not fit through a 48-inch gate.
Specialist dealers
Buying through a dealer network
Outdoor power equipment is sold almost entirely through independent dealers rather than big-box retail, and dealers in the merchant network can present financing at the point of quote.
Terrace Finance also operates a dedicated outdoor power and powersports division for dealers, with programs built around that category specifically.
Dealers: offer it at the counter
If you sell mowers and do not yet offer financing, a $9,000 machine is a very different conversation at $240 a month. See merchant information.
Questions
Common questions
Can I finance a zero-turn mower with bad credit?
Yes. A consumer lease covers up to $15,000 on fair or rebuilding credit. For a business, equipment finance considers profiles from roughly 500 FICO and usually prices better.
Should I finance as a homeowner or as a business?
If the mower earns money, use the commercial equipment route. It is generally cheaper, because the machine secures the transaction and has a resale market.
Can I finance used equipment?
Yes. Used commercial mowers are financed routinely. Age and hours affect the advance rate and term rather than ruling the deal out.
Are seasonal payments available?
On commercial programs, yes — payments can be weighted toward the mowing season. Ask for it specifically.
Can I include a trailer?
Yes. Trailers, ramps, handheld equipment and accessories can be financed alongside the mower on one agreement.
Keep reading
Related pages
See what you qualify for
One application, the whole lender network. Looking starts with a soft credit check and will not affect your score.