Mower Finance logo

Pay Over Time
for Outdoor Power Equipment

  • Personal Amounts of $200-$30,000
  • Business Amounts of $500 and Up
Dixie chopper logo

Payment Solutions Built for the Landscaping Industry

Because we are not a lender, but represent a range of lenders, we are able to serve a full spectrum of credit profiles and dollar amounts.
Your application will be automatically routed to the program and lender that are the best match for your credit profile and needs.

  • All Credit Profiles Considered
  • No Credit Needed Options
  • Instant Decisions Available
  • Early Payoff Options Available
  • Include Multiple Items or Accessories
  • Term Length Options
  • New & Used Equipment Eligible
  • Commercial and Personal Options
PERSONAL APPLY

Applications in your personal name

BUSINESS APPLY

Applications in the name of a business

ANY BRAND — ANY CHORE


All brands and types of outdoor power and landscaping equipment are eligible!
Accessories and multiple items may be bundled into a single transaction.

Lawn Tractors
Robotic Mowers
Trimmers
Zero-Turn Mowers
Chainsaws
Blowers
Commercial Mowers
Honda lawnmower
Push Mowers
Backpack Blowers
Aerator Attachments
Chain Saws
Ground Blowers
  • Aerators
  • Hedge Trimmers
  • Sprayers
  • Arborist Equipment
  • Lawn Tractors
  • Stand-On Mowers
  • Augers
  • Leaf Blowers
  • String Trimmers
  • Backpack Blowers
  • Power Washers
  • Stump Grinders
  • Chain saws
  • Protective Gear
  • Trenchers
  • Chippers
  • Push Mowers
  • Walk-Behind Mowers
  • Edgers
  • Riding Mowers
  • Zero-Turn Mowers
  • Generators
  • Robotic Mowers
PERSONAL APPLY

Applications in your personal name

BUSINESS APPLY

Applications in the name of a business

THE POWER OF OUR NETWORK

Apply with us, get preapproved, and leverage our dealer and manufacturer partnerships to find the outdoor power equipment you need.
We work with over 2000 local dealers as well as national chains such as Home Depot and Lowes.
Have a favorite dealer? We’ll work with them to get your deal done!

PERSONAL APPLY

Applications in your personal name

BUSINESS APPLY

Applications in the name of a business

HOW IT WORKS

APPLY

Apply on your phone, tablet, or laptop with our simple application powered by Terrace Finance.

GET MATCHED

We route your application through the Terrace Finance lender network to find a payment solution for your unique credit profile.* Once approved, you’ll know your purchasing power!

SHOP

Need help finding a dealer?
Mower Finance has a large network of retail partners, from national chains to local mom & pops carrying many brands for you to choose from.

Already working with a dealer?
No problem. We can work with most retailers even if they are out of our network.

FINALIZE

We’ll assist with the remainder of the transaction so you can start enjoying your items!

*Approval and approval amount are subject to credit eligibility and not guaranteed.

BASIC REQUIREMENTS*

  • Credit score of 550 or higher
  • Mostly on-time payment history — a few dings are OK!
  • On the job for 6 months or more
  • No bankruptcies in the last 6 months
  • Net income of $1300 or more per month (takehome pay after taxes and deductions)
  • Must be 18 years or older
  • Got those covered?

Grab these and get started:

  • Valid photo ID
  • Recent pay stub
  • Bank routing and checking or savings account
  • Valid email address and phone number
  • Valid Social Security number (SSN) or Taxpayer ID number (ITIN)

*Requirements quoted are based on a middle-tier personal program. Other programs above and below this one are available depending on credit eligibility. Your application will be automatically routed to an appropriate program. Commercial programs are outlined here.

PERSONAL APPLY

Applications in your personal name

BUSINESS APPLY

Applications in the name of a business

business customers

Transactions of $500-$1M+*

  • Instant Decisions Available up to 15K
  • New Businesses Welcome
  • Credit Scores of 625 and Up
  • Express Option with No Documents Required
  • Seasonal Payment Programs Available
  • Tractors and Ag Equipment Eligible
  • Bundle Multiple Items into Single Agreement
  • New & Used Equipment Eligible
SEE PROGRAMS
PERSONAL APPLY

Applications in your personal name

BUSINESS APPLY

Applications in the name of a business

one application — multiple lenders

Our process is simple. One application provides access to multiple lenders within the Terrace Finance network and payment solution programs designed to meet your unique credit profile and needs.

customers are talking

Awesome!

Awesome service and very prompt!
Rick V.
Rockwell City, Iowa

Huge variety of good stores!

Great loan terms, lots of different lengths and variables to choose from! Also a huge variety of good stores to take the loan to, I’m grateful for Terrace Finance this year!
TJ H.
Zanesville, Ohio

I got approved!

My credit score isn’t great. I got approved with a 590 and replaced my crappy mower with a John Deere zero-turn.
Robert J.
Conway, Arkansas

Lifesaver!

We didn’t have the cash to buy a mower for our new property. Terrace Finance found us a lease that allowed us to get one right away with no penalty if we decide to pay it off early.
Beth P.
Houston, Texas

Low down payment!

This company is awesome! Drove 3.5 hrs to pick up my new 0 turn. Low down payment and good rates.
Michael C.
Henderson, North Carolina

Really good experience!

I had a really good experience in customer service and had every question answered with out hassle.
Noah G.
West Ellis, Wisconsin

Our Mission

Mower Finance is committed to finding creative and effective payment solutions for landscaping industry customers through a hassle-free process. Because we are not a lender but represent a range of lenders, we are able to serve a full spectrum of credit profiles and transaction amounts. Through the streamlined application process we provide on the Terrace Finance platform we aim to make Mower Finance your 1-stop shop for financing.

Talk to a Customer Care Specialist

888-464-6256

Hours:
Mon-Sat 9AM-11PM (EST)
Sunday 10AM-8PM (EST)