Mower Finance logo

READY. SET. MOW!

Mower Financing & Leasing for All

  • Personal Amounts of $200 – $50K
  • Business Amounts of $500 – $500K
PERSONAL APPLY
BUSINESS APPLY
  • Toro logo
  • Lastec logo
  • Dixie Chopper logo
  • Bradley Mowers logo
  • Bad Boy logo
  • Cub Cadet logo
  • Grasshopper logo
  • Husquvarna logo
  • John Deere logo
  • Gravely logo
  • Wright logo
  • Kubota logo
  • EGO logo
  • Bobcat logo
  • Spartan logo
  • Scag logo
  • Ferris logo
  • Hustler logo
  • Exmark logo

One Stop for mower Financing & Leasing

Mower Finance is here to help people find mower financing & leasing regardless of credit profile. We represent a network of payment solution providers serving the full spectrum of credit profiles and dollar amounts through a SINGLE APPLICATION. A variety of financial products including installment loans, finance agreements, and lease-to-own options are available. Our program lineup is curated to handle the business and personal landscape equipment finance needs for the most people with a hassle-free process.

Through the Mower Finance network of dealers, you can find any brand or model of zero-turn mower and all the other landscape equipment you need. Let’s go!

All Credit Profiles
Considered
New & Used
Equipment
Any Make
or Model
Early Purchase
Options
PERSONAL APPLY

Applications in your personal name

BUSINESS APPLY

Applications in the name of a business

LANDSCAPE EQUIPMENT PROGRAMS

Mower Finance powered by Terrace Finance represents a network of payment solution providers serving the full spectrum of credit profiles and dollar amounts. Our program lineup is curated to handle the business and personal landscape equipment finance needs for the most people with unmatched range and a hassle-free process.

Personal

Transactions of

$50 -$50K

Applications in the name
of an individual

Commercial

Transactions of

$500 and Up

Applications in the name
of a business

Municipal

Transactions of

$15,000 and Up

MUNICIPAL APPLICATION
Applications in the name of a city, county, state or other government entity
PERSONAL APPLY

Applications in your personal name

BUSINESS APPLY

Applications in the name of a business

PERSONAL PROGRAMS

$50-$75K

Homeowners & Side-Hustlers

  • All credit scores considered
  • No Credit Needed options
  • Early payoff discounts
  • Bundle multiple items into one agreement
  • Same-day and instant decisions
  • Flexible Payback options

COMMERCIAL PROGRAMS

$500and up

Landscapers & Other Businesses

  • New businesses welcome
  • Instant decisions available up to $15K
  • All credit scores considered
  • Seasonal payment programs available
  • Tractors and ag equipment eligible
  • Bundle multiple items into one agreement

HOW IT WORKS

aPPLY ICON

APPLY

Apply online through our simple application powered by Terrace Finance. Reach out to our live customer care team any time during the process if you have questions or need help:
Call: 888-464-6256
Text: 877-202-4165

GET MATCHED ICON

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!

Commercial customers may be contacted to better understand their business goals.

SHOP ICON

SHOP

You will receive instructions on how take your approval to a member of the Mower Finance Dealer Network, order from a national chain through us, or use an out-of-network dealer.

You have 30 days to use your approval, so you can take your time choosing the right model!

FINALIZE ICON

FINALIZE

Review and e-sign the documents, and we’ll finalize the transaction with the merchant lickety-split so you can start mowing!

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

PERSONAL APPLY

Applications in your personal name

BUSINESS APPLY

Applications in the name of a business

NATIONWIDE NETWORK OF EQUIPMENT DEALERS

Enter your zip code and click SEARCH to find equipment dealers near you.
We also work with Home Depot & Lowes.

      PERSONAL APPLY

      Applications in your personal name

      BUSINESS APPLY

      Applications in the name of a business

      ANY BRAND — ANY MODEL

      All brands and types of outdoor power and landscaping equipment are eligiblefor mower financing & leasing — these are just a few!
      Accessories and multiple items may be bundled into a single transaction.

      • Zer-Turn mowers
      • Ferris stand-on zero turn
        Ferris Z3X
      • Cub Cadet electric zero turn mower
        Cub Cadet Ultima ZT1 Electric
        42-in 56-volt MAX 60 Ah Litium-Ion
        Electric Drive Zero-Turn Mower
      • Dixie Chopper zero-turn mower
        Dixie Chopper Black Hawk 54″ 24HP
        Kawasaki FS 72cc Engine
        Zero Turn Mower
      • Bad Boy Zero turn mower
        Bad Boy Outlaw Renegade 61″ 24.7 HP
        Perkins Diesel 1.1L 3-Cylinder
        Zero-Turn Mower
      • Scag zero turn Mower
        Scag Turf Tiger II 72″ 40HP Briggs
        & Stratton Vanguard Big Block engine
        Zero Turn Mower
      • Cub Cadet zero turn mower
        Cub Cadet Ultima ZTX4 48-in 23HP
        V-Twin Kohler 7000 Pro Series Engine
        Zero Turn Mower
      • Toro zero-turn mower
        Toro Titan Max 60-in 26HP Commercial
        V-Twin Gas Hydrostatic
        Zero Turn Mower
      • Husquvarna zero-turn mower
        Husquvarna 54-in 23HP
        Kawasaki Gas Hydrostatic Engine
        Zero Turn Mower
      • MOWERS Zero Turn carousel Riding Mowers MF400px
      • Cub Cadet Electric Lawn tractor
        Cub Cadet XT1 Enduro Electric Drive
        LT 42 in. 56-Volt MAX 60 Ah Battery
        Lithium-Ion Riding Lawn Tractor
      • Kubota Lawn Tractor
        Kubota T2080 20HP 44-in
        20HP Gas Engine
        Riding Lawn Tractor
      • Husquvarna lawn tractor
        Husquvarna YTH18542
        18.5-HP Hydrostatic
        42-in Riding Lawn Mower
      • Craftsman lawn tractor
        Craftsman T2200 Turn Tight
        19.5 HP Hydrostatic 42-in
        Riding Lawn Tractor
      PERSONAL APPLY

      Applications in your personal name

      BUSINESS APPLY

      Applications in the name of a business

      FREQUENTLY ASKED QUESTIONS

      A: Apply online through the apply link on this page or on our site. The Terrace Finance platform will work to match you with a compatible lender/lessor and return a finance offer to you*.

      Once approved, you will know how much you have to shop with. Look for an email from our Customer Care team (info@terracefinance.com) with instructions on how take your approval to a member of the Mower Finance Dealer Network, order from a national chain through us, or use an out-of-network dealer.

      You have 30 days to shop around to different dealers and select the perfect model for you.

      If any point you have any questions or concerns, Customer Care is here for you.
      Call: 888-464-6256
      Text: 877-202-4165

      When your product choice has been made, a Customer Care team member will help you fulfill your order with the merchant. When your contract with the lender/lessor is signed, your items will be released to you or ordered and scheduled for delivery or pick up (if available).

      Pay over time through the lender/lessor.

      *Approval and approval amount are subject to credit eligibility and not guaranteed. Must be 18 or older to apply

      A: Terrace Finance is the parent company of Mower Finance and provides the application portal and lender/lessor network portion of our service. Mower Finance is the equipment dealer network portion of our service. Note the “powered by Terrace Finance” under the Mower Finance logo. You are in the right place!

      A: When submitting an application, the following information will be required:

      • Personal Information (name, address, phone number, SSN, etc.)
      • Employment Information (status of employment and employer name)
      • Income
      • Additional details such as banking information, proof of income, monthly housing cost (ie rent or mortgage), may be required depending on the provider and program you are matched with.

      A: If you prefer the contract to be in the name of your busines, then you must complete the commercial application.

      If you don’t have a business, but just want commercial grade equipment, complete the consumer application. If the equipment is mostly for personal use, but you might service a few lawns occasionally to make extra cash, then complete the personal application.

      A: Our lenders/lessors offer programs that cover consumers across the credit spectrum from perfect credit to no credit. Qualifications vary by the lender/lessor but in addition to credit score, most providers take a look at payment history, debt-to-income ratio, income, and employment. We pride ourselves on providing a pathway to ownership for people with less than perfect credit, however approval and approval amount are not guaranteed.

      A: The answer is YES! But we dislike the terms “bad credit” or “challenged credit” or “subprime credit”. Can we just call it “less-than-perfect credit”? While we can’t approve everyone, it is our mission to help more people get the lawn mower they need through our hassle-free process. We’ve curated our payment solution provider network to provide options for a wide range of credits: good credit, average credit, challenged credit, as well as those with no credit history.

      A: YES! For new businesses, the decision is based on your personal credit and industry experience. Helping newbies just starting out is our specialty, so by all means, complete the commercial application. We’d like to help you build your business credit history.

      A: Short answer: maybe…Terrace Finance conducts what is called a “soft credit pull” to take a glance at your credit score and route your application to a lender that is within range. A soft credit pull does not affect your credit score.

      Once you are routed to a lender/lessor, they may need to conduct a “hard credit pull” to confirm eligibility. This is a necessary step for many lenders/lessors, especially when the requested dollar amounts are higher.

      If you are routed to a No Credit Needed provider based on our soft inquiry, then no hard credit pull will occur.

      Review our credit pull policy here:

      Credit Pull policy

      More information on soft & hard credit inquiries and how they affect your score can be found on the FICO site: https://www.myfico.com/credit-education/credit-reports/credit-checks-and-inquiries.

      A: There is no one rate. We work with multiple payment solution providers that service a range of credit profiles. Terms and costs vary by the provider and program you are matched with during the application process. With multiple providers available, it is not possible for us to know before you apply, which program you will be a candidate for or provide an accurate quote.

      Estimates for personal programs can be calculated here.

      Estimates for commercial transactions can be calculated here.

      Upon approval you will be given payment specifics and, depending on the lender/lessor, term length options which affect the payment and total cost. You are under no obligation to sign the final agreement unless the offer meets your needs.

      Commercial customers may call us to speak with a Commercial Team member about being given a free proposal before beginning the application.

      A: The most common reasons for being declined or assigned a different provider with a smaller approval amount after being approved is misstated income. Please be mindful when completing the application not overstate your income. This will be discovered in the verification process.
      Another culprit could be an invalid ID.

      A: Click the LOG IN link in the topbar at mowerfinance.com. Enter the email you used when applying. Click Forgot Password and follow the prompts to set a password. Once you are in the portal, click on Existing Applications to see the status or your offer.

      In addition, Terrace Finance sends text and email notifications from info@terracefinance.com. Most of our payment providers also send communications via email/text, so be on the lookout.

      A: It is very likely that we have a participating mower dealer near you! There are over 4000 landscape equipment dealers in the Mower Finance Dealer Network. Click on FIND DEALERS NEAR ME here and type your zip code into the search window. We can also work with your favorite dealer even if they are not listed, just give us a call at 888-509-1370 to arrange.

      We also work with Home Depot and Lowes. Just collect your product links and we will take care of the transaction for you and arrange for pick up or delivery.

      A: While we love mowers and deal in landscape equipment all day long, the best place to find information on specific makes and models is to speak to a salesperson at a dealership. Before you go, a good sales person will want to know your answers to the following in order to best help you:

      • Will the mower be for business or personal use?
      • How large is your property or how many lawns do you estimate you will mow per week?
      • What is your budget (that’s why we encourage you to apply before shopping)
      • What are the shortcomings of your current machine if you have one.
      • Are you looking to increase efficiency? Upgrading to larger deck or faster machine may be a consideration.
      • Are you open to the idea of pre-owned equipment? This can be an economical way to great mower.

      A: Go ahead and reset your password by clicking the “Forgot Password?” link under the window and following the prompts.

      A: We are here for you! A live Customer Care team member will be happy to assist you over the phone at 888-464-6256 or via text at 877-202-4165 during business hours.

      If you need to take a break, or go hunt for documents, don’t worry. Your progress will be saved. You can log back in to continue. The login button can be found in the upper right corner of our website or you can follow the link in the welcome email you received (from info@terracefinance.com).

      A: If you intend to shop with Home Depot or Lowes, you must apply online through any of our Mower Finance apply buttons.

      If you have a dealer in mind, and see them on our dealer map, you can apply at the store. Be sure to bring your ID, banking info (such as a statement or acct number), and possibly proof of residency such as a utility bill. Ypu may not need all that, but it saves you as trip home if it’s needed. Look for our QR code application flier at the register or tell a sales person you wish to apply with Mower Finance. They may also have their Mower Finance application link on their site or social media.

      That said, many people prefer to apply at home before they shop so they can gather any required documents easily and have privacy. Just let the store know when you arrive that you already applied and they’ll know what to do. We’re just a call away if you need any assistance: 888-509-1370.

      A: Be sure to check your junk email folder for crucial messages from info@terracefinance.com.

      If you did not receive an email with fulfillment instructions, it is possible there is a piece of missing documentation that is holding up your application. Some of our providers require banking information and other documentation. Please call for assistance from a live Customer Care team member at 888-509-1370 during business hours.

      Or go to your account by clicking the LOG IN link in the topbar at mowerfinance.com. Enter the email you used when applying. Click Forgot Password and follow the prompts to set a password. Once you are in the portal, click on Existing Applications to see the status or your offer.

      Please Note: Some but not all commercial applications are only processed on weekdays.

      CUSTOMER FEEDBACK

      CAN I GET APPROVED FOR A MOWER IF I HAVE BAD CREDIT?

      The answer is YES! But we dislike the terms “bad credit” or “challenged credit” or “subprime credit”. Can we just call it “less-than-perfect credit”? While we can’t approve everyone, it is our mission to help more people get the lawn mower they need through our hassle-free process. We’ve curated our payment solution provider network to provide options for a wide range of credits: good credit, average credit, challenged credit, as well as those with no credit history.

      How does Mower Finance get more people approved?

      • By having access to more payment solution providers at all credit levels, we can route your application with greater confidence.
      • Our providers do not base decisions solely on credit score. They look at income, debt-to-income ratio, the nature of existing debt, payment history and more.