Mower Finance logo

mow now – pay later!

ways to pay over time for all credits

  • Personal Amounts of $50-$75K
  • Business Amounts of $500 and up

One Stop for Landscape Equipment Financing & Leasing

We love helping people find a great lawn mower and a way to pay. Mower Finance powered by Terrace Finance represents a network of 50+ 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 and lease 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 unmatched range and a hassle-free process.

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

All Credit Profiles
& Commercial
Any Make
or Model
New & Used

Applications in your personal name

Applications in the name of a business



Programs for 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


$500 and up

Programs for 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




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



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.



You will receive instructions on how to 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!



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.

Applications in your personal name

Applications in the name of a business


Through the Mower Finance network of dealers, you can find any brand or model you are looking for. All brands and types of outdoor power and landscaping equipment are eligible — these are just a few! Accessories and multiple items may be bundled into a single transaction.


We work with over 4000 local dealers nationwide as well as national chains such as Home Depot and Lowes.
Have a favorite equipment dealer? We’ll work with them to get your deal done!

Don’t see your favorite dealer?
Let us know and we’ll track them down.

Applications in your personal name

Applications in the name of a business


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 proof of income, monthly housing cost (ie rent or mortgage), may be required depending on the lender/lessor program you are matched with.

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: 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:

A: We work with multiple consumer lenders/lessors that service a range of credit profiles. Terms vary by the lender/lessor and loan or lease program you are matched with during the application process. With multiple lenders/lessors 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 and commercial can be found by clicking the SEE PROGRAMS buttons in our programs section.

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: While we love landscape equipment and deal in mowers 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 the following in order to best help you:

  • Will the mower be used for business or personal?
  • 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 for your landscaping business? Upgrading to larger deck or faster machine may be a consideration.
  • Are you open to the idea of pre-owned mowers and equipment?

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 ( 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: 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, 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

A: Be sure to check your junk email folder for crucial messages from

Commercial applications are only processed on weekdays between 9am & 5pm EST. Consumer applications are handled on weekdays and weekends for extended hours.

If you did not receive an email, it is possible there is a piece of missing information that is holding up your application. Please call for assistance from a live Customer Care team member at 888-509-1370 during business hours.

They’ll let you know your application status and what the next steps are.

A: It is very likely that we have a participating mower dealer near you! There are over 2200 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 888-464-6256 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.


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 do we 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 factors like income, debt-to-income ratio, the nature of existing debt, payment history and more.