zero-turn mower financing

1 Stop for Zero-Turn Mower Financing

Mower Finance powered by Terrace Finance serves landscaping equipment customers of all credit profiles (prime credit, subprime credit, no credit, challenged credit) with multiple payment solutions through a single application. From good credit to less-than-perfect credit to no credit, the Terrace Finance network of payment solution providers has options to help you find a way to pay over time for the zero-turn mower you need. You can use your approval at our nationwide dealer network or that includes your local favorite dealer and big box stores. Our payment solutions can help you buy any brand of outdoor power equipment, including used equipment.

Why Finance a Zero-Turn Mower?

Zero-turn mowers produce some of the best-looking lawns while having a host of benefits for the owners.

Benefits of Zero-Turn Mowers

  • Speed
    Zero-turn mowers are faster than traditional riding mowers, often reaching speeds of 5-8 MPH or more. Faster speed combined with their larger mowing deck size and ability to turn on a dime enables zero-turn mowers to significantly reduce mowing time. This is especially advantageous for large lawns, commercial properties, and if you’re using your zero-turn mower to generate income.
  • Maneuverability
    Thanks to their independent rear wheel motors, zero-turn mowers can turn within their own footprint. This makes them extremely maneuverable and precise, allowing you to easily navigate around obstacles like trees and flower beds.
  • Traction
    Independent rear wheel motors also allow zero-turn mowers to have better weight distribution on sloped or uneven terrain, so they are not limited to use on flat areas. With proper operation, they can reduce the turn marks that weaken a lawn.
  • Comfort
    Many zero-turn mowers are designed with comfort in mind. They often feature ergonomic seats, adjustable steering levers, and smooth suspension systems, attachments for other devices, and even drink holders. Providing a more comfortable ride for the operator, eliminates physical fatigue especially during long mowing sessions. Homeowners and professionals can both appreciate less fatigue!
  • Customization
    Zero-turn mowers come in a wide range of configurations. Certain models can be customized models depending on the intended use. Deck size, engine capacity, fuel type, add-on accessories such as striping kits, baggers, dethatchers, fertilizers, leaf pushers, and handheld tool holders are all things that can be specified on zero-turn mowers. This is especially important for professionals to consider when the zero-turn mower will receive heavy use daily. The dealers in the Mower Finance network are all experts at helping you find the zero-turn mower configuration that best meets your needs.

How Much Does It Cost to Finance a Zero-Turn Mower?

Monthly payments on a zero-turn mower vary widely depending on multiple factors: Your credit situation, the cost of the equipment, the term length of the program, and whether you choose to pay off early. Access our Outdoor Power Equipment Estimators for consumer or commercial below.

Personal Zero-Turn Mower Programs


Homeowners & Side-Hustlers
  • All credit scores considered
  • No credit needed options
  • Early payoff discounts
  • Same-day and instant decisions
  • All outdoor power equipment eligible
  • Bundle multiple items into one agreement

Click below to view additional program information, credit tiers, and estimate personal zero-turn mower payments:

Commercial Zero-Turn Mower Programs

$500 and up

Landscapers and 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

Click below to view additional program information, credit tiers, and estimate commercial zero-turn mower payments:

What Brands are eligible for Zero-Turn Mower Payment Solutions?

Mower Finance is brand agnostic, meaning approvals through the Terrace Finance platform can be used for any brand of zero-turn mower or other outdoor power equipment. These are just a few:

  • Ariens
  • Bad Boy Mowers
  • Billy Goat
  • Bobcat
  • Bradley Mowers
  • Briggs & Stratton
  • Bush Hog
  • Country Clipper
  • Craftsman
  • Cub Cadet
  • Dixie Chopper
  • Echo
  • EGO
  • Exmark
  • Ferris
  • Grasshopper
  • GreenWorks
  • Husqvarna
  • Hustler
  • Honda
  • John Deere
  • Kawasaki
  • Kohler
  • Kubota
  • Land Pride
  • Lastec
  • Little Wonder
  • Mean Green Mowers
  • RedMax
  • RhinoAg
  • Ryan
  • Scag
  • Shindaiwa
  • Simplicity
  • Snapper
  • Spartan Mowers
  • Spider
  • Stihl
  • Swisher
  • Toro
  • Troy-Bilt
  • Ventrac
  • Walker
  • Wright
  • Worldlawn
  • Yard-Man
  • Yardmax
  • Yanmar

Can I get Approved for a Zero-Turn 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 our payment solution partners won’t approve everyone, we have one of the most comprehensive waterfalls of providers and find solutions for thousands of customers. We’ve curated our payment solution provider network to provide competitive options for a wide range of credits: great credit, 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 multiple payment solution providers that specialize in different 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.


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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: 888-509-1370
Text: 877-202-4165



We route your application through the Terrace Finance payment provider 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 or to an out-of-network dealer of your choice.

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!