Looking for no credit check zero turn mowers? If so, you probably have less than perfect credit. Well, we have good news and bad news for you. The bad news is that there really is no such thing as zero credit check, especially on a 3000 dollar plus machine. The good news is that we still may be able to get you financed, even with bad credit. Give us a minute or two and find out.
Getting A Zero Turn With Bad Credit
It is possible to get a zero turn with bad credit, and we can help you. The key is to get in front of more lenders. More lenders means more chances of getting a Yes. We help you get in front of more lenders because we ourselves are not direct lenders. We simply give you access to an extensive list of lenders online.
Many of these lenders are used to dealing with individuals with bad credit. That means that, while they may not offer no credit check zero turn mowers, they still might be able to get you approved. In any case, it is free to get an offer, so you might as well find out. Take a look at how it all works.
Get Your Offer
The first step is to go ahead and fill out the quote form and get an offer. It is a very short form and you can do it all securely online. Most people can complete it in just a few minutes and then answers come fast.
First, you need to enter in how much you expect to need for your lawn mower. Be sure to include the cost of all accessories and other lawn gear that you think you might need.
Next, you will enter in some information about yourself. Your address, your income information and your bank information. If you accept a loan for a zero turn mower, your lender will use your bank information to send you the money.
Once you are done with the form, give the terms of service a read and click submit. It will then go to the group of lenders for an approval.
If approved, one lender will make you an offer and you will be directed to that lenders website where you can see the terms of the loan. You can then either decide to accept or decline the loan for your zero turn lawn mower.
Get Your Zero Turn
If you decided to accept a loan for a zero turn, your lender will deposit cash directly into your account. They will do this as soon as the very next business day.
Once the money hits your account, you can immediately use it to go purchase your mower and you will be doing so as a “cash buyer”. Being a cash buyer means that you can shop at any dealer that you want and get the exact model that is right for you. No being limited to one location at an inflated price.
There are a lot of advantages of being a cash buyer besides being able to shop at any dealer.
It also allows you to shop the even more lucrative used market. Get a slightly used zero turn for a discount and save hundreds of dollars.
In addition, you can also request and use extra money for all of the little accessories that you need. Get a pull behind cart for your mower, a brush hog or even a new patio set. This would be a cash loan, so the money is yours to do with as you please.
Improving Your Loan Approval Odds
If you are in search of no credit check zero turn mowers, you are probably concerned about getting an approval. We can help with that with a few tips that can improve your odds of getting that precious, yes. Here are some tips.
Increase Your Credit Rating
Easier said than done right? Well maybe not. There are some quick ways to boost your score in a month or so.
For starters, before you apply for zero turn financing, pull your report and look for errors. Dispute anything that is incorrect and give the credit bureaus about 30 days to get things straight.
Also, try to get balances down on revolving credit. If you are carrying more than 30 percent on your credit cards, it is hurting your score.
Finally, look into Experian Boost. It uses your bill payment history to increase your score on your Experian file. It is just one of the three bureaus, but it helps.
Make More Money
Lenders like to see as much income as possible. The more money that you can show on your application, the better your debt to income ratio will be.
Think about all of your sources of income and account for them on your application. If you need a boost, get a part time job for a bit. The extra income can come in handy on getting that approval and paying off other debt besides your zero turn mower loan.
Go With A Buy Here Pay Here Dealer
If all else fails and you can not get approved, consider a buy here pay here mower dealer. The mower prices are generally a bit inflated and the selection is often limited, but if you are desperate, it might be an option.
Look at places like Aarons and Conn’s.