If you are looking for buy here pay here zero turn mowers, we may be able to provide you with an even better option. Secure an online loan for a zero turn, even with bad credit, and shop for your mower anywhere you like. Get the exact mower that you want and shop for the best price at any dealer. Get started now.
Why Choose Online Zero Turn Financing?
There are quite a few reasons to shop for an online loan versus going with a buy here pay here zero turn mower.
For starters, when you go with one of these stores, you are limited to the selection that they have in stock. You have to choose only one of the models that they carry and the price is usually inflated. They do not have to even negotiate price with you because they know that you are stuck buying with them. That gives them a lot of power.
Take that power out of a dealers hand by getting financing online. Then, you can shop at any location that you like. That means that you can choose the exact mower that is right for you and you will have the ability to shop for the best price. If a dealer knows that you are not stuck buying from them, the will be much looser with the purchase price.
Getting zero turn mower financing online can also often be much easier. We get you access to a large group of lenders that can get you that approval, even if you have less than perfect credit. We ourselves are not lenders and that is a good thing, because the last thing that you would want to do is deal with one single lender if you have bad credit. More lenders equals more odds of getting a Yes.
Getting Your Zero Turn Loan Offer
Getting an offer is easy and takes just a few minutes for most people. Here is what you need to do.
Head on up the page and fill in the very short online quote form. Enter in how much you expect to need to borrow and then some information about yourself. You will also enter banking information because this is how your lender will get you the money for your loan. They pay you directly and that allows you to buy your zero turn mower just like any other cash buyer.
Once you have completes your quote form, you can submit it and simply wait for an answer. In most cases, it you should have your answer very quickly. If approved for a loan, one lender will make you a financing offer and you will be sent to their particular website where you can review the details of the loan.
This next step is very important. Once at the lenders website, you need to review all of the details of your zero turn lawn mower financing offer carefully. This is always important, but particularly so if you have bad credit, because not every loan will be a good one.
Make sure that you understand all of the details of the loan and if you have questions, make sure that your lender clarifies things with you before you proceed. Of particular importance is the amount of the loan payment and the total cost of the loan. Make sure that you can afford to pay back the loan and that the total cost is not too much.
Last, but certainly not least, it is time to make your decision. If the offer was to your liking you can accept it and your lender will deposit money directly into your checking account. If you do not like the offer, you can just walk away.
Saying Yes Or Not To The Offer
Just because you received an offer for that mower does not mean that it is a good one. You need to take the time to read all of the details and then make an educated decision. This is especially true if you have bad credit and were originally looking for buy here pay here zero turn mowers. Here are some things to think about.
How much do the fees and/or interest add up to?
One detail that you should pay attention to is the total cost of the loan. This is the total amount that you would end up paying if you carried the loan to term. It includes the principal, fees and interest.
Compare this number to the original loan amount and decide if the cost is worth it. For example, if you are borrowing 3000 dollars and paying back 6000 dollars, is the cost worth it? Only you can make that decision because everyone’s situation is different.
Will the payment fit into your budget?
You have a budget right? If not write up a simple one, being sure to include all your expenses. Do not forget to add in money for things like food, gas and entertainment.
Once you have your budget, add in the cost of your zero turn lawn mower payment. Then, compare it to your monthly take home pay. Once you do that, you can make an accurate decision as to whether or not you can afford that payment.
Do you really need that zero turn mower?
Finally, be honest with yourself as to whether you need that zero turn mower. Could you get by with a smaller mower. If you are cutting less than an acre, a garden tractor might be a more reasonable purchase. Also, compare that monthly payment to the cost of having a service cut your lawn. You might be surprised.
Buying Your Zero Turn Mower
Buying your new mower is much easier with online financing than it would be if you went with “buy here pay here zero turn mowers”. This is because you can buy your mower wherever you like. You can also choose to go to the used market if that suits you better.
When choosing a mower, you need to choose the mower size carefully. Go too small and you negate a lot of the advantage of going with one of these machines. Go too big and you get a mower that might be too awkward to use effectively on your property. Choose carefully.
Besides function, form is often a factor when choosing a zero turn mower. Take a look at some zero turn mower pictures and get an idea about what style you are looking for. You will be on this thing every week, so you might as well enjoy it.