If you are looking for a zero turn, it is hard to go wrong with a John Deere mower. They have a reputation for quality, but this quality comes with a price. Take the edge of of your zero turn mower purchase with a financing offer. Get started now.
How Can We Help
If you need a new zero turn mower from John Deere, we can help you secure financing, even if you have bad credit. We can do this because we ourselves are not lenders. This is a good thing because instead, we get you access to a larger group of lenders online. It is important to get in front of more lenders when you have bad credit and here is why.
When you deal with just one lender, you have to meet their specific set of requirements. If you do not match up, you will get denied for your zero turn mower financing. When you deal with a larger group of lenders, you have a lot of different sets of criteria and that means more chances of getting an approval.
Getting Your John Deere Financing Offer
Now that you know our involvement in the process, let’s take alook at how you get your loan offer.
First, you need to fill out the very short loan quote form. it is located at the top of the page and it should just take you a few minutes to complete. It will ask for some very basic information like your address, employer and how much you wish to borrow. You can ask for a loan in any amount that you wish. Get just enough to buy your mower or enough to buy extra accessories.
Once you complete the form, read the terms of service and submit it to the lending group. Then all that you need to do is wait for your answer on financing, it will not take long to get a response.
If approved for financing, you will be directed to the website of the single lender that makes you an offer. There you will be presented with the offer and will have time to review all of the details. Do not blindly accept your financing offer, because not all deals are good ones. Take the time to read all of the details including the total cost of the loan and the loan payment or payments.
Should the offer sound good to you, accept the loan online and your lender will get you the money for your zero turn lawn mower just as soon as possible. Decide that you do not like the offer, just turn it down and look for another way to get your John Deere.
Purchasing Your Zero Turn Mower
If you have decided to accept a loan, now is the time to think about purchasing your mower.
The good thing about getting online financing from a lender in this group is that they will pay you in cash, deposited directly into your bank account. That makes you a cash buyer which comes with a number of benefits.
One benefit is that ability to purchase your mower anywhere. Get financing from a buy here pay here mower store and you are stuck buying from them. That means that they have you over a barrel as far as price and selection goes. With cash in hand, you can buy from any store you like and you can shop for the best price or model.
Another benefit of getting your loan proceeds in cash is that you can shop the used market. Save hundreds of dollars by purchasing a gently used model, just be careful. Often times when you shop the used market you are buying someone else’s problem.
Deciding On Your John Deere Financing
Once you have an offer for John Deere zero turn mower financing in front of you, there are a lot of decisions to be made. Not all loan offers should be accepted and it is up to you to decide just how much you need that mower. Here are some things to consider.
Can You Make The Loan Payment?
First and foremost, you need to make sure that you can make the installment payment. No matter how bad you need a mower, if you are going to come up short every month, you should probably pass on the loan. Insert the payment into your monthly budget and make sure that you have enough money.
Is The Cost Too High?
If you have bad credit, the terms of the loan might just be too high. How much is too high is a personal decision and everyone’s answer will be different. Think long and hard about how much a loan is going to cost you.
Do You Have Other Options?
Last, but certainly not least, think about whether you have other options. For good financial health, you should always look for ways to avoid a loan. Can you save up the money and borrow a mower in the meantime? Would it be cheaper to just pay someone to cut your lawn? Think of all of your alternatives before making a decision.