bookmark_borderGet A Zero Turn With Bad Credit

If you need a zero turn mower, but have bad credit, you are probably scratching your head looking for a solution. Luckily, we may be able to help you get an offer, even with that bad credit. Find out in just a few minutes. To start, how much do you expect to need to borrow.

A man who got a zero turn with bad credit.

A Loan For Bad Credit

For most people, a zero turn lawn mower is not a luxury item, it is a necessity. If you need one it is probably because you have enough land that a normal riding tractor just will not do.

Since this is something that is probably a necessity, you will need to figure out how to get that zero turn, even if you have bad credit. With zero turns starting at around 3000 dollars, that can be a tough problem. We can help though.

At ZeroTurnMowerFinancing.com, we are not direct lenders and do not make credit decisions. This is a good thing because instead, we get you access to a much larger group of online lenders. With more lenders comes more chances of getting the yes that you need.

Here is how it works.

First, you need to input your information into the form at the top of the page. The form will first ask you how much you need and then it will ask for information about you and your income. You will also need to enter in bank information because this is how your lender would conduct the transaction. If you are approved and accept a loan, they will transfer cash into your account so that you can buy your zero turn mower.

After you complete your form, simply agree to the terms and submit your quote. Now, you just have to wait a moment for a decision, most will come quickly. If approved, a single lender will make you an offer and you will typically be directed to visit their website for the details of your loan offer.

Your final step to get a zero turn mower with bad credit is to review your offer and make a decision. Make sure that you read all of the details of the loan because bad credit loans can often have some pretty harsh terms. If you agree to the terms, you can accept the loan and your lender will deposit money into your account as soon as the next business day.

Other Ways To Get A Mower With Bad Credit

An online installment loan is an easy way to get the mower that you need, but you may have other options. Here are some possibilities.

Buy Here Pay Here

A buy here pay here zero turn might be a solution for you. Places like Aaron’s Rent To Own can get you a mower with semi monthly or monthly payments. The plus here is that getting approved can be very easy. If you have bad credit. In addition, the process of getting your mower can also happen rather quickly.

On the down side, this can be a costly loan. Not only is the interest high but the purchase prices generally are too. The price is usually much higher than what you would pay at that big box home improvement store. In addition, selection will be limited. You will probably have to choose between maybe one or two different models.

Used Zero Turns

Used power equipment is tricky but if you shop around and take your time, you might be able to find a good deal. This is most effective at the end of a season. People are far more likely to sell a zero turn mower for a reduced price in the Winter.

When looking for used machinery, be sure to give things a thorough check. Run the equipment, paying attention to how it starts and runs. Smoke at startup, for example, could be a sign of worn rings.Be as thorough as possible and if you are not mechanically inclined, bring along someone who is.

Do Without A Zero Turn.

If you can not get a zero turn with bad credit, you might be better off just doing without it.

One way to do that is to limit how much of your acreage that you cut. If there is no HOA to deal with, simply let a part of it go natural. Stake out a smaller section of lawn around your home and cut it with your standard garden tractor or even a push mower. When you eventually get a zero turn, you can start cutting the entire property.

bookmark_borderCaring For Your Zero Turn Mower

A zero turn is a huge investment which is why caring for a zero turn mower properly is so important. With proper maintenance, you can add years to the life of your mower and will have a machine that is easier to operate.

Like the average push mower, a zero turn mower needs some basic maintenance at regular intervals. Because of the size of the machine however, this maintenance is so much more important.

Here is the maintenance you should be doing on a regular basis.

1) Changing Your Oil

Obviously, it is important to change your oil on a regular basis. Like any engine powered piece of machinery, it is the single most important maintenance step.

Consult your manual for the first oil change and the suggested interval thereafter. Most machines will need an initial oil change at around the 5 hour mark. Afterwards, the oil change interval could be anywhere from 50 to 100 hours.

In general, most machines should have the oil changed after 50 hours of work or at least once a season. If your mower does not have a working engine hour gauge, calculate the average run time per cut and multiply that by how often you use it.

That means that if you run your mower for two hours at a time and cut your lawn weekly, you would need to change the oil every 6 months.

With oil changes, it is best to err on the side of caution and change it more often than less.

2) Examining Your Air Filter

Oil is important in caring for a zero turn mower, but do not lose focus on the other maintenance items.

Your air filter can get clogged quite quickly, especially if you live in dusty areas or have a lot of bare spots in your lawn. A clogged air filter can cause your engine to burn much more inefficiently which can cause a number of problems.

Incompletely burned fuel will not only increase your fuel usage but can also lead to fuel in the oil. Unburnt fuel will flow down the cylinder walls and into the oil pan. This will decrease lubrication and require you to make more frequent oil changes.

Check that oil filter on a regular basis.

3) Sharpening Your Mower Blades

Mower blades will dull over time and should be sharpened at least once every 6 months. If you hit a lot of debris while you cut like sticks or insect burrows (crawdads are very bad) you may need to sharpen more often.

The obvious problem with a dull blade is what it does to the grass. It will rip it instead of slicing it and that can leave your lawn susceptible to disease.

A not so obvious problem is that strain it puts on your mower engine. The engine will have to work harder to cut the grass because ripping is harder to do than cutting.

Sharpen your blades often and replace them as necessary.

4) Checking Your Tire Pressure

This is something that is not thought about too often but is more important than you think. You know how to adjust the level of your deck to get the right cut but what happens if your tire pressure is off.

With improper tire pressure, you could have a corner of the mower that is riding 1 or 2 inches lower than the rest. Think about what that would do to your cut.

5) Cleaning Your Mower Deck

You just finished cutting the lawn with your new zero turn mower and you are ready to head in and get cleaned up. The last thing on your mind is probably cleaning your mower deck but it should be.

You should be cleaning off the underside and top of the deck after each and every use. The reason for this is to remove the grass clippings that can accumulate and hold moisture. Moisture, as you are aware, will lead to rust and premature deck failure.

Stick To The Schedule

The five maintenance tips above will go a long way to making your zero trun lawn mower last a long time. Above all else though, you should stick to the schedule set forth by your manufacturer.

There are probably a number of other maintenance items that you need to pay attention to. This could be lubricating the driveline, cleaning your batter terminals, replacing your fuel filter or any  number of other things.

Luckily, most manufacturers will give you a maintenance chart to follow. Follow it to the letter and have a long mower life.

 

bookmark_borderZero Turn Mower Payment Plan

If you need a zero turn mower payment plan we may be able to help you. Take a minute and get a fast and free loan quote and if approved, shop at any dealer that you like for the lawn mowing machine of your dreams. To begin, just enter in how much you expect to need.

Months from a payment plan.

How To Get A Payment Plan

A payment plan generally implies using store credit but in reality any installment loan is a payment plan and we can help with that. We can get you access to a very large group of lenders, many of which may be able to work with bad credit. Take a minute and find out how this all works.

Get Your Mower Quote

First, you need to get your loan offer. Lucky for you, the form is short and sweet so you will not be spending all day doing paperwork. Most people can fully complete it in just a few minutes.

Begin by selecting how much money that you expect to need to borrow. Remember, our lenders pay you in cash, so you can ask for more money if you need to buy some accessories like a trailer or other gear.

Once you have selected an amount, you can then enter in some personal information such as your address, source of income and bank information. The bank info is needed because, like I just said a moment ago, lenders will pay you in cash. They will deposit money for your zero turn lawn mower directly into your bank account.

After you enter your information, agree to the terms and submit your form. Then, you oly need to wait briefly for an answer.

If approved, you will receive an offer from one lender in the group and you will be directed to visit their website. Once at their website, you can review the offer and decide if you want to accept it or turn it down. There is no obligation in just getting a quote.

Making Your Decision

Once you have an offer for your zero turn mower payment plan, now comes the hard part, making your decision. Yes, you probably really need that mower, but this does not mean that you should accept a bad offer.

Make sure that you thoroughly read and understand the terms of the loan offer. If there is anything that you do not understand, make sure that you have your lender explain it to you. Among other things, you should know the payment terms, payment amount and the total cost of the loan.

Just because you receive an offer does not mean that you are committed, so take your time.

Choosing Your Zero Turn Lawn Mower

Mowing grass with a zero turn mower.

If you decided to accept an offer for financing, your next step is to pick out a mower. The benefit to using online financing instead of a store payment plan is that you can shop for your zero turn wherever you like. Not just one store  or worse yet a buy here pay here store. Cash in your account means that you can go with the dealer that has the model that you want and that will give you the best deal.

With these machines starting at around 3000 dollars and quickly going up from there, choosing the right one for you is very important. Take into account several factors when making a decision. Here are a few things to think about.

Lawn Size

Obviously, the bigger the lawn you are cutting, the bigger the mower that you will want. If you are cutting just 1 or 2 acres, you can probably get away with one of the smaller deck sizes. As acreage goes up you need to increase the size. Most manufacturers will list their recommendation, based on your lawn size.

Another consideration when lawn size goes up is the size of the motor powering your zero turn. A larger mower will have the power to cut faster. It will also be able to better handle the longer operation times.

Obstacles & Terrain

Larger cutting sizes are not always appropriate, even with larger cutting sizes. If you have a lot of trees, boulders or even fences to navigate around, a smaller mower might be a better choice, even if you have a large lawn. Also, make sure that you consider gate sizes so that you do not have to rebuild any of that fencing.

Terrain is another consideration. Larger mowers may have a hard time with hilly yards and, in some cases, could be downright dangerous.

Cutting Frequency

How many times a month will you need to cut your lawn? IS this a weekly thing and if so, how long is the season? If you will be using your mower often, you need to think about longevity. This might mean choosing a larger mower that can handle the stress or going for a reliable brand of engine like a Honda.

If you plan to use your mower often, going with a commercial unit might start to make sense. These machines are meant to handle long run times and might be worth the extra cost.

bookmark_borderAbout No Credit Check Zero Turn Mowers

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.

Thumbs up after getting no credit check zero turn mowers.

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.

bookmark_borderJohn Deere Zero Turn Mowers

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.

A John Deere mower after financing

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.