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A Guide to Saving on Zero Turn Lawn Mowers with Rent to Own, Buy Now Pay Later, and Guaranteed Financing Options

Zero turn lawn mowers are a top choice for homeowners and landscapers seeking speed, precision, and efficiency when maintaining large lawns or properties. However, their advanced features often come with a higher price tag. Fortunately, there are flexible purchasing options that can help you get the mower you need without paying the full cost upfront.

This guide explores how you can save on zero turn lawn mowers using rent to own programs, buy now pay later (BNPL) options, and guaranteed financing. We’ll also highlight trusted companies where you can find these deals and offer tips for making a smart purchase.

Why Choose a Zero Turn Lawn Mower?

Zero turn mowers offer many benefits over traditional riding mowers, including:

  • Superior maneuverability for tight turns
  • Faster mowing times
  • Professional-grade cutting precision
  • Comfortable seating and controls for large properties
  • Reduced need for trimming around obstacles

Because of their efficiency, they are ideal for homeowners with larger lawns, commercial landscapers, or anyone looking to save time on yard maintenance.

How Financing Can Help You Save

Zero turn mowers are an investment — with many models ranging from $3,000 to $8,000 or more depending on brand and features. Financing options like rent to own, buy now pay later, and guaranteed financing provide a more manageable path to ownership by spreading payments over time.

Benefits of Financing a Zero Turn Mower:
  • No large upfront payment required
  • Manageable monthly payments
  • Access to better models without exceeding your budget
  • Build credit with on-time payments (with some programs)
  • Flexible ownership options for short or long-term use

Rent to Own Zero Turn Mowers

Rent to own programs allow you to use the mower immediately while making regular payments over a set term. After completing the payments, you own the mower outright.

Advantages of Rent to Own:
  • No credit check or low credit approval options
  • Flexible terms
  • Option to return or upgrade equipment
  • Immediate access without large down payments
Companies Offering Rent to Own Options:
  • Aaron's — Known for furniture and appliances, but some locations offer outdoor power equipment through rent to own agreements.
  • Rent-A-Center — Offers zero turn mowers in select locations with flexible rental payment plans.
  • Acima — A lease-to-own provider that partners with local equipment dealers for outdoor products.

Buy Now Pay Later (BNPL) for Lawn Mowers

Buy now pay later financing lets you split the cost of a mower into equal payments over time — often with little to no interest if paid within a promotional period.

Benefits of BNPL Financing:
  • Fixed monthly payments
  • No interest if paid within the promotional term
  • Quick online approvals
  • Flexible terms from 3 months to 24+ months
Companies Offering BNPL Options:
  • Home Depot — Financing available through Affirm, allowing customers to pay over time with fixed monthly payments.
  • Lowes — Offers special financing and BNPL options through the Lowe's Advantage Card or third-party providers like Klarna or Affirm.
  • Bad Boy Mowers — Partners with retail financing companies to provide payment plans on new zero turn mowers.

Guaranteed Financing for Zero Turn Mowers

Guaranteed financing offers approval regardless of credit history, usually in exchange for higher interest rates or larger down payments.

Benefits of Guaranteed Financing:
  • Approval for most credit situations
  • Access to equipment that might otherwise be unaffordable
  • Option to build or rebuild credit with regular payments
Where to Find Guaranteed Financing Options:
  • Sheffield Financial — Specializes in financing outdoor power equipment with flexible options for customers with varying credit profiles.
  • Yard Card Financing — A credit card designed specifically for lawn and garden purchases, offering promotional financing plans.
  • Greenworks Commercial Financing — Provides zero turn mower financing with various programs for both homeowners and businesses.

Tips for Saving Money When Financing a Zero Turn Mower

1. Shop Sales & Promotions

Look for end-of-season sales or clearance deals at major retailers like Home Depot, Lowe’s, or Tractor Supply Co.

2. Compare Financing Terms

Always compare interest rates, payment schedules, and total repayment costs between providers.

3. Consider Used or Certified Pre-Owned Models

Some dealers offer certified pre-owned zero turn mowers with financing options, providing savings over buying new.

4. Check for Manufacturer Promotions

Brands like Toro, Cub Cadet, and Husqvarna often run seasonal financing deals with 0% interest for qualified buyers.

5. Read the Fine Print

Understand late fees, early payoff options, and ownership terms before signing any rent to own or financing agreement.

Conclusion

Zero turn lawn mowers are a smart investment for anyone wanting to save time and achieve a professional-looking lawn. With flexible financing options like rent to own, buy now pay later, and guaranteed approval programs, owning a high-quality mower is more accessible than ever — regardless of budget.

By exploring available programs, comparing offers, and shopping smart, you can get the mower you need without straining your finances.

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