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Buy Now, Pay Later Lawn Mowers: How to Get the Right Mower Without Paying Upfront

A well-maintained lawn starts with a reliable mower—but quality lawn equipment doesn’t always come cheap.

Whether you're looking for a self-propelled gas mower, a cordless electric option, or even a riding mower for a large property, costs can range from a few hundred to several thousand dollars.

Fortunately, Buy Now, Pay Later (BNPL) services offer an affordable way to get the equipment you need—right when you need it—with flexible monthly payments.

What Is Buy Now, Pay Later for Lawn Mowers?

Buy Now, Pay Later (BNPL) is a payment model that lets you purchase a product and spread the cost over time. Instead of paying the full amount upfront, you divide it into equal monthly payments, often with 0% interest promotional periods.

BNPL options are especially useful for:

  • Homeowners making seasonal purchases
  • Budget-conscious families
  • First-time homeowners equipping their lawns
  • DIYers replacing or upgrading older mowers

Top Retailers That Offer BNPL on Lawn Mowers

Here are some major retailers where you can buy lawn mowers now and pay over time:

1. Home Depot

  • Offers Affirm and Citibank credit options
  • Terms: 3 to 24 months
  • Available on push mowers, riding mowers, zero-turn models, and accessories

2. Lowe’s

  • Offers Lowe’s Advantage Card and PayPal Pay Later
  • Often includes 6-month special financing
  • Includes brands like EGO, Honda, and John Deere

3. Amazon

  • Offers BNPL through Affirm, Pay Over Time with Amazon Credit Card, and Zip
  • Ideal for electric and battery-powered push mowers
  • Often includes free shipping and no-interest options

4. Tractor Supply Co.

  • Offers Synchrony financing and Progressive Leasing
  • Perfect for riding mowers and large-acreage equipment

5. Walmart

  • Offers BNPL via Affirm and Klarna
  • Wide selection of affordable battery and gas mowers

Types of Lawn Mowers You Can Finance

  • Cordless Electric Mowers: Ideal for small to medium lawns with minimal maintenance
  • Self-Propelled Gas Mowers: Great for sloped yards and thicker grass
  • Riding Lawn Mowers: Best for large properties, fields, or commercial use
  • Zero-Turn Mowers: Premium machines for wide, obstacle-filled areas
  • Robotic Lawn Mowers: Hands-free, programmable models for tech-savvy homeowners

BNPL programs typically cover all mower types, including attachments and battery packs.

Benefits of Buy Now, Pay Later Lawn Mowers

Instant Access

Get your mower when you need it—no waiting for savings or credit approval delays.

Flexible Monthly Payments

Choose from 3-, 6-, 12-, or even 24-month terms, often with no interest if paid in full within the promo window.

No Hard Credit Check (in Some Cases)

Services like Klarna and Zip may approve smaller purchases without impacting your credit score.

Budget Control

Set predictable monthly expenses while still getting quality equipment.

What to Watch Out For

While BNPL is convenient, make sure to review:

  • Interest rates: Some plans have 0% APR, but others may reach 20% or more after promo periods.
  • Late fees: Missing payments can incur penalties or interest spikes.
  • Credit impact: Some financing (especially from major banks) may require a credit check.

Tip: Always read the fine print, especially for “no interest” offers that turn into high-APR debt if not paid off in time.

Who Should Consider BNPL for a Lawn Mower?

BNPL is ideal for:

  • Seasonal buyers who need a mower right before peak mowing season
  • Homeowners on a tight budget looking to upgrade without large upfront costs
  • First-time buyers furnishing a new home or rental property
  • DIYers and weekend warriors replacing broken equipment mid-project

Final Thoughts: Cut Grass, Not Your Budget

With Buy Now, Pay Later options, you don’t have to sacrifice lawn care just because of a tight budget. Whether you need a heavy-duty rider or a simple push mower, flexible financing makes it easy to pay over time and mow right away.

Just remember to compare plans, read the terms carefully, and make sure your monthly budget can support the payments. Done right, BNPL is a convenient, budget-smart way to keep your yard looking its best—without breaking the bank.

Sources

  • Home Depot Financing Options
  • Affirm Lawn & Garden Retailers
  • Consumer Reports: Best Lawn Mowers of the Year
  • Lowe’s Special Financing Terms