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SPARTAN MOWER FINANCING OPTIONS

David Jackson | Financing | September 22, 2021

Are you tired of the old push mower? Or perhaps the small lawn tractor just isn’t “cutting it any more!” If so, Spartan Mowers has exactly what you need. We not only have an incredible lineup for you to choose from, but we also have options for financing your new mower! 


LOAN CONSIDERATIONS:



1. Down Payment

The down payment is used directly against the price of the mower, and therefore it will reduce the size of the loan. A down payment gives the financing company cash upfront so that if the borrower were to default early, the lender’s losses are reduced. Oftentimes, especially with a  lower credit score/marginal credit, putting a down payment or even increasing a down payment amount may be the difference between being denied a loan and getting one. A down payment in the recreation industry is traditionally anywhere from 10% to 20%. 


2. Trade In

Trade in is when you have a mower you may be able to offer it to the dealership in exchange for credit toward the price of the vehicle you are purchasing. Buyers can offset their loan with down payments other than cash. If this is not your first recreation item, you can often trade in an older model for credit. If a dealer takes an item as a trade, then the value of the traded item is directly deducted from the purchase price of the new item.


3. Credit Score 

Checking your credit score before you start your powersport or recreational vehicle search is paramount. Unlike mortgages or a credit card, you can usually get a loan for a vehicle even if you have bad credit. The catch is that you will end up paying more, a lot more. This is because it is much easier for a bank to repossess a vehicle if the loan is not paid than it is to repossess a house. Free services like TransUnion, Credit Karma, Mint.com, or Experian can help you understand your credit profile. Once you have this information, you can then figure out if you qualify for the best loan rates. This table will help you understand where you fall in the credit spectrum: 



Spartan is part of the Intimidator Group, and we have partnered with some of the most reputable financing companies in the U.S. to give you the options and flexibility to own the mower of your dreams. Here are some options that are available for your consideration. (Note: Dealer participation varies. Please contact your Spartan Dealer to get a more detailed quote and additional financing information)


DEALER DIRECT FINANCIAL

Dealer Direct Financial


-Offer is subject to credit approval. APR may differ. Documentation fees and financing buy-down fees may apply. No down payment required (with acceptable credit). Associated fees must be paid at closing. Contact your Spartan Dealer for more information.


SHEFFIELD FINANCIAL


Sheffield Financial


-UCC filing fee may be charged. Subject to credit approval. Approval, and any rates and terms provided, are based on creditworthiness. Other qualifications and restrictions may apply. Financing promotions void where prohibited. Offer subject to change without notice. Sheffield Financial is a division of Branch Banking and Trust Company. Member FDIC. Contact your Spartan Dealer for more information.


YARD CARD


Yard Card


-Offer is subject to credit approval. APR may differ. Documentation fees and financing buy-down fees may apply. See below for full disclosure. No down payment required (with acceptable credit). Associated fees must be paid at closing. Contact your Spartan Dealer for more information.


 ROADRUNNER FINANCIAL - (ALL SPARTAN MOWERS 2014-18)



-Offers are subject to credit approval. APR may differ. Documentation fees and financing buy-down fees may apply. Terms subject to change. Credit decisions are made in the sole discretion of Roadrunner Financial. Not all customers will qualify for the listed programs.


Contact your Spartan Dealer for more information.


Spartan Mowers doesn’t want anything to come between you and your next zero-turn or stand on mower. We are beyond proud to offer a product dreamed, designed, and engineered to be the best possible machine on the market. The Spartan Mower line is available in the RZ, RT, SRT, and KG models, to accommodate every customer, from personal to commercial use, and fit every price range.  



We are confident you will find that our Spartan line is built better and stronger than the competition, all the while offering an unbelievably comfortable ride, great looks, and more value. Let us know how we can seal the deal, and make your dream to own a Spartan Mower come true!


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