If you're looking to purchase a Spartan Mower or Spartan UTV but have less-than-perfect credit, don't worry—there are still financing options available to help you get the equipment you need. Spartan offers several solutions for buyers with bad credit, making it easier for you to enjoy top-tier performance without the financial stress.
Let’s dive into the financing options available and tips to improve your chances of approval.
Spartan Mowers & Spartan UTVs: Why Finance?
Spartan Mowers and Spartan UTVs are known for their durability, power, and cutting-edge technology. Whether you’re a homeowner needing a commercial-grade mower or looking for a work focused UTV, financing can help you:
- Spread payments over time instead of paying a lump sum.
- Preserve cash flow while upgrading your outdoor equipment.
- Access better models without waiting to save up.
Can You Get Financing with Bad Credit?
Yes! Many lenders work with individuals who have low or bad credit scores. While traditional banks may require high credit scores, alternative lenders and special financing programs offer flexible terms for those with past financial struggles.
Spartan Mowers & UTV Financing Options for Bad Credit
Spartan works with various financing partners that may offer bad credit financing. Here are some common options:
Sheffield Financial specializes in outdoor power equipment loans and works with Spartan dealers to offer flexible payment plans. While they typically prefer good credit, they may approve loans for individuals with lower scores if other factors (like income) are strong.
2. Yard Card
The Yard Card is a revolving line of credit designed specifically for outdoor power equipment purchases, including Spartan mowers and UTVs. Issued through TD Bank, the Yard Card provides promotional financing options such as deferred interest or fixed monthly payments. Since it functions as a credit card, buyers can use it for future outdoor equipment needs as well.
Dealer Direct is a department of First Community Bank located in Batesville, AR. Their philosophy has always been to provide the customer experience of a local community bank coupled with the speed and professionalism of a national finance company.
4. Dealer In-House Financing
Some Spartan dealers offer in-house financing or lease-to-own programs for customers with bad credit. This is a great option if you’ve been denied by traditional lenders.
5. Alternative Lending
Alternative lending options, such as personal loans from online lenders, credit unions, or peer-to-peer lending platforms, provide additional ways to finance a Spartan mower or UTV. These lenders often cater to individuals with non-traditional financial situations, offering competitive rates and flexible repayment terms. Borrowers may secure unsecured or secured loans, depending on their creditworthiness and the lender’s requirements.
How to Improve Your Chances of Financing Approval
Even if you have bad credit, there are steps you can take to increase your approval chances:
- Provide a Larger Down Payment – Putting down more money reduces lender risk and increases your chances of approval.
- Show Proof of Stable Income – Steady employment and income prove you can handle loan payments.
- Find a Co-Signer – A co-signer with good credit can improve your loan terms.
- Check Your Credit Report – Review your credit for any errors and dispute incorrect information before applying.
- Apply with Multiple Lenders – Some lenders may approve you even if others don’t, so explore all your options.
We Can Help!
Financing a Spartan Mower or Spartan UTV with bad credit isn’t impossible. With the right approach and the right lender, you can still get approved and enjoy top-quality outdoor equipment.
To see rates or pre-apply online visit our website to see financing options. If you're ready to apply, check with your local Spartan dealer today.