The great summer weather is here, and we all know what that means. No, it is not time to hit the beach. It is time to start cutting the grass often.
This time of year, you can count on spending every Saturday morning pushing that lawn mower. If you like lawn care, great, but if you are like the rest of us, you want to get it over with as quickly as possible, especially when the temps start heating up. One way to do this is to invest in a riding lawn mower.
A riding mower can cut the average lawn cutting time in half while making the work much more pleasurable. Why wouldn’t you want to just go for a ride and let the mower do all the work? The only problem is that riding mowers are expensive, costing nearly $2000 for a decent model. If you are not made of cash, financing is the solution.
As far as mower financing goes, you have a lot of options. Look at a few ways to get the financing that you need to buy that rider.
Online Financing Websites
Online loans have a lot of advantages if you are looking for a new mower. If you have bad credit, they might be your only option, but even with good credit, you should consider them.
The benefit is that you can get your loan money in cash. That will allow you to shop any store that you like to find the best deal and the exact mower that you want. You can also use your cash to buy a used riding mower and save hundreds of dollars.
How it works is this. You go to an online loan website like this one here and fill out an application. If approved for a loan, a lender will send money directly to your bank account. This can all happen in as little as a day. Pretty simple.
If you have great credit and are not particular about the riding mower model you end up with, consider store credit.
The good thing about getting store credit is that you can often qualify for zero percent interest deals. These will usually be for periods of 12 to 36 months and can really help make that mower affordable. The catch is that interest is usually only being deferred. If you do not pay the financing back in time, it will be charged back to you. Three years of 25% interest can really put a hurt on you.
For store credit to be useful, you should not be looking for a certain mower. Most of the big box stores only carry 3 to 4 models of riding mowers so the choice will be limited. You also need to be careful when you make your purchase. Mower sales are seasonal, so if you buy a mower at the beginning of the season, you might be buying one that has been sitting outside all Winter.
Buy Now Pay Later
The financing option of last resort is to turn to a “Buy Now Pay Later” store. These places will finance just about anyone, but this comes at a big cost.
First, go in knowing that you will have an extremely limited selection. These stores carry a little bit of everything, so you will only have one, maybe two mowers to choose from.
Next, you will have the price to contend with. For a rider, you should expect to pay several hundred dollars more than you would pay at the big box store.
Finally, you have the interest rate. It will be high, likely approaching 29 percent.
So, there you have it. Limited selection, inflated prices, and high interest. Sounds great. Unfortunately, sometimes you have got to do what you have got to do, so it remains an option for those with bad credit.
Riding Mower Benefits
So, why go through all this trouble for a riding mower? Are they really that great? Well, the answer is, it depends. Here are some reasons that you might want to consider one.
You Have a Large Yard
If you have a third of an acre or more to mow, you know how long it takes to do it with a push mower. A rider will likely cut this time by more than half.
You Have a Bad Back
If you have a bad back or other disability, it can be tough to cut your lawn with a regular mower. A riding model can allow you to still take care of your lawn without all the physical exertion.
You Need to Haul
A riding mower can be equipped with a trailer, making it an especially useful tool. Haul yard debris, mulch, fertilizer, and more with ease.
You Hate Lawn Work
Finally, if you just plain hate lawn work, a rider can help you get it done fast. Minimize the time that you spend in misery while still avoiding the cost of expensive professional lawn care.