Lawn mower finance
for home and business
Finapps arranges lawn mower finance for a home property or a business. We work with over 20 lenders on our panel, structure the repayments around how you use the machine, and handle the paperwork from our side.
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About lawn mower finance
How a mower gets funded depends on the machine, how you use it and where you are buying it from. Here is how each of those works.
How it works
The structure
New or used
Where you buy
Am I eligible?
Working with Finapps
How it works
Lawn mower finance is funding used to pay for a mower, then repaid over an agreed term. How it is structured follows how the machine is used. A mower for a home property is commonly funded as personal lending, which sits alongside the rest of our personal finance range. A machine used predominantly in a business is commonly funded as equipment finance or under a chattel mortgage, where the business owns the asset from day one. Lenders take their own view of what counts as predominant business use, and you do not need to work any of this out before you contact us. Tell us what you are buying and how you plan to use it, and we take that into the arrangement.
The structure
Terms are set by the lender and commonly run over several years, depending on the machine and how long you expect to keep it working. A deposit is not always required, though putting money in can change the shape of the repayments. A balloon or residual is a feature available on some structures, which lowers the regular repayment and leaves an amount owing at the end of the term. Our repayment calculator gives you an estimate with no obligation, and we set out what each structure means for your situation before you decide anything.
New or used
Both are commonly financed. On a used machine the age and the hours matter, because most lenders set a limit on how old the machine can be when the term ends, not when you buy it. That can shorten the term available on an older machine. Demo and ex-hire machines count as used. Tell us the machine and its hours and we will tell you what it changes.
Where you buy
A dealer purchase is the most straightforward. Private sales and clearing sales bring some extra steps, from a PPSR check on the machine through to the bill of sale, and we handle that side of it. Once the deal settles, the lender or funder pays the seller directly.
Am I eligible?
Eligibility depends on your circumstances and on the individual lender. We work with over 20 lenders on our panel, and criteria vary between them. Tell us your situation and we will do the work from there.
Exploring your situation with us does not require a formal credit application. If you decide to proceed, we explain exactly what is involved first.
Some of the things a lender will typically look at:
• Whether you own or rent your home
• Whether you are employed or run your own business
• How long you have been in your role or held your ABN
• Your credit history
• Your residency status
• Any finance you have held previously
• Your assets, liabilities, expenses and savings
• How you plan to use the machine
If you have questions about whether you are eligible, just ask. Talk to us and we will give you a straight answer.
Working with Finapps
Finance experts behind you
A team of finance experts working your application, who know which structure suits the purchase and what the lender will need.
Apply online or talk it through
Our online application form takes a few minutes from any device, and you can start it whenever it suits you. If you would rather have a conversation first, get in touch. We come back within 30 minutes during business hours.
We handle the hard part
The lender paperwork, the PPSR check on a private sale, the bill of sale. We take care of that side and stay across the settlement with the lender. You tell us what you are buying, what it costs and who you are buying it from.
Range & Equipment
Mowers we commonly arrange finance for
From a walk behind on a suburban block to a zero turn on forty acres, mowers across the range are commonly financed. Tell us what you are looking at and we work with it.
Ride on mowers
Seated machines for blocks too big to walk. You sit on it and drive, with the cutting deck underneath. Sizes vary a lot, so the right one depends on how much ground you cover.
Zero turn mowers
Each rear wheel drives on its own, so the machine turns on the spot. That means mowing around trees and beds without reversing, and covering ground faster than a ride on.
Walk behind and self propelled
Push mowers you walk behind, and self propelled models that drive their own wheels. You steer rather than push, which helps on slopes and on lawns that take a while.
Lawn tractors and out-front mowers
Built for large open areas like acreage and ovals. On an out front mower the deck sits ahead of the wheels, so it reaches under fences and around edges as you go.
Commercial mowers
Made for daily use rather than the weekend. Heavier decks, stronger drive systems and parts built to take long hours in the seat, season after season.
Robotic mowers
Mow on their own inside a boundary you set, then return to a charging dock. Best suited to an area that stays the same shape, so it can run to a set schedule.
Who it suits
Who we arrange mower finance for
We arrange mower finance for both personal and business use.
If you are on this list, we can help.
Homeowners
with acreage
The house block, the driveway edges and the paddock behind. A machine that handles that ground costs more than most people want to pay in one go, so it gets financed.
Lawn mowing rounds
Twenty or thirty properties a week, on and off the trailer all day. When the machine stops the round stops, so most operators finance the replacement before that happens.
Landscapers and grounds maintenance
The mower shares the trailer with blowers, trimmers and the rest of the kit. Financing it separately keeps cash free for the other gear the crew needs.
Councils, schools and sports grounds
Ovals, verges and surrounds on a roster that does not move. Financing means the machine turns up when the schedule needs it, not when the budget catches up.
Golf clubs and caravan parks
Fairways, surrounds and open areas, mowed early with two or three machines going. Financing lets the fleet be staged over time instead of replaced all at once.
Farms and rural properties
Slashing, firebreaks before summer, and keeping the house paddock down. The mower competes with every other machine for capital, so financing keeps that free.
Why Finapps
The Finapps Difference
Fast, flexible finance for business and personal needs.
Not just a broker
A digital payment solution powered by real people.
We work for you
We find the right lender for you without any of the hassle.
30 mins from application
You might be surprised but you'll hear from us to help in 30 mins.
Flexible terms
Work with loan terms to create a payment plan that best suits you.
Personal and frictionless
From start to finish, our friendly staff are here to help.
Let us help
We want to be your finance partner
Finapps is here to guide you through it, handle the hard part and be here again the next time you need something funded.
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We come back within 30 minutes during business hours.
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FAQs
In case you
missed anything
Do I have to commit to anything to get started?
Exploring your options does not require a formal credit application. If you decide to proceed, we explain exactly what is involved first.
How long does it take to hear back?
We come back within 30 minutes during business hours. Monday to Friday, 9am to 5:30pm AEST.
How many lenders do you work with?
We work with over 20 lenders on our panel.
Can I finance a used ride on mower?
No never, there are no merchant fee's, You agree the price with your client and we organise the finance.
Do I need an ABN to finance a lawn mower?
No. A mower for a home property is commonly funded as personal lending. An ABN comes into it where the machine is used predominantly for business, generally 51% or more, and a chattel mortgage is in play. Eligibility criteria vary by lender.
Can I finance a mower for personal use?
Yes. Personal use is covered. Options are available in many cases, subject to lender approval.
What is used as security on a lawn mower loan?
That varies by lender. Some finance is secured against the machine and some is not. We talk through the details with you before anything goes anywhere.
Can I finance a mower bought privately?
Private sales are common and we arrange finance for them. They involve some extra paperwork and we help with that side of it.
How much can I borrow for a mower?
Amounts vary by lender and are subject to approval. Tell us what you are buying and we can look at it.
Related finance
Other finance we arrange
This is one part of what we do. Vehicles, equipment, business and personal, we arrange finance for all of it.
Personal finance
Personal finance across the consumer range
Learn More
Vehicle finance
Vehicle finance for the ute or the tow vehicle
Learn More
Caravan finance
Caravan finance sits alongside this
Learn More
Equipment finance
Equipment finance for machines used in a business
Learn More
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We arrange finance for customers across Australia.
Tell us what you need and we will structure it around you.
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All finance options are subject to lender approval, eligibility criteria, fees and charges. Finapps Australia Pty Ltd. Australian Credit Licence #389 328
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Disclaimers & legal
The information provided on this website is for general informational purposes only and should not be considered financial or credit advice. While every effort has been made to ensure the accuracy of the information presented, Finapps Pty Ltd and its related entities does not warrant or guarantee its completeness or reliability.
Before acting on any information, you should consider whether it is appropriate to your individual circumstances and seek professional advice. All finance approvals are subject to the lender’s assessment, credit criteria, and verification of information provided.