Getting a powerful zero-turn mower can completely change how you manage your lawn, but the high price tag can be a major hurdle. If you’ve seen rent-to-own options, you might be wondering if it’s a smart way to get the equipment you need now. This guide breaks down everything you need to know about the process.
A rent-to-own agreement, sometimes called a lease-to-own plan, is a straightforward way to acquire a lawn mower without buying it outright. Instead of a large one-time payment, you make smaller, regular payments over a set period. During this time, you are technically renting the mower. Once you complete all the payments outlined in your agreement, ownership of the mower transfers to you.
This is different from traditional financing. With a loan, you own the item from day one and are in debt to the lender. With rent-to-own, the store owns the mower until your final payment. A key feature of many rent-to-own plans is the flexibility to return the item at any time without further obligation, which isn’t possible with a standard loan.
These programs are especially popular for higher-ticket items like zero-turn mowers from brands like John Deere, Cub Cadet, and Toro, which can easily cost several thousand dollars.
While the exact details can vary between companies, the general process is consistent and simple. Here’s what you can typically expect when you decide to pursue a rent-to-own lawn mower.
Many different types of stores offer these programs. Some are large home improvement retailers like Lowe’s or The Home Depot, which partner with third-party lease-to-own companies such as Acima, Progressive Leasing, or Katapult. Other options include dedicated rent-to-own stores like Aaron’s or Rent-A-Center, which may also carry lawn and garden equipment.
This is the fun part. You can browse the selection of available mowers. If you’re looking for a zero-turn model, you’ll likely find options from well-known manufacturers. Pay close attention to the mower’s features, deck size, and engine power to ensure it meets the needs of your property.
The application process is usually quick and is a major reason people choose this path. Most rent-to-own programs advertise “no credit needed.” This doesn’t mean your credit history is completely ignored, but it does mean that a low credit score won’t automatically disqualify you. They typically look at other factors, like income and banking history, to determine approval. The application can often be completed in-store or online in just a few minutes.
This is the most critical step. Before you sign, you must read the agreement carefully. It will outline:
Once the agreement is signed and any initial payment is made, you can take the mower home and start using it immediately. You’ll then continue making your scheduled payments until the term is complete.
Rent-to-own programs exist because they solve specific problems for consumers. Here are the primary benefits.
While rent-to-own offers clear benefits, it’s crucial to understand the drawbacks to make an informed decision.
This option isn’t for everyone, but it can be the perfect solution for some. Ask yourself these questions:
A rent-to-own plan makes the most sense for someone who needs a quality mower immediately, has limited access to traditional credit, and has the steady income to handle the payments.
What happens if I miss a payment? Most companies have a grace period, but if you continue to miss payments, they will likely arrange to retrieve the mower. This is why it’s important to understand the company’s policy on late payments and defaults before you sign.
Can I buy the mower early? Yes, most agreements include an early purchase option. Often, there is a significant discount if you buy out the contract within the first 90 or 100 days. The discount decreases the longer you wait, but it can still save you money compared to making all the scheduled payments.
What brands of mowers are typically available? You can often find the same top brands you would see at any major retailer. This includes popular zero-turn manufacturers like Cub Cadet, Toro, Husqvarna, and John Deere, depending on the store’s inventory.