I'm not so sure it even takes great credit. I can't personally see any reason to pay cash. The mower is going to take a number of years to pay for itself, why would I want to take the money out of the bank to pay for it all at once? I mean, that's the manufacturer subsidizing the purchase. It's like a rebate that you are leaving on the table by paying cash.
In 1993 I had 50% to put down on a new mower and was turned down. I think the rate was somewhere in the neighborhood of 15%. My, how things have changed.