I'm guessing that financing for a lawnmower is different than a pickup or car. I'm wondering about a loan for say a Toro Z400 52" like the one I picked out for my neighbor last spring. My credit rating was 637 before I got a $7000 loan on my Ranger this july. I had to get a co-signer for my Ranger loan. My credit is recovering after making some bad choices in the later 90s. I typically mow about 5 lawns a week but they are all 1-4 acres, so I'm definitely part time. Because of my back and knees I' NOT getting a commercial walk behind. I just don't want to have to trust on my older riders anymore. How are banks on this type of loan? My truck loan is through a credit union.