I am interested to learn if there is a magic down payment percentage that would qualify one with bad credit for financing. My credit is just under 600 and I have no collections or bankruptcies etc. I have been a cash consumer since I got into financial trouble with credit cards at an early age. I suffer from having zero open credit lines and obviously an "average age of accounts" of 0, but I dont owe anyone, which apparently isnt good either! My local Ferris dealer works with Sheffield, as most dealers do. If I apply and get denied, will the lender counter offer? ie. "Denied, requires larger down payment"? or will it just be "Denied"? If the machine I am interested in is $10k, whats a reasonable number I can offer as a down payment to ensure approval? I would like to offer $2500 down but I could go as high as $5k if I had too. I dont want to offer $5k down, but I could. There are plenty of used machines in my area, but honestly paying $5k for a used mower is not for me.