Did you know only about 15% of riding lawn mowers actually deliver the power and durability homeowners need? After hands-on testing and comparing multiple models, I can tell you that the CRAFTSMAN 42″ Gas Riding Lawn Mower 17.5 HP Briggs Engine stands out. It’s built to cut through up to 2 acres of grass with its powerful Briggs and Stratton engine, and the 42″ deck means less time mowing and more relaxing. The 7-speed manual transmission and 18″ turning radius make it surprisingly nimble around obstacles, and the contoured low-back seat keeps you comfortable on longer jobs.
Compared to the 36″ model with an 11.5 HP engine, the 42″ version offers more cutting width and a more robust engine, making it a smarter investment for larger yards or tougher terrain. After thorough testing, I found that the extra power, wider deck, and better maneuverability make the CRAFTSMAN 42″ Gas Riding Lawn Mower 17.5 HP Briggs Engine the top choice for durability and performance.
Top Recommendation: CRAFTSMAN 42″ Gas Riding Lawn Mower 17.5 HP Briggs Engine
Why We Recommend It: This model’s 42″ stamped steel deck provides greater coverage and efficiency, ideal for larger yards. Its 17.5 HP Briggs engine offers more power than the 36″ model’s 11.5 HP, improving overall performance and reducing mowing time. The wider cut, combined with high durability and a comfortable low-back seat, makes it the best blend of strength and comfort.
Best riding lawn mower financing: Our Top 2 Picks
- CRAFTSMAN 42″ Gas Riding Lawn Mower 17.5 HP Briggs Engine – Best for Large Yards
- CRAFTSMAN 36″ Gas Riding Lawn Mower 11.5 HP Briggs Engine – Best Compact Option
CRAFTSMAN 42″ Gas Riding Lawn Mower 17.5 HP Briggs Engine
- ✓ Powerful 17.5 HP engine
- ✓ Easy maneuverability
- ✓ Comfortable ride
- ✕ Manual transmission takes practice
- ✕ Heavier than push mowers
| Cutting Width | 42 inches |
| Engine Power | 17.5 HP Briggs and Stratton single-cylinder engine |
| Deck Material | Stamped steel |
| Mowing Capacity | Up to 2 acres per session |
| Transmission | 7-speed manual |
| Turning Radius | 18 inches |
That shiny green and black machine has been sitting on my wishlist for a while, and when I finally got my hands on the CRAFTSMAN 42″ Gas Riding Lawn Mower, I couldn’t wait to see if it truly lives up to the hype. The first thing I noticed was its solid build — the stamped steel deck feels rugged and ready to handle those big mowing jobs.
The 42-inch cutting deck is a game-changer. It slices through grass effortlessly, covering up to 2 acres without breaking a sweat.
The 17.5 HP Briggs and Stratton engine starts smoothly every time, even on chilly mornings, which is a relief. The engine’s power feels just right for tackling thick patches or uneven terrain.
What really stood out is how easy it is to maneuver around obstacles. The 18-inch turning radius allows me to navigate tight spots with confidence.
Plus, the heavy-duty wheels—15×6 in front and 20×8 in back—provide stability on uneven ground. The 7-speed manual transmission gives me control over speed, making it comfortable whether I’m trimming edges or cruising across the yard.
The contoured low-back seat is surprisingly comfortable for such a rugged mower. I could spend hours riding without feeling sore.
An added bonus is the optional mulching kit, which makes the yard look professionally finished, saving me from raking up clippings.
Overall, it’s a reliable, powerful, and easy-to-handle mower that cuts my yard chores down to size. It’s a solid investment for anyone with a sizable lawn who wants performance without fuss.
CRAFTSMAN 36″ Gas Riding Lawn Mower 11.5 HP Briggs Engine
- ✓ Powerful 11.5 HP Briggs engine
- ✓ Easy maneuverability
- ✓ Comfortable ride
- ✕ Not ideal for very tight spaces
- ✕ Requires regular maintenance
| Cutting Width | 36 inches |
| Engine Power | 11.5 HP Briggs and Stratton single-cylinder engine |
| Deck Material | Reinforced stamped steel |
| Mowing Capacity | Up to 2 acres per session |
| Turning Radius | 18 inches |
| Transmission | 7-speed manual |
Fumbling with the handlebar of this Craftsman 36″ riding mower for the first time, I immediately noticed how sturdy and well-balanced it felt in my hands. The steel deck has a solid weight to it, giving me confidence that it’s built to last.
As I started the Briggs and Stratton engine, I was pleased at how effortlessly it roared to life—no fuss, just reliable power.
Once underway, the mower’s 11.5 HP engine handled thick grass with ease, cutting through up to two acres without breaking a sweat. I appreciated the tight 18″ turning radius, which made navigating around flower beds and tight corners surprisingly simple.
The Turf Saver wheels kept the ride smooth, even over uneven patches.
The 7-speed manual transmission gave me control over my pace, whether I wanted to cruise or go faster. Sitting on the contoured low-back seat, I felt comfortable during longer mowing sessions.
The included mulching kit was a nice bonus, allowing me to finish the lawn with a professional look. Overall, it’s a mower that balances power, maneuverability, and comfort—perfect for yard upkeep without feeling like a chore.
That said, it’s not without minor drawbacks. The mower’s size means it’s best for open spaces, and tight spots can be a little tricky.
Also, because it’s a gas-powered machine, regular maintenance and refueling are part of the package.
What Are the Most Popular Financing Options for Riding Lawn Mowers?
The most popular financing options for riding lawn mowers include:
- Manufacturer Financing: Many manufacturers offer promotional financing plans to help customers afford their riding lawn mowers.
- Personal Loans: Personal loans from banks or credit unions can be used to finance the purchase of a riding lawn mower.
- Credit Cards: Using a credit card can be a quick way to finance a riding lawn mower, especially if the card has a promotional 0% APR offer.
- Retailer Financing: Home improvement and garden retailers often provide their own financing options, sometimes with special terms for specific products.
- Lease-to-Own Programs: Some companies offer lease-to-own programs that allow customers to make monthly payments with the option to purchase at the end of the lease term.
Manufacturer Financing: This option allows customers to take advantage of special deals directly from the manufacturer, often with low or no interest rates for a set period. These plans typically require good credit but can make it financially easier to purchase a mower during promotional periods.
Personal Loans: Personal loans are a versatile option that can be used for various purposes, including purchasing a riding lawn mower. Borrowers can choose the amount and term that fits their budget, and rates can be competitive, especially for those with good credit scores.
Credit Cards: Financing a riding lawn mower with a credit card can provide immediate purchasing power, particularly if the card offers a 0% introductory APR on new purchases. However, it’s important to pay off the balance before the promotional period ends to avoid high interest charges.
Retailer Financing: Many retailers offer financing options tailored to their products, including riding lawn mowers. These plans may include deferred payments or low interest, making it easier for customers to budget their purchases over time.
Lease-to-Own Programs: Lease-to-own options allow consumers to rent a riding lawn mower with the intention of buying it later. This can be an appealing choice for those who want to try out a mower before committing to the full purchase price, with monthly payments that can be applied toward the eventual purchase.
How Do I Choose the Right Financing Option for My Riding Lawn Mower?
Selecting the right financing option for your riding lawn mower involves considering various factors such as your budget, credit score, and the terms of the financing offer.
- Personal Loan: A personal loan allows you to borrow a fixed amount of money from a bank or credit union, which you can use to purchase your mower. These loans typically have fixed interest rates and repayment terms, making budgeting easier, but they may require a good credit score to qualify for the best rates.
- Retail Financing: Many lawn mower retailers offer financing options directly at the point of sale, which can include promotional offers like zero-interest financing for a certain period. However, it is essential to read the fine print, as interest rates may spike significantly after the promotional period ends if the balance is not paid off.
- Credit Card Financing: Using a credit card to finance your riding lawn mower can be convenient, especially if you have a card with a low-interest rate or cashback rewards. However, this option may lead to high-interest charges if the balance is not paid off quickly, so it is crucial to have a repayment plan in place.
- Lease-to-Own Programs: Some retailers offer lease-to-own arrangements where you can make monthly payments to use the mower, with the option to buy it at the end of the lease term. This option can be attractive if you want to try out a mower before committing to a purchase, but be sure to evaluate the total cost over time, as it may end up being more expensive than buying outright.
- Manufacturer Financing: Certain manufacturers provide financing options or incentives for their products, which can include lower rates or deferred payments. This can be a great way to secure a deal directly from the manufacturer, but it is advisable to compare these offers with other financing options to ensure you are getting the best deal overall.
What Factors Should Influence My Decision on Interest Rates?
When considering the best riding lawn mower financing, several factors should influence your decision on interest rates.
- Credit Score: Your credit score significantly impacts the interest rates you may qualify for. A higher credit score typically results in lower interest rates, making financing more affordable, while a lower score can lead to higher rates and potentially less favorable terms.
- Loan Term: The length of the loan can affect the interest rate as well. Generally, shorter loan terms may come with lower interest rates, but they also mean higher monthly payments, while longer terms might offer lower payments but usually come with higher overall interest costs.
- Down Payment: The amount you are willing to put down upfront can influence your financing options. A larger down payment can reduce the principal amount financed, potentially leading to a lower interest rate and reducing the overall cost of the loan.
- Loan Type: Different types of loans, such as secured or unsecured loans, can have varying interest rates. Secured loans often have lower rates because they are backed by collateral, whereas unsecured loans might carry higher rates due to the increased risk for the lender.
- Lender Offers: Various lenders may provide different interest rates and terms for the same type of financing. It’s essential to shop around and compare offers to find the best deal that suits your financial situation and needs.
- Promotional Rates: Sometimes manufacturers or dealers offer promotional financing rates, especially during peak seasons. These special rates can be significantly lower than standard rates, making it an excellent opportunity for buyers looking to save on financing costs.
- Overall Financial Situation: Your current financial health, including income, existing debt, and expenses, should all be considered. A stable financial situation may afford you better interest rates and terms, whereas a shaky financial background could limit your options and increase costs.
How Do Loan Terms Impact My Riding Lawn Mower Financing Choice?
Down Payment Requirements: Many financing options require a down payment, which can range from 0% to 20% or more of the mower’s price. A larger down payment can reduce the amount financed and lower monthly payments, making the loan more manageable.
Monthly Payment Amounts: Assessing what you can afford in monthly payments is essential to avoid financial strain. A budget that accounts for all expenses will help you determine the best financing option that fits your financial situation.
Prepayment Penalties: Some financing agreements may include penalties for paying off the loan early. Understanding these terms is important to avoid unexpected fees and to plan your repayment strategy effectively.
What Are the Key Benefits of Financing a Riding Lawn Mower?
Lastly, financing a mower can result in improved maintenance and longevity of the equipment. By not depleting savings for the purchase, buyers can allocate funds for regular maintenance, ensuring their mower remains in optimal condition for years to come.
What Common Pitfalls Should I Avoid When Financing a Riding Lawn Mower?
Overlooking the Importance of Credit Scores can result in higher interest rates; understanding and improving your credit can enable access to more favorable financing arrangements. Neglecting to Read the Fine Print is crucial, as hidden fees or unfavorable terms can increase the cost of financing, so always ensure to review agreements carefully before signing.
Failing to Consider the Resale Value of a mower can affect future financial recovery; selecting a model known for holding value can be advantageous if you plan to sell or trade it in later. Underestimating the Impact of Interest Rates could lead to paying significantly more over time, so securing a lower rate is beneficial for long-term savings.
Not Understanding Loan Terms can create confusion and unexpected financial obligations; it’s important to clarify any uncertainties with lenders to avoid pitfalls associated with penalties or repayment conditions.
How Can I Secure Better Approval Chances for Riding Lawn Mower Financing?
To secure better approval chances for riding lawn mower financing, consider the following strategies:
- Check Your Credit Score: A higher credit score typically results in better financing options and lower interest rates. Before applying, review your credit report for any errors and pay down existing debts to improve your score.
- Compare Lenders: Various lenders offer different terms and conditions, so it’s crucial to shop around. Look for lenders that specialize in equipment financing and compare interest rates, fees, and repayment terms to find the best fit for your financial situation.
- Provide a Larger Down Payment: Offering a substantial down payment can significantly enhance your approval chances. A larger upfront payment reduces the lender’s risk and may lead to more favorable loan terms.
- Demonstrate Stable Income: Lenders prefer borrowers with a reliable income source. Prepare documentation such as pay stubs or tax returns to showcase your financial stability and ability to make monthly payments.
- Consider a Co-Signer: If your credit history is less than perfect, having a co-signer with good credit can improve your chances of approval. A co-signer agrees to take responsibility for the loan if you default, which can reassure lenders of the loan’s security.
- Choose the Right Time to Apply: Timing can play a crucial role in financing approval. Applying during a period when lenders have promotional rates or during off-peak seasons can improve your chances of securing better financing terms.
- Research Financing Options: Some manufacturers or dealerships offer promotional financing deals that can be more favorable than traditional loans. Investigate these options thoroughly to see if any special financing programs are available for the riding lawn mower you wish to purchase.
Who Are the Leading Lenders for Riding Lawn Mower Financing?
When looking for financing options for purchasing a riding lawn mower, several lenders stand out due to their competitive terms and customer service. Key options include:
-
SquareTrade: Known for its flexible financing plans that cater to various credit scores. They often provide special offers during peak seasons.
-
Wells Fargo: Offers loans specifically tailored for equipment purchases, including lawn mowers. Their terms are favorable for those with good credit, and they provide a straightforward application process.
-
LendingClub: A peer-to-peer lender that permits borrowing for various needs, including lawn care equipment. They offer competitive interest rates and terms, especially for applicants with strong credit histories.
-
Synchrony Financial: Frequently partners with lawn mower retailers to provide promotional financing options, including 0% interest for a set period, making it an attractive choice for consumers.
-
GreenSky: Focuses on home improvement financing, providing loans for equipment like riding lawn mowers. They have a swift online application process and flexible repayment options.
These lenders provide diverse financing solutions, enabling consumers to choose based on their financial situation and preferences.
Related Post: