Shanks Lawn Equipment Finance Department

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Choosing the Right Financing Option

We partner with several trusted financing providers because every lender has different approval guidelines, interest rates, promotional offers, and credit requirements. Selecting the lender that best matches your credit profile can improve your chances of approval and help you receive the most competitive financing terms.

As a general guideline for consumer/business financing:

Excellent Credit (740+) – Consider Synchrony Bank, Sheffield Financial, Octane/Huntington Bank, or Vibrant Credit Union for the best promotional financing and lowest available rates. (Contact us for specific Promotions By Brand)
Good Credit (680–739) – Sheffield Financial, Synchrony Bank, Octane/Huntington Bank, Vibrant Credit Union, and Currency Finance are often good choices. (Contact us for specific Promotions By Brand)
Fair Credit (620–679) – Currency Finance, Octane/Roadrunner Financial, Mower Finance (Terrace Finance), Western Equipment Finance, and some Vibrant Credit Union programs may provide financing options.
Building or Rebuilding Credit (Below 620) – Quick Lease, Roadrunner Financial, and selected Mower Finance (Terrace Finance) programs may offer solutions when traditional financing is unavailable.
For Business Entity Financing Only (No Personal Accounts): Western Equipment Finance offers plans for established businesses both with and without personal guarantees.

Please remember that these are general guidelines only. Every financing company uses its own underwriting criteria, and approval decisions are based on several factors, including credit history, income, debt obligations, and the equipment being purchased. Our dealership does not approve or deny financing applications and cannot guarantee approval. All credit decisions, terms, and rates are determined solely by the financing provider.

Well to Lower Qualified Buyers