PERSONAL / CONSUMER PROGRAM

BUSINESS / COMMERCIAL PROGRAM
Application Requirments Application Requirments
Credit Score Minimum acceptable credit score is 580 Credit Score Minimum acceptable credit score is 580

Employment

With current employer as a W2 employee for at least 12 months, or veritably self-employed for 12 months.

Business Structure

"John Doe" doing business as "Doe Mowing" is OK. Sole Prop, LLC, Inc., etc.
We recommend you have a Tax ID.
Checking Account Have a checking account for a minimum of 1 month, and it must not be a prepaid account. Time in Business

Best terms with 2+ years in business.
Start-up Program has 0 days time in business.

Net Income Minimum monthly net income of $1,500 Amount Financed A Credits up to $150,000. Start-ups up to $50,000. C Credits up to $35,000
Bankruptcy No bankruptcy filed is best, but if one has been filed, it must have been discharged at least one year. Bankruptcy No bankruptcy filed is best, but if one has been filed, it must have been discharged at least two years.
Residence Due to state laws, we don’t do consumer transactions in NJ, WI, MN, VT Risk-based Pricing "A" Credits starting at 7%. For "B" Credits, rates range from 12% to 20%. "C" Credits range from 20 - 30%
Personal / Consumer Program Business / Commercial Program
      • Now $200 - $6,000
      • Credit Score as low as 580
      • Term up to 36 months
      • Early Payoff Discount
      • 30 Days Same as Cash
      • Only One Payment to start
      • Structured as a lease
      • Customer owns mower at end
      • A re-usable credit line
      • Once paid down, reuse it
      • Skip a payment option*
      • Now $2,000 - $150,000
      • Credit Score as low as 600
      • Term 24 to 60 months
      • Multiple products on any sale
      • New and Used Equipment
      • New Business Program
      • 2 years plus for best rates
      • Sole Prop OK, No Tax ID
      • Can be a Lease or EFA
      • Customer owns mower at end
      • No balloon payment at lease end
*Skip-A-Payment option becomes available after the first four payments. Also, your two Skip-A-Payment options cannot be used back to back. They can be used separately at any time.  

Apply Now

 

Apply Now

 

Sample Payments
Personal / Consumer Program

Sample Payments
Business / Commercial Program

Product Amount*

Semi-Monthly Payment**

Months
$200 $15 12
$500 27 18
$750 39 18
$1,000 43 24
$1,250 49 24
$1,500 54 28
$1,750 56 30
$2,000 59 34
$2,250 66 34
$2,500 71 36
$2,750 77 38
$3,000 83 40
$3,250 96 27
$3,500 98 29
$3,750 102 30
$4,000 105 31
$4,250 112 31
$4,500 118 31
$4750 124 31
$5,000 131 31
$5,250 136 31
$5,500 138 32
$5,750 142 33
$6,000 144 34

*Includes product price & sales tax.
**Example is for payment every two weeks.

B Rates

$1,000 - $75,000

2+ years time in business required

24 months to 60 months

625+ Credit Score / No Bankruptcy

Homeowner / Established Credit

Typical Rate Factors:

C Rates

$1,000 - $35,000

2+ years time in business required

24 months to 60 months

610+ Credit Score / No Bankruptcy

Homeowner / Established Credit

Typical Rate Factors:

D Rates

$1,000 - $9,000

0 years time in business

24 months to 48 months

600+ Credit Score

Credit re-established after BK

Typical Rate Factors:

30 DAY SAME AS CASH OPTION

If you wish to purchase the products in your installment lease from Community Finance, within 30 days of the Installment Lease date, your purchase price will be the exact same amount that we paid to purchase the item(s). The purchase price includes the full price we paid to the store; product price, taxes, commission, etc.

Apply Now

Apply Now

 

 Questions? Call 888-464-6256