Current Financing Options
Special Financing for Homeowners and Contractors
Purchasing Exmark products is easy and affordable with special Exmark sponsored finance promotions available through your participating independent Exmark dealer. Both revolving charge (The Toro Company Credit Card through Synchrony) and installment loan (Sheffield Financial) programs are available. Your dealer may offer either one or both options -- just ask them. Apply online or visit your participating Exmark dealer today.
Note: Online applications are completed through the Synchrony or Sheffield Financial websites. Synchrony's and Sheffield's privacy statements and website terms and conditions apply. Exmark Credit Card is issued by Synchrony.
Non-Prime Credit for Consumers
At Roadrunner, we focus on credit builders and first-time buyers. We approve customers with a wide range of credit scores across the entire credit spectrum. Apply anywhere in minutes and receive an instant decision. Our simple process allows you to get on your Exmark mower faster. Super affordable rates and flexible terms make purchasing a premium performance Exmark mower closer than you think.
Commercial Leasing and Large Ticket Financing
Western Equipment Finance is a bank-owned, direct lender with a team of experienced commercial financing professionals. We underwrite, fund and service in-house. As a full service commercial equipment company, we provide both lease and conventional financing options. We have a strong commitment to operational excellence, providing an uncommon combination of industry experience and credibility with our customers. We provide flexibility and convenience to meet our customers needs. We invite you to experience the difference and choose Western Equipment Finance today.
Questions: (800) 451-7087 or email
Canadian Residents: Please contact your local dealer for financing available in your area.
Finance Options
No Interest if Paid in Full within 6 Months*
Synchrony
On purchases of $199 or more of outdoor power equipment and services made with your The Toro Company credit card between 11.1.2025 and 1.31.2026. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 months. Minimum Monthly Payments Required.
*Qualifying purchase amount must be on one receipt. A promo fee does not apply to this offer. No interest will be charged on the amount financed if you pay it off, in full, within the promo period. If you do not, interest will be charged on the amount financed from the purchase date. The required minimum monthly payments may or may not pay off the amount financed before the end of promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 11.1.2025: Purchase APR is 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A $150 promo fee will be charged on equal payment no interest promotions and fixed payment reduced APR promotions of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.No Interest if Paid in Full within 12 Months*
Synchrony
*Qualifying purchase amount must be on one receipt. A promo fee does not apply to this offer. No interest will be charged on the amount financed if you pay it off, in full, within the promo period. If you do not, interest will be charged on the amount financed from the purchase date. The required minimum monthly payments may or may not pay off the amount financed before the end of promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 11.1.2025: Purchase APR is 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A $150 promo fee will be charged on equal payment no interest promotions and fixed payment reduced APR promotions of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
No Interest if Paid in Full within 18 Months*
Synchrony
*Qualifying purchase amount must be on one receipt. A promo fee does not apply to this offer. No interest will be charged on the amount financed if you pay it off, in full, within the promo period. If you do not, interest will be charged on the amount financed from the purchase date. The required minimum monthly payments may or may not pay off the amount financed before the end of promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 11.1.2025: Purchase APR is 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A $150 promo fee will be charged on equal payment no interest promotions and fixed payment reduced APR promotions of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
0% Interest for 12 Months*
Synchrony
On Purchases of $1,000 or more of Exmark or Z Turf Equipment branded products and services made with your The Toro Company credit card between 11.1.2025 and 1.31.2026. Equal Monthly Payments Required for 12 months.
*Offer applies only to single-receipt qualifying purchases. A promo fee does not apply to this offer. No interest will be charged and equal monthly payments are required on amount financed until it is paid in full. The payments equal the initial total amount financed divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 11.1.2025: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge $2. A $150 promo fee will be charged on equal payment no interest promotions and fixed payment reduced APR promotions of 18 months or more. Existing cardholders: see your credit card agreement terms. Subject to credit approval.
0% Interest for 18 Months*
Synchrony
* Offer applies only to single-receipt qualifying purchases. A $150 promo fee will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. No interest will be charged on the amount financed (including related promo fee) and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 11.1.2025: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge $2. A $150 promo fee will be charged on equal payment no interest promotions and fixed payment reduced APR promotions of 18 months or more. Existing cardholders: see credit card agreement terms. Subject to credit approval.
0% for 24 Months [1.91% APR*]
Sheffield Financial
*Example: On financed amount of $7,500, your down payment is $0 with 24 monthly payments of $318.75 each. Interest Rate is 0% [APR is 1.91%].
Note: The above financing programs are offered by Sheffield Financial, a division of Truist Bank. Member FDIC. Subject to credit approval. Approval, and any rates and terms provided, are based on credit worthiness. Other financing offers are available. See your local dealer for details. Rate advertised is based on minimum bureau risk score of 660. Minimum amount financed $1,500; Maximum amount financed $75,000. Other qualifications and restrictions may apply. Offer effective on eligible and qualified units purchased from a participating dealer. See dealer for product eligibility and qualifications between 11/1/2025 and 1/31/2026. The advertised promotion includes an Origination Fee which has been added to the Amount Financed in the amount of $150.00. Offer subject to change without notice.
Synchrony
On Purchases of $3,000 or more of Exmark or Z Turf Equipment branded products and services made with your The Toro Company credit card between 11.1.2025 and 1.31.2026. Equal Monthly Payments Required for 24 months. A $150 promo fee will be included in required monthly payments.
* Offer applies only to single-receipt qualifying purchases. A $150 promo fee will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. No interest will be charged on the amount financed (including related promo fee) and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 11.1.2025: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge $2. A $150 promo fee will be charged on equal payment no interest promotions and fixed payment reduced APR promotions of 18 months or more. Existing cardholders: see credit card agreement terms. Subject to credit approval.
0% Interest for 36 Months* - Exclusively for 12-Point Fleet Purchases Only
Synchrony
*Offer applies only to single-receipt qualifying purchases. A $150 promo fee will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. No interest will be charged on the amount financed (including related promo fee) and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 11.1.2025: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge $2. A $150 promo fee will be charged on equal payment no interest promotions and fixed payment reduced APR promotions of 18 months or more. Existing cardholders: see credit card agreement terms. Subject to credit approval.
3.99% for 36 Months [5.31% APR*]
Sheffield Financial
*Example: On financed amount of $7,500, your down payment is $0 with 36 monthly payments of $225.84 each. Interest Rate is 3.99% [APR is 5.31%].
Note: The above financing programs are offered by Sheffield Financial, a division of Truist Bank. Member FDIC. Subject to credit approval. Approval, and any rates and terms provided, are based on credit worthiness. Other financing offers are available. See your local dealer for details. Rate advertised is based on minimum bureau risk score of 660. Minimum amount financed $1,500; Maximum amount financed $75,000. Other qualifications and restrictions may apply. Offer effective on eligible and qualified units purchased from a participating dealer. See dealer for product eligibility and qualifications between 11/1/2025 and 1/31/2026. The advertised promotion includes an Origination Fee which has been added to the Amount Financed in the amount of $150.00. Offer subject to change without notice.
4.99% for 48 Months [6.00% APR*]
Sheffield Financial
*Example: On financed amount of $7,500, your down payment is $0 with 48 monthly payments of $176.14 each. Interest Rate is 4.99% [APR is 6.00%].
Note: The above financing programs are offered by Sheffield Financial, a division of Truist Bank. Member FDIC. Subject to credit approval. Approval, and any rates and terms provided, are based on credit worthiness. Other financing offers are available. See your local dealer for details. Rate advertised is based on minimum bureau risk score of 660. Minimum amount financed $1,500; Maximum amount financed $75,000. Other qualifications and restrictions may apply. Offer effective on eligible and qualified units purchased from a participating dealer. See dealer for product eligibility and qualifications between 11/1/2025 and 1/31/2026. The advertised promotion includes an Origination Fee which has been added to the Amount Financed in the amount of $150.00. Offer subject to change without notice.
5.99% for 60 Months [6.82% APR*]
Sheffield Financial
*Example: On financed amount of $7,500, your down payment is $0 with 60 monthly payments of $147.86 each. Interest Rate is 5.99% [APR is 6.82%].
Note: The above financing programs are offered by Sheffield Financial, a division of Truist Bank. Member FDIC. Subject to credit approval. Approval, and any rates and terms provided, are based on credit worthiness. Other financing offers are available. See your local dealer for details. Rate advertised is based on minimum bureau risk score of 660. Minimum amount financed $2,500; Maximum amount financed $75,000. Other qualifications and restrictions may apply. Offer effective on eligible and qualified units purchased from a participating dealer. See dealer for product eligibility and qualifications between 11/1/2025 and 1/31/2026. The advertised promotion includes an Origination Fee which has been added to the Amount Financed in the amount of $150.00. Offer subject to change without notice.
0% for 48 Months [0.98% APR*] - Exclusively for 12-Point Fleet Purchases Only
Sheffield Financial
Qualifying New or Active 12-Point Fleet Purchases Only.
*Example: On financed amount of $7,500, your down payment is $0 with 48 monthly payments of $159.38 each. Interest Rate is 0% [APR is .98%].
Note: The above financing programs are offered by Sheffield Financial, a division of Truist Bank. Member FDIC. Subject to credit approval. Approval, and any rates and terms provided, are based on credit worthiness. Other financing offers are available. See your local dealer for details. Rate advertised is based on minimum bureau risk score of 700. Minimum amount financed $1,500; Maximum amount financed $75,000. Other qualifications and restrictions may apply. Offer effective on eligible and qualified units purchased from a participating dealer. See dealer for product eligibility and qualifications between 11/1/2025 and 1/31/2026. The advertised promotion includes an Origination Fee which has been added to the Amount Financed in the amount of 150.00. Offer subject to change without notice.
