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If you're looking to conquer the off-roads, Bad Boy has you covered. We've partnered with some of the industry's most respectable financial institutions to bring you the best money-saving options for your Bandit UTV.

Finance Your Bad Boy Bandit UTV
Sheffield Financing
Dealer Direct Financing
Sheffield Financing

Bad Boy Mowers has partnered with Sheffield Financial to provide fixed, straight, installment loans for purchases of a Bad Boy Bandit UTV.

ANNUAL PERCENTAGE RATE subject to increase after promotional period.

Note: The following financing programs are offered by Sheffield Financial is 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. Financing promotions void where prohibited. Offer subject to change without notice. Offer effective on eligible and qualified Bad Boy Mowers purchased from a participating Bad Boy Mower dealer between 11/1/2025 and 1/31/2026.

No dealer recourse or reserve. Same day funding available. Direct deposit available. All loans subject to credit approval. Other features available. Subject to change without notice. $75,000 maximum amount financed. UCC filing fee may be charged. Sheffield Financial is a division of Truist Bank, Member FDIC.

Click Here To Apply Now Contact Your Local Bad Boy Dealer For more Info

Ride NOW Pay LATER
Zero Interest for 120 Days
No Payment for 150 Days thereafter
4.99% for 48 Months [5.13% APR*]

Minimum Purchase
Requirement

$1,500

Interest Rate

4.99%

Term

48 Months

Loan Documentation
Fee

$150

*Example: On a 11/1/2025 financed amount of $7,500, your down payment is $0, no interest for 120 days and no payment for 150 days followed by 48 monthly payments of $176.11each. Interest rate is 4.99% [APR is 5.13%].

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.


Ride NOW Pay LATER
Zero Interest for 120 Days
No Payment for 150 Days thereafter
5.49% for 60 Months [5.55% APR*]

Minimum Purchase
Requirement

$2,500

Interest Rate

5.49%

Term

60 Months

Loan Documentation
Fee

$150

*Example: On a 11/1/2025 financed amount of $7,500, your down payment is $0, no interest for 120 days and no payment for 150 days followed by 60 monthly payments of $149.61 each. Interest rate is 5.49% [APR is 5.55%].

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 $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.


0.99% for 42 Months [2.11% APR*]

Minimum Purchase
Requirement

$1,500

Interest Rate

0.99%

Term

42 Months

Loan Documentation
Fee

$150

*Example: On financed amount of $7,500, your down payment is $0 with 42 monthly payments of $185.39 each. Interest Rate is .99% [APR is 2.11%].

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.


1.99% for 48 Months [2.97% APR*]

Minimum Purchase
Requirement

$1,500

Interest Rate

1.99%

Term

48 Months

Loan Documentation
Fee

$150

*Example: On financed amount of $7,500, your down payment is $0 with 48 monthly payments of $165.93 each. Interest Rate is 1.99% [APR is 2.97%].

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.


1.99% for 60 Months [2.89% APR*]

Minimum Purchase
Requirement

$1,500

Interest Rate

1.99%

Term

60 Months

Loan Documentation
Fee

$150

*Example: On financed amount of $7,500, your down payment is $0 with 60 monthly payments of $134.06 each. Interest Rate is 1.99% [APR is 2.89%].

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 $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.


3.99% for 48 Months [4.98% APR*]

Minimum Purchase
Requirement

$1,500

Interest Rate

3.99%

Term

48 Months

Loan Documentation
Fee

$150

*Example: On financed amount of $7,500, your down payment is $0 with 48 monthly payments of $172.63 each. Interest Rate is 3.99% [APR is 4.98%].

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 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 72 Months [6.34% APR*]

Minimum Purchase
Requirement

$15,000

Interest Rate

5.99%

Term

72 Months

Loan Documentation
Fee

$150

*Example: On financed amount of $15,000, your down payment is $0 with 72 monthly payments of $251.02 each. Interest Rate is 6.34% [APR is 6.69%].

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 $15,000; 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 [5.98% APR*]

Minimum Purchase
Requirement

$1,500

Interest Rate

4.99%

Term

48 Months

Loan Documentation
Fee

$150

*Example: On financed amount of $7,500, your down payment is $0 with 48 monthly payments of $176.05 each. Interest Rate is 4.99% [APR is 5.98%].

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 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.


3.99% for 60 Months [4.79% APR*]

Minimum Purchase
Requirement

$2,500

Interest Rate

3.99%

Term

60 Months

Loan Documentation
Fee

$150

*Example: On financed amount of $7,500, your down payment is $0 with 60 monthly payments of $140.80 each. Interest Rate is 3.99% [APR is 4.79%].

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.


4.99% for 60 Months [5.80% APR*]

Minimum Purchase
Requirement

$2,500

Interest Rate

4.99%

Term

60 Months

Loan Documentation
Fee

$150

*Example: On financed amount of $7,500, your down payment is $0 with 60 monthly payments of $144.26 each. Interest Rate is 4.99% [APR is 5.80%].

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.


8.99% for 12 Months [10.29% APR*]

Minimum Purchase
Requirement

$500

Interest Rate

10.29%

Term

12 Months

Loan Documentation
Fee

$50

*Example: On financed amount of $7,500, your down payment is $0 with 12 monthly payments of $660.39 each. Interest Rate is 8.99% [APR is 10.29%].

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 640. Minimum amount financed $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 $50.00. Offer subject to change without notice.


10.99% for 24 Months [12.96% APR*]

Minimum Purchase
Requirement

$1,500

Interest Rate

10.99%

Term

24 Months

Loan Documentation
Fee

$150

*Example: On financed amount of $7,500, your down payment is $0 with 24 monthly payments of $356.43 each. Interest Rate is 10.99% [APR is 12.96%].

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 640. 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.


12.99% for 36 Months [14.36% APR*]

Minimum Purchase
Requirement

$1,500

Interest Rate

12.99%

Term

36 Months

Loan Documentation
Fee

$150

*Example: On financed amount of $7,500, your down payment is $0 with 36 monthly payments of $257.65 each. Interest Rate is 12.99% [APR is 14.36%].

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 640. 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.


14.99% for 48 Months [16.06% APR*]

Minimum Purchase
Requirement

$1,500

Interest Rate

14.99%

Term

48 Months

Loan Documentation
Fee

$150

*Example: On financed amount of $7,500, your down payment is $0 with 48 monthly payments of $212.80 each. Interest Rate is 14.99% [APR is 16.06%].

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 640. 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.


Sub-prime Program
10.99% for 36 Months [12.35% APR*]

Minimum Purchase
Requirement

$1,500

Interest Rate

10.99%

Term

36 Months

Loan Documentation
Fee

$150

*Example: On financed amount of $7,500, your down payment is $0 with 36 monthly payments of $250.36 each. Interest Rate is 10.99% [APR is 12.35%].

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 640. 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.

Dealer Direct

Bad Boy has partnered with Dealer Direct to provide On The Spot Retail Financing for purchases of a Bad Boy Bandit UTV.

Click Here To Apply Now Contact Your Local Bad Boy Dealer For more Info

1.99% for 36 Months
with 36 Equal Monthly Principal & Interest Payments*

Minimum Purchase
Requirement

$2,000

Interest Rate

1.99%

Term

36 Months

Loan Documentation
Fee

$125

* Effective August 1 – October 31, 2025. Applicants must have a FICO score of 650 or higher to qualify for loans equal to or below $30,000. For loans above $30,000, applicants must have a FICO score of 700 or higher. No down payment required (with acceptable credit). Additions for accessories must be pre-approved by a credit officer. Title vehicles will require proof of registration or actual MSO. Proof of insurance may be required at funding. All applicable fees required by each state (i.e UCC fees, direct lien fees, etc.) will be added. Maximum loan amount = $50,000.00. $125 Loan Processing Fee (added to loan). LTV: New Units factory invoice / Used units @ lenders discretion. Used units must meet aging guidelines. Associated dealer cost must be paid at closing.


0.99% for 42 Months
with 42 Equal Monthly Principal & Interest Payments*

Minimum Purchase
Requirement

$2,000

Interest Rate

0.99%

Term

42 Months

Loan Documentation
Fee

$125

* Effective August 1 – October 31, 2025. Applicants must have a FICO score of 650 or higher to qualify for loans equal to or below $30,000. For loans above $30,000, applicants must have a FICO score of 700 or higher. No down payment required (with acceptable credit). Additions for accessories must be pre-approved by a credit officer. Title vehicles will require proof of registration or actual MSO. Proof of insurance may be required at funding. All applicable fees required by each state (i.e UCC fees, direct lien fees, etc.) will be added. Maximum loan amount = $50,000.00. $125 Loan Processing Fee (added to loan). LTV: New Units factory invoice / Used units @ lenders discretion. Used units must meet aging guidelines. Associated dealer cost must be paid at closing.


1.99% for 48 Months
with 48 Equal Monthly Principal & Interest Payments*

Minimum Purchase
Requirement

$2,000

Interest Rate

1.99%

Term

48 Months

Loan Documentation
Fee

$125

* Effective August 1 – October 31, 2025. Applicants must have a FICO score of 650 or higher to qualify for loans equal to or below $30,000. For loans above $30,000, applicants must have a FICO score of 700 or higher. No down payment required (with acceptable credit). Additions for accessories must be pre-approved by a credit officer. Title vehicles will require proof of registration or actual MSO. Proof of insurance may be required at funding. All applicable fees required by each state (i.e UCC fees, direct lien fees, etc.) will be added. Maximum loan amount = $50,000.00. $125 Loan Processing Fee (added to loan). LTV: New Units factory invoice / Used units @ lenders discretion. Used units must meet aging guidelines. Associated dealer cost must be paid at closing.


1.99% for 60 Months
with 60 Equal Monthly Principal & Interest Payments*

Minimum Purchase
Requirement

$2,000

Interest Rate

1.99%

Term

60 Months

Loan Documentation
Fee

$125

* Effective August 1 – October 31, 2025. Applicants must have a FICO score of 650 or higher to qualify for loans equal to or below $30,000. For loans above $30,000, applicants must have a FICO score of 700 or higher. No down payment required (with acceptable credit). Additions for accessories must be pre-approved by a credit officer. Title vehicles will require proof of registration or actual MSO. Proof of insurance may be required at funding. All applicable fees required by each state (i.e UCC fees, direct lien fees, etc.) will be added. Maximum loan amount = $50,000.00. $125 Loan Processing Fee (added to loan). LTV: New Units factory invoice / Used units @ lenders discretion. Used units must meet aging guidelines. Associated dealer cost must be paid at closing.


3.99% for 48 Months
with 48 Equal Monthly Principal & Interest Payments*

Minimum Purchase
Requirement

$2,000

Interest Rate

3.99%

Term

48 Months

Loan Documentation
Fee

$125

* Effective August 1 – October 31, 2025. Applicants must have a FICO score of 650 or higher to qualify for loans equal to or below $30,000. For loans above $30,000, applicants must have a FICO score of 700 or higher. No down payment required (with acceptable credit). Additions for accessories must be pre-approved by a credit officer. Title vehicles will require proof of registration or actual MSO. Proof of insurance may be required at funding. All applicable fees required by each state (i.e UCC fees, direct lien fees, etc.) will be added. Maximum loan amount = $50,000.00. $125 Loan Processing Fee (added to loan). LTV: New Units factory invoice / Used units @ lenders discretion. Used units must meet aging guidelines. Associated dealer cost must be paid at closing.


4.99% for 48 Months
with 48 Equal Monthly Principal & Interest Payments*

Minimum Purchase
Requirement

$2,000

Interest Rate

4.99%

Term

48 Months

Loan Documentation
Fee

$125

* Effective August 1 – October 31, 2025. Applicants must have a FICO score of 650 or higher to qualify for loans equal to or below $30,000. For loans above $30,000, applicants must have a FICO score of 700 or higher. No down payment required (with acceptable credit). Additions for accessories must be pre-approved by a credit officer. Title vehicles will require proof of registration or actual MSO. Proof of insurance may be required at funding. All applicable fees required by each state (i.e UCC fees, direct lien fees, etc.) will be added. Maximum loan amount = $50,000.00. $125 Loan Processing Fee (added to loan). LTV: New Units factory invoice / Used units @ lenders discretion. Used units must meet aging guidelines. Associated dealer cost must be paid at closing.


3.99% for 60 Months
with 60 Equal Monthly Principal & Interest Payments*

Minimum Purchase
Requirement

$2,000

Interest Rate

3.99%

Term

60 Months

Loan Documentation
Fee

$125

* Effective August 1 – October 31, 2025. Applicants must have a FICO score of 650 or higher to qualify for loans equal to or below $30,000. For loans above $30,000, applicants must have a FICO score of 700 or higher. No down payment required (with acceptable credit). Additions for accessories must be pre-approved by a credit officer. Title vehicles will require proof of registration or actual MSO. Proof of insurance may be required at funding. All applicable fees required by each state (i.e UCC fees, direct lien fees, etc.) will be added. Maximum loan amount = $50,000.00. $125 Loan Processing Fee (added to loan). LTV: New Units factory invoice / Used units @ lenders discretion. Used units must meet aging guidelines. Associated dealer cost must be paid at closing.


4.99% for 60 Months
with 60 Equal Monthly Principal & Interest Payments*

Minimum Purchase
Requirement

$2,000

Interest Rate

4.99%

Term

60 Months

Loan Documentation
Fee

$125

* Effective August 1 – October 31, 2025. Applicants must have a FICO score of 650 or higher to qualify for loans equal to or below $30,000. For loans above $30,000, applicants must have a FICO score of 700 or higher. No down payment required (with acceptable credit). Additions for accessories must be pre-approved by a credit officer. Title vehicles will require proof of registration or actual MSO. Proof of insurance may be required at funding. All applicable fees required by each state (i.e UCC fees, direct lien fees, etc.) will be added. Maximum loan amount = $50,000.00. $125 Loan Processing Fee (added to loan). LTV: New Units factory invoice / Used units @ lenders discretion. Used units must meet aging guidelines. Associated dealer cost must be paid at closing.


5.99% for 72 Months
with 72 Equal Monthly Principal & Interest Payments*

Minimum Purchase
Requirement

$2,000

Interest Rate

5.99%

Term

72 Months

Loan Documentation
Fee

$125

* Effective August 1 – October 31, 2025. Applicants must have a FICO score of 650 or higher to qualify for loans equal to or below $30,000. For loans above $30,000, applicants must have a FICO score of 700 or higher. No down payment required (with acceptable credit). Additions for accessories must be pre-approved by a credit officer. Title vehicles will require proof of registration or actual MSO. Proof of insurance may be required at funding. All applicable fees required by each state (i.e UCC fees, direct lien fees, etc.) will be added. Maximum loan amount = $50,000.00. $125 Loan Processing Fee (added to loan). LTV: New Units factory invoice / Used units @ lenders discretion. Used units must meet aging guidelines. Associated dealer cost must be paid at closing.