Choose The Option That's Right for You
If you're looking to tackle your toughest jobs, 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 Bad Boy Recon or Terrain.
Bad Boy has partnered with Sheffield Financial to provide fixed, straight, installment loans for purchases of Bad Boy Light Construction equipment.
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 Recon and Terrain units purchased from a participating Bad Boy Light Construction dealer between 11/1/2026 and 1/31/2027.
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. $150,000 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 InfoBuild NOW Pay
LATER
Zero Interest for 120
Days
No Payment for 150 Days thereafter
2.99% for 48
Months [3.42% APR*]
Minimum
Purchase
Requirement
$1,500
Interest Rate
2.99%
Term
48 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $7,500, your Down Payment is $0.00, no interest for 120 days and payment for 150 days followed by 48 monthly payments of $169.29 each. Interest rate is 2.99% [ANNUAL PERCENTAGE RATE is 3.42% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $1500.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
0% for 48 Months [0.98% APR*]
Minimum
Purchase
Requirement
$1,500
Interest Rate
0%
Term
48 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $7,500, your down payment is $0.00 with 48 monthly payments of $159.38 each. Interest rate is 0.00% [ANNUAL PERCENTAGE RATE is 0.98% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $1500.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
0% for 60 Months [0.78% APR*]
Minimum
Purchase
Requirement
$2,500
Interest Rate
0%
Term
60 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $7,500, your down payment is $0.00 with 60 monthly payments of $127.50 each. Interest rate is 0.00% [ANNUAL PERCENTAGE RATE is 0.78% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $2500.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
1.99% for 48 Months [2.98% APR*]
Minimum
Purchase
Requirement
$1,500
Interest Rate
1.99%
Term
48 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $7,500, your down payment is $0.00 with 48 monthly payments of $165.94 each. Interest Rate is 1.99% [ANNUAL PERCENTAGE RATE is 2.98% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $1500.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
1.99% for 60 Months [2.79% APR*]
Minimum
Purchase
Requirement
$2,500
Interest Rate
1.99%
Term
60 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $7,500, your down payment is $0.00 with 60 monthly payments of $134.06 each. Interest Rate is 1.99% [ANNUAL PERCENTAGE RATE is 2.79% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $2500.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
2.99% for 60 Months [3.79% APR*]
Minimum
Purchase
Requirement
$2,500
Interest Rate
2.99%
Term
60 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $7,500, your down payment is $0.00 with 60 monthly payments of $137.42 each. Interest Rate is 2.99% [ANNUAL PERCENTAGE RATE is 3.79% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $2500.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
3.99% for 60 Months [4.80% APR*]
Minimum
Purchase
Requirement
$2,500
Interest Rate
3.99%
Term
60 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $7,500, your down payment is $0.00 with 60 monthly payments of $140.86 each. Interest Rate is 3.99% [ANNUAL PERCENTAGE RATE is 4.80% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $2500.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
1.99% for 72 Months [2.32% APR*]
Minimum
Purchase
Requirement
$15,000
Interest Rate
1.99%
Term
72 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $15,000, your down payment is $0.00 with 72 monthly payments of $223.40 each. Interest Rate is 1.99% [ANNUAL PERCENTAGE RATE is 2.32% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $15000.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
2.99% for 72 Months [3.33% APR*]
Minimum
Purchase
Requirement
$15,000
Interest Rate
2.99%
Term
72 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $15,000, your down payment is $0.00 with 72 monthly payments of $230.12 each. Interest Rate is 2.99% [ANNUAL PERCENTAGE RATE is 3.33% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $15000.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
3.99% for 72 Months [4.33% APR*]
Minimum
Purchase
Requirement
$15,000
Interest Rate
3.99%
Term
72 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $15,000, your down payment is $0.00 with 72 monthly payments of $236.96 each. Interest Rate is 3.99% [ANNUAL PERCENTAGE RATE is 4.33% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $15000.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
4.99% for 72 Months [5.34% APR*]
Minimum
Purchase
Requirement
$15,000
Interest Rate
4.99%
Term
72 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $15,000, your down payment is $0.00 with 72 monthly payments of $243.92 each. Interest Rate is 4.99% [ANNUAL PERCENTAGE RATE is 5.34% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $15000.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
5.99% for 12 Months [7.25% APR*]
Minimum
Purchase
Requirement
$500
Interest Rate
5.99%
Term
12 Months
Loan
Documentation
Fee
$50
*Example: On amount financed of $7,500, your down payment is $0.00 with 12 monthly payments of $649.82 each. Interest Rate is 5.99% [ANNUAL PERCENTAGE RATE is 7.25% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $500.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $50.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
7.99% for 24 Months [9.95% APR*]
Minimum
Purchase
Requirement
$1,500
Interest Rate
7.99%
Term
24 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $7,500, your down payment is $0.00 with 24 monthly payments of $345.90 each. Interest Rate is 7.99% [ANNUAL PERCENTAGE RATE is 9.95% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $1500.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
9.99% for 36 Months [11.34% APR*]
Minimum
Purchase
Requirement
$1,500
Interest Rate
9.99%
Term
36 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $7,500, your down payment is $0.00 with 36 monthly payments of $246.76 each. Interest Rate is 9.99% [ANNUAL PERCENTAGE RATE is 11.34% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $1500.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
11.99% for 48 Months [13.04% APR*]
Minimum
Purchase
Requirement
$1,500
Interest Rate
11.99%
Term
48 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $7,500, your down payment is $0.00 with 48 monthly payments of $201.37 each. Interest Rate is 11.99% [ANNUAL PERCENTAGE RATE is 13.04% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $1500.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
8.99% for 12 Months [10.21% APR*]
Minimum
Purchase
Requirement
$500
Interest Rate
8.99%
Term
12 Months
Loan
Documentation
Fee
$50
*Example: On amount financed of $7,500, your down payment is $0.00 with 12 monthly payments of $660.10 each. Interest Rate is 8.99% [ANNUAL PERCENTAGE RATE is 10.21% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $500.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $50.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
10.99% for 24 Months [12.63% APR*]
Minimum
Purchase
Requirement
$1,500
Interest Rate
10.99%
Term
24 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $7,500, your down payment is $0.00 with 24 monthly payments of $355.27 each. Interest Rate is 10.99% [ANNUAL PERCENTAGE RATE is 12.63% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $1500.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
12.99% for 36 Months [14.13% APR*]
Minimum
Purchase
Requirement
$1,500
Interest Rate
12.99%
Term
36 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $7,500, your down payment is $0.00 with 36 monthly payments of $256.81 each. Interest Rate is 12.99% [ANNUAL PERCENTAGE RATE is 14.13% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $1500.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].
14.99% for 48 Months [15.88% APR*]
Minimum
Purchase
Requirement
$1,500
Interest Rate
14.99%
Term
48 Months
Loan
Documentation
Fee
$150
*Example: On amount financed of $7,500, your down payment is $0.00 with 48 monthly payments of $212.11 each. Interest Rate is 14.99% [ANNUAL PERCENTAGE RATE is 15.88% (E)].
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. Bureau risk score alone does not guarantee rate eligibility; other underwriting criteria may apply. Minimum amount financed $1500.00; Maximum amount financed $150,000.00. Other qualifications and restrictions may apply. An Origination Fee of $150.00 will be added to the amount financed in the above example. Offer effective on eligible and qualified units purchased from a participating Sheffield dealer. See dealer for product eligibility and qualifications between 11/1/2026 and 1/31/2027. Offer subject to change without notice [“E” means estimate”].