Choose The Option That Works for You
That's right, it's never been easier to get a Bad Boy Tractor. We’ve partnered with some of the industry's most respectable financial institutions to bring you money-saving financing offers to keep your field, farm and property in top condition.
Bad Boy Mowers has partnered with Sheffield Financial to provide fixed, straight, installment loans for purchases of Bad Boy Tractors.
ANNUAL PERCENTAGE RATE subject to increase after promotional period.
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. Financing promotions void where prohibited. Offer subject to change without notice. Offer effective on eligible and qualified units purchased from a participating dealer. See dealer for product eligibility and qualifications between 5/1/2025 and 7/31/25.
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 Info0% for 72 Months [0.65% APR*]
Minimum
Purchase
Requirement
$7,500
Interest Rate
0%
Term
72 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $7,500, your down payment is $0 with 72 monthly payments of $106.25 each. Interest Rate is 0% [APR is 0.65%].
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 $7,500; 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 5/1/2025 and 7/31/25. 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 84 Months [1.35% APR*]
Minimum
Purchase
Requirement
$12,000
Interest Rate
0%
Term
84 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $12,000, your Down Payment is $0 with 84 monthly payments of $149.77 each. Interest Rate is 0% [APR is 1.35%].
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 700. Minimum amount financed $12,000; 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 5/1/2025 and 7/31/25. 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 84 Months [0.35% APR*]
Minimum
Purchase
Requirement
$12,000
Interest Rate
0.99%
Term
84 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $12,000, your Down Payment is $0 with 84 monthly payments of $144.65 each. Interest Rate is 0.99% [APR is .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 700. Minimum amount financed $12,000; 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 5/1/2025 and 7/31/25. 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 84 Months [4.35% APR*]
Minimum
Purchase
Requirement
$12,000
Interest Rate
3.99%
Term
84 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $12,000, your down payment is $0 with 84 monthly payments of $165.95 each. Interest Rate is 3.99% [APR is 4.35%].
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 700. Minimum amount financed $12,000; 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 5/1/2025 and 7/31/25. 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.
2.99% for 96 Months [3.12% APR*]
Minimum
Purchase
Requirement
$30,000
Interest Rate
2.99%
Term
96 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $30,000, your down payment is $0 with 96 monthly payments of $353.46 each. Interest Rate is 2.99% [APR is 3.12%].
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 730. Minimum amount financed $30,000; 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 5/1/2025 and 7/31/25. 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.
7.24% for 24 Months [9.19% APR*]
Minimum
Purchase
Requirement
$2,500
Interest Rate
7.24%
Term
24 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $7,500, your down payment is $0 with 24 monthly payments of $343.29 each. Interest Rate is 7.24% [APR is 9.19%].
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 675. 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 5/1/2025 and 7/31/25. 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.
7.24% for 36 Months [8.58% APR*]
Minimum
Purchase
Requirement
$2,500
Interest Rate
7.24%
Term
36 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $7,500, your down payment is $0 with 36 monthly payments of $237.02 each. Interest Rate is 7.24% [APR is 8.58%].
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 675. 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 5/1/2025 and 7/31/25. 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.
7.24% for 48 Months [8.26% APR*]
Minimum
Purchase
Requirement
$2,500
Interest Rate
7.24%
Term
48 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $7,500, your down payment is $0 with 48 monthly payments of $184.02 each. Interest Rate is 7.24% [APR is 8.26%].
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 675. 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 5/1/2025 and 7/31/25. 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.
7.74% for 60 Months [8.57% APR*]
Minimum
Purchase
Requirement
$2,500
Interest Rate
7.74%
Term
60 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $7,500, your down payment is $0 with 60 monthly payments of $154.14 each. Interest Rate is 7.74% [APR is 8.57%].
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 675. 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 5/1/2025 and 7/31/25. 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.
7.74% for 72 Months [8.54% APR*]
Minimum
Purchase
Requirement
$7,500
Interest Rate
7.74%
Term
72 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $7,500, your down payment is $0 with 72 monthly payments of $135.02 each. Interest Rate is 7.74% [APR is 8.45%].
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 $7,500; 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 5/1/2025 and 7/31/25. 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.
7.74% for 84 Months [8.63% APR*]
Minimum
Purchase
Requirement
$12,000
Interest Rate
7.74%
Term
84 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $12,000, your down payment is $0 with 84 monthly payments of $118.23 each. Interest Rate is 7.74% [APR is 8.63%].
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 $12,000; 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 5/1/2025 and 7/31/25. 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
$2,500
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 $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 5/1/2025 and 7/31/25. 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
$2,500
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 $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 5/1/2025 and 7/31/25. 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
$2,500
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 $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 5/1/2025 and 7/31/25. 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.
Bad Boy has partnered with ACUSI Financing to provide On The Spot Retail Financing for purchases of all Bad Boy Tractors.
Click Here To Apply Now Contact Your Local Bad Boy Dealer For more Info3.99% for 84
Months
with 84 Equal Monthly Principal & Interest Payments*
Minimum
Purchase
Requirement
$12,000
Interest Rate
3.99%
Term
84 Months
Loan
Documentation
Fee
$99
* APR=ANNUAL PERCENTAGE RATE The APR (Annual Percentage Rate) applicable to your account is based on creditworthiness, loan amount, and term of the loan. Not all collateral items qualify for the terms shown. All rates are advertised as an ‘as low as rate’. To be eligible for the 84-month term, a unit purchased from a participating dealer must exceed $12,000; the maximum amount financed is up to $75,000. Offer effective on eligible and qualified units purchased from participating dealers between April 1st, 2025 through April 30th, 2025. Loan Origination Fee will be added to the amount financed; under current promotion, the Loan Origination Fee is $99.00. Offer subject to change without notice.
4.99% for 100
Months
with 100 Equal Monthly Principal & Interest Payments*
Minimum
Purchase
Requirement
$12,000
Interest Rate
4.99%
Term
100 Months
Loan
Documentation
Fee
$99
* APR=ANNUAL PERCENTAGE RATE The APR (Annual Percentage Rate) applicable to your account is based on creditworthiness, loan amount, and term of the loan. Not all collateral items qualify for the terms shown. All rates are advertised as an ‘as low as rate’. To be eligible for the 100-month term, a unit purchased from a participating dealer must exceed $12,000; the maximum amount financed is up to $75,000. Offer effective on eligible and qualified units purchased from participating dealers between April 1st, 2025 through April 30th, 2025. Loan Origination Fee will be added to the amount financed; under current promotion, the Loan Origination Fee is $99.00. Offer subject to change without notice.
6.99% for 120
Months
with 120 Equal Monthly Principal & Interest Payments*
Minimum
Purchase
Requirement
$12,000
Interest Rate
6.99%
Term
120 Months
Loan
Documentation
Fee
$99
* APR=ANNUAL PERCENTAGE RATE The APR (Annual Percentage Rate) applicable to your account is based on creditworthiness, loan amount, and term of the loan. Not all collateral items qualify for the terms shown. All rates are advertised as an ‘as low as rate’. To be eligible for the 120-month term, a unit purchased from a participating dealer must exceed $12,000; the maximum amount financed is up to $75,000. Offer effective on eligible and qualified units purchased from participating dealers between April 1st, 2025 through April 30th, 2025. Loan Origination Fee will be added to the amount financed; under current promotion, the Loan Origination Fee is $99.00. Offer subject to change without notice.
Bad Boy has partnered with Dealer Direct to provide On The Spot Retail Financing for purchases of all Bad Boy Tractors.
Click Here To Apply Now Contact Your Local Bad Boy Dealer For more Info2.99% for 96
Months
with 96 Equal Monthly Principal & Interest Payments*
Minimum
Purchase
Requirement
$12,500
Interest Rate
2.99%
Term
96 Months
Loan
Documentation
Fee
$125
* Effective May 1 – July 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.