Choose The Option That Works for You
Bad Boy has the implements to help you get the job done, and the financing offers to help you save big. We've partnered with some of the industry's most respectable financial institutions to bring you the best money-saving options available.


Bad Boy Mowers has partnered with Sheffield Financial to provide fixed, straight, installment loans for purchases of Bad Boy Implements.
ANNUAL PERCENTAGE RATE subject to increase after promotional period.
Note: The below 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 2/1/2025 and 4/30/2025.
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 24 Months [1.91% APR*]
Minimum
Purchase
Requirement
$1,500
Interest Rate
0%
Term
24 Months
Loan
Documentation
Fee
$150
*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 2/1/2025 and 4/30/2025. 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 36 Months [1.29% APR*]
Minimum
Purchase
Requirement
$1,500
Interest Rate
0%
Term
24 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $7,500, your down payment is $0 with 36 monthly payments of $212.50 each. Interest Rate is 0% [APR is 1.29%].
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 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 2/1/2025 and 4/30/2025. 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 12 Months [3.23% APR*]
Minimum
Purchase
Requirement
$500
Interest Rate
1.99%
Term
12 Months
Loan
Documentation
Fee
$50
*Example: On financed amount of $7,500, your down payment is $0 with 12 monthly payments of $635.99 each. Interest Rate is 1.99% [APR is 3.23%].
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 $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 2/1/2025 and 4/30/2025. 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.
2.99% for 18 Months [4.69% APR*]
Minimum
Purchase
Requirement
$1,000
Interest Rate
2.99%
Term
18 Months
Loan
Documentation
Fee
$100
*Example: On financed amount of $7,500, your down payment is $0 with 18 monthly payments of $432.31 each. Interest Rate is 2.99% [APR is 4.69%].
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 660. Minimum amount financed $1,000; 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 2/1/2025 and 4/30/2025. The advertised promotion includes an Origination Fee which has been added to the Amount Financed in the amount of $100.00. Offer subject to change without notice.
2.99% for 24 Months [4.92% APR*]
Minimum
Purchase
Requirement
$1,500
Interest Rate
2.99%
Term
24 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $7,500, your down payment is $0 with 24 monthly payments of $328.75 each. Interest Rate is 2.99% [APR is 4.92%].
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 2/1/2025 and 4/30/2025. 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 24 Months [5.91% APR*]
Minimum
Purchase
Requirement
$1,500
Interest Rate
3.99%
Term
24 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $7,500, your down payment is $0 with 24 monthly payments of $332.03 each. Interest Rate is 3.99% [APR is 5.91%].
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 2/1/2025 and 4/30/2025. 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 36 Months [5.30% APR*]
Minimum
Purchase
Requirement
$1,500
Interest Rate
3.99%
Term
36 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $7,500, your down payment is $0 with 36 monthly payments of $225.80 each. Interest Rate is 3.99% [APR is 5.30%].
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 2/1/2025 and 4/30/2025. 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 36 Months [5.31% APR*]
Minimum
Purchase
Requirement
$1,500
Interest Rate
4.99%
Term
36 Months
Loan
Documentation
Fee
$150
*Example: On financed amount of $7,500, your down payment is $0 with 36 monthly payments of $225.81 each. Interest Rate is 4.99% [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 2/1/2025 and 4/30/2025. 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*]
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 $176.13 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 2/1/2025 and 4/30/2025. 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
8.99%
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 2/1/2025 and 4/30/2025. 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 [12.91% 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 $356.11 each. Interest Rate is 10.99% [APR is 12.91%].
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 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 2/1/2025 and 4/30/2025. 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 Dealer Direct to provide On The Spot Retail Financing for purchases of all Bad Boy Implements.
Click Here To Apply Now Contact Your Local Bad Boy Dealer For more Info0.00% for 24
Months
with 24 Equal Monthly Principal Payments*
Minimum
Purchase
Requirement
$2,000
Interest Rate
0.00%
Term
24 Months
Loan
Documentation
Fee
$125
* Effective February 10 – April 30, 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.
0.00% for 36
Months
with 36 Equal Monthly Principal Payments*
Minimum
Purchase
Requirement
$2,000
Interest Rate
0.00%
Term
36 Months
Loan
Documentation
Fee
$125
* Effective February 10 – April 30, 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 12
Months
with 12 Equal Monthly Principal & Interest Payments*
Minimum
Purchase
Requirement
$2,000
Interest Rate
1.99%
Term
12 Months
Loan
Documentation
Fee
$125
* Effective February 10 – April 30, 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.
2.99% for 18
Months
with 18 Equal Monthly Principal & Interest Payments*
Minimum
Purchase
Requirement
$2,000
Interest Rate
2.99%
Term
18 Months
Loan
Documentation
Fee
$125
* Effective February 10 – April 30, 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.
2.99% for 24
Months
with 24 Equal Monthly Principal & Interest Payments*
Minimum
Purchase
Requirement
$2,000
Interest Rate
2.99%
Term
24 Months
Loan
Documentation
Fee
$125
* Effective February 10 – April 30, 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 24
Months
with 24 Equal Monthly Principal & Interest Payments*
Minimum
Purchase
Requirement
$2,000
Interest Rate
3.99%
Term
24 Months
Loan
Documentation
Fee
$125
* Effective February 10 – April 30, 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 36
Months
with 36 Equal Monthly Principal & Interest Payments*
Minimum
Purchase
Requirement
$2,000
Interest Rate
3.99%
Term
36 Months
Loan
Documentation
Fee
$125
* Effective February 10 – April 30, 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 36
Months
with 36 Equal Monthly Principal & Interest Payments*
Minimum
Purchase
Requirement
$2,000
Interest Rate
4.99%
Term
36 Months
Loan
Documentation
Fee
$125
* Effective February 10 – April 30, 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 February 10 – April 30, 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.