Equipment financing
0% for 12 months. Every department.
Lifts, tire changers, forklifts, zero-turns, UTVs, e-bikes, pool heat pumps. Any order of $1,000 or more, sale price or bundle price, on approved credit. Decision in about one business day. Longer plans at our standard APR.
0%APR for 12 months
$1,000+Minimum order
1 dayTypical decision
24–36 moStandard APR plans
Everyday financing offer
0% APR for 12 months on approved credit
No deferred interest, no retroactive interest, no catch. Twelve equal payments and you pay exactly the everyday low price. Checking whether you qualify is a soft inquiry that does not touch your credit score.
See if you qualify Two-minute pre-qualification. No obligation, no hard pull until you accept an offer.
Payment estimator
What's the monthly?
Enter the cart total and pick a plan. 12 months is the 0% promo. 24 and 36 months run at our standard APR, shown by credit band. Figures update as you type; no fees, no balloon.
Estimated monthly payment 0% promo
$—/ month
Amount financed—
Term × rate—
Total interest—
Total repaid—
The 0% plan starts at a $1,000 cart total. Smaller totals are shown for reference only.
Estimate only. Final approval, rate and plan are set by the lender after review and depend on your credit profile. Sales tax, if applicable, is added to the amount financed. Freight is free and never financed.
What qualifiesThe short list
Any cart total of $1,000 or more, one item or a whole shop package, any department
Weekly ad prices, Deal of the day, combo deals and volume pricing all qualify
Individuals 18 or over with a US address in the 48 contiguous states
Auto shops, tire stores, landscapers, warehouses and dealers applying under the business name
Fair to excellent credit for the 0% plan; established businesses may qualify on business credit alone
Purchase orders on approved terms from established businesses and government entities
What does notSo there are no surprises
Cart totals under $1,000 (parts, small accessories, a single scooter tire)
Shipping addresses in Alaska, Hawaii, US territories or outside the United States
Express Freight ($480) and warranty extension fees, which are paid separately at checkout
Orders already placed and paid in full; financing is chosen at checkout or by phone before payment
Applicants under 18 or without a verifiable US address
Stacking the 0% plan with the NEWCOMER5 coupon; pick one, we apply whichever saves you more
How it works
Apply to delivered in four steps
1. Apply Two-minute form below or a phone call. We need what you want to buy, a rough total and your contact details.
2. Decision Soft-pull pre-approval from our lending partner, usually within one business day. We call or email with the plan you qualify for.
3. Sign Accept the terms and e-sign. The lender pays us directly, so nothing comes out of your pocket at checkout.
4. Ship free Order enters processing and ships free from the nearest of 6 warehouses. First payment is typically due 30 days after delivery.
Terms at a glance
The fine print, short version
0% plan12 equal monthly payments, 0% APR, on approved credit. No deferred or retroactive interest. Late payments are subject to the lender's standard fees.
Standard plans24 or 36 months at a fixed APR from 7.9% to 15.9% depending on credit. Rate is locked at signing and never changes.
Down paymentZero down for most approvals. Building-credit approvals may be asked for 10% to 20% down, which lowers the monthly payment.
Early payoffNo prepayment penalty on any plan. Pay it off early and owe nothing beyond the balance.
Credit checkPre-qualification is a soft inquiry. A hard inquiry is made only when you accept an offer and sign.
Warranty and returnsYou take title on delivery. The 1-year warranty and 15-day returns apply as on a cash order. Refunds go to the lender, who closes or adjusts the plan.
See if you qualify
Start your application
This is a pre-qualification request, not a credit application. It tells our finance desk what is in your cart so we can come back with the plan and payment you qualify for. No credit inquiry is made at this stage.
Answer by phone or email, usually within one business day
No obligation, no soft or hard pull until you say go
Shops: have the business name and EIN handy for the follow-up call
Rather talk it through? Call +1 (253) 293-5699, Mon–Fri 9AM–6PM EST, and ask for the finance desk.
Thanks, your request was sent. We reply within one business day.
By submitting you agree to be contacted about your request. Your details go to the lender only when you tell us to proceed.
Everyday low price. Pay monthly.
Add it to cart, choose financing at checkout, or call the finance desk for a shop package quote.