Affirm Mower Purchases

 

Buy the mower you want. Pay over time with Affirm.

Get the right equipment now and split your purchase into predictable monthly payments—no hidden fees, ever. Approval is fast, terms are clear, and you can check your rate in seconds.

Serving Southern Maryland: Waldorf • Charles • Calvert • St. Mary’s • Prince George’s

Call: 301-396-3989 • Visit: 2205 Crain Hwy, Waldorf, MD 20601

How it works (3 easy steps)

  1. Add to cart your mower or request an invoice in-store.

  2. Choose “Affirm” at checkout (online) or ask us to text/email you a secure Affirm link (in-store).

  3. Pick your plan—pay over 3, 6, 12, 24, or 36 months (options vary by purchase).

No late fees. No hidden fees. You’ll always see your total cost up front.

Why customers love Affirm

  • Budget-friendly: Split big purchases into smaller monthly payments.

  • Transparent: You’ll see the total, interest (if any), and monthly payment before you commit.

  • Flexible terms: Short or long plans to fit your cash flow.

  • Fast decision: Real-time approval at checkout.

  • Pay off anytime: No prepayment penalties.

What you can finance

  • Zero-turn mowers: Toro, Gravely, Cub Cadet and Bradley.

  • Lawn & garden equipment: Riding mowers, walk-behinds, trimmers, blowers, chainsaws

  • Attachments & accessories: Baggers, mulch kits, blades, batteries, chargers

Minimum purchase may apply. Taxes, delivery, assembly, and accessories can be included on a single invoice.

Example monthly payments (estimates)

These are sample scenarios—your actual offer may differ based on approval, term, and promotions.

  • $3,999 mower • 12 mo at 0% APR → $333.25/mo (total $3,999)

  • $3,999 mower • 24 mo at 14.99% APR → $193.88/mo (total ~$4,653.10)

  • $5,999 mower • 24 mo at 9.99% APR → $276.80/mo (total ~$6,643.10)

  • $2,499 mower • 12 mo at 0% APR → $208.25/mo (total $2,499)

  • $7,999 mower • 36 mo at 19.99% APR → $297.23/mo (total ~$10,700.31)

Tip: Look for 0% APR promotional terms on select models and seasonal events. Ask our team what’s eligible today.

In-store help

Prefer to finance at the counter? We can build your cart and send a secure Affirm link to your phone or email so you can select terms on your device.

  • Bring your photo ID

  • Know your billing & shipping info

  • Be ready to connect your bank/debit (if required by Affirm)

Returns, exchanges & refunds

If you return a financed item:

  • We’ll process the return per our store policy.

  • Affirm will adjust or cancel your remaining balance accordingly.

  • If you’ve already made payments, those will be refunded by Affirm per their terms after the return is finalized.

Frequently asked questions

Will checking my rate affect my credit score?
Affirm uses a soft credit check when you check eligibility, which won’t impact your credit score. If you proceed with a loan, Affirm may report to credit bureaus.

What APR will I get?
Offers vary by applicant and purchase—some promotions are 0% APR, others range up to 36% APR. You’ll see the exact terms before you agree.

Can I pay off early?
Yes—no prepayment penalties.

Are taxes and delivery included?
We can include MD sales tax, delivery, setup, and accessories on one financed invoice.

Do I need great credit?
Affirm considers multiple factors—not just your score. Many customers are approved; terms vary.

What if my mower needs service?
Service invoices can often be financed with Affirm as well. Ask for a secure link.

Ready to apply?

  • Online: Choose Affirm at checkout

  • In-store / By phone: Ask us to text/email a secure Affirm link for your invoice

Questions? Call 301-396-3989 or stop by 2205 Crain Hwy, Waldorf, MD 20601.

Disclosures

Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Rates range from 0% to 36% APR. No late fees. For more information, visit affirm.com/help and affirm.com/licenses.

  • Eligibility & Approval: Checking your eligibility may involve a soft credit inquiry that won’t affect your credit score. If you proceed with a loan, Affirm may conduct a hard credit inquiry and may report your payment history to credit bureaus.

  • APR & Terms: Available APRs and term lengths (e.g., 3, 6, 12, 24, 36 months) vary based on creditworthiness, merchant promotions, and purchase amount. 0% APR offers are promotional and not available for all purchases, products, or applicants.

  • Down Payments: Some purchases may require a down payment at checkout. Any required down payment will be shown before you agree to the loan.

  • Example Payments: Any monthly payment examples shown are estimates for illustrative purposes only and do not constitute a financing offer. Actual terms will be presented by Affirm at checkout and may differ based on your application and the items in your cart. Total cost of the loan may include interest where applicable.

  • Taxes, Fees & Add-Ons: Sales tax, delivery, setup/assembly, and accessories may be included in your financed total if they’re on the same invoice. Availability may vary by transaction and cart configuration.

  • No Late Fees: Affirm does not charge late fees. However, missing payments may affect your credit and your ability to use Affirm in the future.

  • Prepayment: You can pay off your loan early at any time with no prepayment penalty. Paying early can reduce the total interest paid on interest-bearing plans.

  • Returns & Refunds: Returns and cancellations are subject to Southern Maryland Outdoor Power Equipment’s store policies. If a return is approved and processed, Affirm will adjust or cancel your remaining balance. If you’ve already made payments, refunds are handled by Affirm per their terms after we finalize the return.

  • State Notices: Loans may be made or arranged pursuant to applicable state law. California residents: Loans by Affirm Loan Services, LLC.

  • Who is the Creditor: Southern Maryland Outdoor Power Equipment is not the lender. Loans are made by Affirm’s lending partners. See affirm.com/lenders.

  • Servicing & Support: For questions about an Affirm application, payments, or your account, contact Affirm via the Affirm app or at affirm.com/help. For questions about your order, delivery, or returns, contact Southern Maryland Outdoor Power Equipment at 301-396-3989.

  • Offer Changes: Financing availability, terms, and promotions are subject to change without notice. The most accurate and current terms will always appear in Affirm’s checkout flow before you agree.

Truth in Lending: Before you complete your purchase, Affirm will disclose your exact APR, payment schedule, and total of payments. Please review these terms carefully prior to accepting.