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Skid Steer Attachment Financing
Getting the right attachment for the job shouldn't mean draining your budget or tying up capital upfront. Finance your skid steer attachments with monthly payments that keep cash working in your business rather than locked into a single purchase.
Personal or business. We've got you covered.
Two Ways to Finance Skid Steer Attachments
Every customer's situation is different. Whether you're adding a mini skid steer attachment to an existing fleet or making a major equipment purchase, the right financing solution gets you the equipment you need without waiting on capital tied up elsewhere.
We offer two distinct financing paths depending on whether you're buying as an individual or as a business. Here's how to choose.
Personal Skid Steer Attachment Financing
Powered by Affirm. Split your purchase into biweekly or monthly installments. The 0% APR option applies on qualifying purchases with no interest if paid in full within the promotional period. Checking eligibility has no impact on your credit score.
Rates from 0–36% APR depending on your credit. Subject to eligibility check by Affirm. Not available for B2B transactions. Typically best for purchases under $5,000.
A revolving digital line of credit issued by Synchrony Bank. Get 6 months of no-interest financing on purchases of $149 or more when you check out with PayPal. You must pay the full balance within 6 months to avoid interest charges.
If not paid in full within 6 months, interest is charged retroactively from the purchase date at 30.39% APR. Minimum monthly payments required. Subject to credit approval. Typically best for purchases under $5,000.
A personal loan through LightStream (a division of Truist Bank) is ideal when your purchase exceeds $5,000. Borrow from $5,000 to $100,000 with fixed rates, no fees, and no collateral required. Funds can be deposited as soon as the same day you're approved.
- Requires good-to-excellent credit (min. ~660)
- Rate Beat Program: beats a competitor's rate by 0.10%
- 0.50% rate discount with AutoPay enrollment
- Terms up to 7 years for most loan purposes
Shop Pay and PayPal Credit are great for smaller purchases but approvals are typically capped well under $5,000. For personal purchases over $5,000, LightStream is the right path. If you're a business, use the APPROVE portal below.
- Under $5,000: Shop Pay or PayPal Credit
- $5,000–$100,000 (personal): LightStream
- Business purchase (any size): APPROVE Business Financing
APPROVE Business Financing
Business Skid Steer Attachment Financing
Purpose-built for equipment buyers. One application, multiple competing lender offers, designed to fund larger purchases that personal checkout options can't cover.
APPROVE is a B2B equipment financing platform that submits your single application to a network of top lenders simultaneously. Up to three competing lenders review your profile and submit their best offers so you can compare rates and terms side by side, rather than guessing whether you're getting a good deal.
Business financing through APPROVE is intended for registered businesses. Having your business details, EIN, and 3–6 months of bank statements ready can help speed up the process. Equipment loans, $1 buyout leases, and FMV leases may be available depending on lender offers.
Ready to apply?
Fill out a short form with your business details and get matched with competing lenders. Takes about 60 seconds to start.
Apply for Business Financing →
You'll be taken to our secure APPROVE financing portal at
skidsteerstore.approvepayments.com
Questions? Call or text:
(330) 919-7543
Quick Comparison
Which option is right for you?
Use this as a starting point. Our team is always happy to help you decide.
| Shop Pay | PayPal Credit | LightStream | APPROVE Business | |
|---|---|---|---|---|
| Who it's for | Individuals | Individuals | Individuals | Registered businesses |
| Where to apply | At checkout | At checkout | lightstream.com or Mikayla: (931) 650-6533 | skidsteerstore.approvepayments.com |
| Rate | 0% APR (qualifying) |
0% for 6 months | From 6.49% APR fixed | Competitive, varies by lender |
| Funding range | Usually under $5,000 | Usually under $5,000 | $5,000–$100,000 | Larger purchases supported |
| Repayment terms | Biweekly or monthly | Min. monthly payments | 2–7 years (most purposes) | 24–72 months |
| Collateral required | No | No | No — unsecured | Equipment as collateral |
| Multiple lender offers | No | No | No | Yes — up to 3 offers |
Got Questions?
Skid Steer Attachment Financing FAQ
Common questions from customers before they apply.
Where do I find the Shop Pay and PayPal Credit options?
Both options appear automatically at checkout on skidsteerstore.com. When you proceed to checkout, you'll see Shop Pay Installments (powered by Affirm) and PayPal Credit as payment options. No separate application or account setup is required before you start shopping. You can check eligibility right at checkout.
How does the 0% financing on Shop Pay and PayPal Credit actually work?
Both options offer a promotional 0% period, but there's an important difference. Shop Pay Installments (via Affirm) may offer 0% APR plans where no interest accrues if you make your scheduled payments. PayPal Credit uses deferred interest: no interest is charged if you pay the full balance within 6 months, but if you don't, interest is charged retroactively from the original purchase date at 30.39% APR. With PayPal Credit, making only minimum monthly payments may not be enough to pay off the balance in time. Plan to pay it down fully before the 6-month window closes.
How much can I finance through Shop Pay or PayPal Credit?
These are personal consumer credit products, and in practice most customers are approved for amounts well under $5,000, often significantly less depending on their credit profile. While Shop Pay Installments technically supports orders up to $30,000, actual approval amounts are determined by Affirm on a case-by-case basis. For purchases over roughly $5,000, we recommend LightStream (personal) or APPROVE (business) instead.
What is LightStream and when should I use it?
LightStream is the online lending division of Truist Bank, offering unsecured personal loans from $5,000 to $100,000 with fixed rates, no fees, and no collateral required. It's our recommended personal financing option for purchases over $5,000 — the range where Shop Pay and PayPal Credit typically fall short. Funds can be deposited as soon as the same business day you're approved. LightStream requires good-to-excellent credit (minimum ~660) and will beat any competitor's rate by 0.10% if you come in with a qualifying offer. You also get a 0.50% rate discount by enrolling in AutoPay. To get started, visit lightstream.com or call our contact at LightStream directly: Mikayla at (931) 650-6533.
Will checking my eligibility affect my credit score?
Checking eligibility for Shop Pay Installments through Affirm does not impact your credit score. For PayPal Credit, applying for a new account involves a credit check by Synchrony Bank, which may affect your score. LightStream does not offer a pre-qualification option: submitting an application triggers a hard credit pull, so it's best to apply when you're ready to move forward. For APPROVE business financing, the initial application typically uses a soft inquiry to match you with lenders; hard pulls are completed by individual lenders once you select an offer.
What is APPROVE and how is it different from the personal financing options?
APPROVE is a B2B equipment financing platform. Unlike Shop Pay, PayPal Credit, or LightStream, it's designed specifically for business purchases — larger amounts, longer terms, and multiple lender options. When you submit an application through our APPROVE portal, your information is sent to a network of top equipment finance companies simultaneously. Up to three lenders then compete for your business by submitting their best offers, which you can compare side by side. Terms typically range from 24 to 72 months. This is the right path for most business skid steer, track loader, or mulcher purchases.
What do I need to apply for business financing through APPROVE?
The application takes about 60 seconds to start and asks for basic business details: your business name, EIN, contact info, and the equipment you're looking to finance. Having 3–6 months of bank statements ready can help speed up the lender review. Most lenders want to see that your business is registered (LLC, S-Corp, or C-Corp) and has some operating history, though options may exist for newer businesses depending on credit and equipment type. Call us at (330) 919-7543 if you have questions before applying.
Does skid steer financing help with cash flow?
Without the right financing structure, a significant investment in attachments and equipment puts pressure on cash flow before you start generating revenue from it. Skid steer financing lets you pay over time, keeping capital available to run and expand your operation rather than locking it into a single purchase. Long-term terms let the equipment pay for itself as you use it.
How quickly can I get approved and start using my attachments?
Fast approvals keep things moving. Most customers complete the online application start to finish in about 60 seconds and receive a decision shortly after. For personal financing through LightStream, funds can arrive the same business day. Your equipment, once approved, can ship within 48 hours, so you can start using your attachments today rather than waiting weeks to get to work.
Can financing be tailored to fit my budget and credit history?
Yes. The APPROVE platform submits your application to multiple competing lenders, so the financing offers you receive reflect your specific credit history and situation rather than a single lender's standard terms. Personal options through Shop Pay and LightStream are also designed to fit your budget across a range of credit profiles. Our team can help you identify the most efficient path before you apply.
Can I deduct my attachment purchase under Section 179?
It may qualify. Section 179 of the IRS tax code lets businesses deduct the full purchase price of qualifying equipment in the tax year it's placed in service, rather than depreciating the cost across multiple years. Under this provision, you can expense the purchase price of qualifying equipment in the same year you buy and start using it. Consult a tax professional to confirm whether your specific attachments and equipment qualify for the current tax year.
Is financing available for heavy-duty landscape attachments?
Yes. Financing covers the full range of attachments and equipment we carry, including heavy-duty mulchers, stump grinders, trenchers, and other high-quality implements used for landscape and land clearing work. These are significant investments, and our versatile financing options are built for how professional operators work, whether they're adding one efficient attachment or expanding a full fleet.
Questions? We're here.
Mon–Sat, 8am–5pm. Call, text, or email and we'll help you figure out which financing path makes sense for your purchase.
Shop Pay Installments is powered by Affirm. Rates from 0–36% APR. Payment options are subject to an eligibility check and are provided by Affirm's lending partners (affirm.com/lenders). Options depend on purchase amount and a down payment may be required. Not available for B2B/business-to-business transactions. See affirm.com/licenses for state notices.
PayPal Credit is issued by Synchrony Bank. No interest is charged on qualifying purchases of $149 or more if paid in full within 6 months from the date of purchase. If the balance is not paid in full within 6 months, interest will be charged from the purchase date at 30.39% variable APR (as of 3/1/2025; subject to change). Minimum monthly payments required. Subject to credit approval.
LightStream is a division of Truist Bank. Personal loans from $5,000 to $100,000 subject to credit approval. Rates shown include 0.50% AutoPay discount. Not all applicants will qualify.
Business financing is facilitated through APPROVE (approvepayments.com), an independent B2B equipment financing platform. Skid Steer Store is not a lender. All financing is subject to lender approval and individual credit qualification. Terms, rates, and down payment requirements vary by lender, credit profile, business history, and equipment type. Consult a tax professional regarding Section 179 or bonus depreciation eligibility.
Free shipping on orders over $5,000 within the continental United States.
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