Toro Homeowner Customer Financing & Promotions

Synchrony and Sheffield (Prime Credit)

Purchasing Toro products is easy and affordable with special Toro sponsored finance promotions available through your participating independent Toro dealer. Both revolving charge (Toro Credit Card through Synchrony) and installment loan (Sheffield Financial) programs are available. Your dealer may offer either one or both options...just ask them. You may apply online for a quick credit decision or visit your participating Toro dealer today!

Note: Online applications are completed through the Synchrony or Sheffield Financial websites. Synchrony's and Sheffield’s privacy statements and website terms and conditions apply.

Toro Credit Card issued by Synchrony.

Roadrunner Financing (Non-prime)

Instant approvals and easy closings for customers with non-prime credit available through participating independent Toro dealers. Scroll down to Apply*!

*Applies only to Financing Programs offered by Roadrunner Financial, Inc. All applicants to Roadrunner Financial, Inc, are subject to credit approval. Approval, rates, minimum purchase requirements and terms advertised are based upon the minimum credit bureau (FICO®) score indicated and overall creditworthiness. Your FICO® Credit Score, key factors and other credit information are based on data from Experian® and may be different from other credit scores and other credit information provided by different bureaus. Offer applies to a maximum of 2 units per applicant. Other qualifications and restrictions may apply. Minimum amount financed is $1,000. Maximum amount financed is $25,000. UCC filing fee may be charged. Offer not valid for mowers used for commercial purposes. Offer effective on eligible and qualified Toro Mowers purchased from a participating Toro Mower dealer. Offer valid in the U.S. only (excluding AK, HI & D.C.). Other financing offers are available. See your local dealer for details. Financing promotions void where prohibited. Offer subject to change without notice.

Earn a $100 Statement Credit Disclaimers
*In order to qualify for this offer, you must use The Toro Company credit card or The Toro Company Commercial credit card to make qualifying purchases of $1,000 or more between 10/1/2026 and 11/30/2026 to earn a $100 statement credit (net purchases minus any returns or adjustments during the promotional period). For accounts that qualify, a statement credit will be posted to your account within two billing cycles after the promotion ends. Only one $100 statement credit can be earned per account. Statement credit cannot be used to satisfy the required monthly payment on your The Toro Company credit card or The Toro Company Commercial credit card account and may not be redeemed for cash or cash equivalent. Account must remain open, be in good standing and not become delinquent at the time statement credit is applied.