Financing
Get the Attachment Now. Pay Over Time.
Two ways to finance your order: personal financing for individuals, and business financing for companies, farms, and contractors buying on business credit.
Personal Financing
- Orders from $35 to $30,000 (including shipping & tax)
- Pay in 4 or monthly installments, based on order size and eligibility
- Rates from 0–36% APR, based on credit
- Checking eligibility won't affect your credit score
- Apply right in checkout: no separate application
How It Works
- Add your attachment(s) to the cart.
- At checkout, choose Shop Pay, then Pay in installments.
- Get an instant decision and pick the plan that works for you.
- Your order ships like normal. You pay Affirm on your schedule.
Business Financing
- For contractors, farms, landscapers, and any registered business
- Financing for orders of $5,000 and up
- New and used equipment
- Lease and finance options to fit your cash flow
- Bundle multiple attachments into one deal
How It Works
- Pick your attachment(s) and note the total. Call us if you want a quote with freight.
- Complete the secure online credit application.
- Western Equipment Finance reviews it and contacts you with terms.
- Sign your documents. The lender pays us, and we ship your order.
Which Option Is Right for You?
The quick comparison
| Personal Financing | Business Financing | |
|---|---|---|
| Best for | Homeowners, hobby farmers, individuals | Companies, farms, contractors |
| Order size | $35 – $30,000 | $5,000 minimum |
| How you apply | At checkout, in seconds | Online credit application |
| Whose credit | Yours personally | Your business (owner info required) |
| How you buy | Check out online like normal | We finalize the order with you and the lender |
| Provider | Shop Pay Installments / Affirm | Western Equipment Finance |
Financing FAQ
Common questions before you apply
Do you offer financing directly?
No. Skid Steer Attachment Shop isn't a lender. Personal financing is provided through Shop Pay Installments (Affirm), and business financing through Western Equipment Finance. They make all credit decisions and set all rates and terms.
My business needs an attachment under $5,000. Can I finance it?
Business financing starts at $5,000. For smaller orders, you can use Shop Pay Installments at checkout, which goes on your personal credit. You can also bundle attachments to reach the business minimum.
Will applying affect my credit?
Checking your eligibility for Shop Pay Installments won't affect your credit score. The business credit application lets the lender pull credit reports as part of its review. See the application for details.
Can I check out online if I'm using business financing?
No. Business financing is finalized with signed documents, and the lender pays us directly. Apply, then call us at (765) 665-6365 and we'll handle the order with you and the lender.
What if my order is over $30,000?
Shop Pay Installments covers orders up to $30,000. Larger business purchases are a good fit for business financing. Call us and we'll help you put the package together.
Does financing cover shipping and tax?
For Shop Pay Installments, yes: the full order total, including shipping and tax, is financed. For business financing, ask us for a quote that includes freight before you apply so the lender has the full amount.
Questions About Financing?
Talk to a real person who knows the attachments. We'll point you to the right option.
Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Rates from 0–36% APR. Options depend on your purchase amount, and a down payment may be required. Business financing is provided by Western Equipment Finance, a division of Western State Bank, and is subject to credit approval. Terms vary. Skid Steer Attachment Shop is not a lender and does not make credit decisions.