Are you planning to buy or lease a Bobcat machine for your business or property? Whether you’re a contractor, landscaper, or farmer, Bobcat financing could be the smartest way to get the equipment you need without draining your cash reserves. In this guide, we’ll walk you through everything you need to know—financing options, interest rates, leasing vs. buying, and how to qualify for the best deals.
Let’s dig into it!
What Is Bobcat Financing?
Bobcat financing refers to the financial plans and support options available to customers who want to buy or lease Bobcat machinery. This includes skid-steer loaders, excavators, compact tractors, utility vehicles, and more.
Bobcat Company partners with financial institutions to offer flexible solutions that help customers manage large purchases through monthly payments instead of paying all at once.
Why Choose Financing Over Paying Upfront?
Paying upfront might sound ideal, but it’s not always practical—especially if you’re trying to manage cash flow in your business. Financing gives you flexibility. Here’s why many choose financing:
Preserve working capital: Keep cash available for other expenses like payroll, inventory, or emergencies.
Flexible terms: Choose monthly payments that suit your budget and cash flow.
Tax advantages: Some financing options may allow you to deduct interest or depreciation.
Upgrade easily: Leases make it easy to upgrade equipment every few years.
Who Offers Bobcat Financing?
There are three main sources of Bobcat financing:
1. Bobcat Company & Bobcat Financial
Bobcat’s in-house financing division provides tailored solutions including loans and leases. Promotions often include:
0% APR for a limited time
Deferred payments
Instant credit approvals
Seasonal payment plans
2. Dealership Financing
Many local Bobcat dealerships offer financing through third-party lenders or Bobcat Financial. This is often the most convenient option because they help with paperwork and credit checks.
3. Banks & Credit Unions
You can also finance a Bobcat through your own bank or credit union. If you have a strong relationship and good credit, this might yield better rates.
Types of Bobcat Financing Options
Let’s break down the different financing methods you can choose from:
Equipment Loan
A standard loan allows you to make monthly payments over a fixed term (e.g., 36, 48, or 60 months). Once you finish, you own the equipment outright.
Pros:
Full ownership
Build equity
Potential tax write-offs
Cons:
Higher monthly payments than leases
Equipment may depreciate quickly
Equipment Lease
Leasing gives you the equipment for a set time, usually with the option to return, renew, or purchase at the end.
Types of leases:
FMV (Fair Market Value): Lower monthly payments; option to buy later.
$1 Buyout Lease: Slightly higher payments but you own it for $1 at the end.
Pros:
Lower upfront costs
Easy upgrades
Great for short-term projects
Cons:
No ownership during lease
Potential overuse fees
Rent-to-Own
This hybrid option lets you rent the equipment with the ability to apply some rental payments toward a future purchase. Great for short-term jobs that may turn into long-term needs.
Current Bobcat Financing Deals & Offers (2025)
Bobcat Financial frequently runs special offers. As of mid-2025, here are some of the best deals available:
0% financing for 24 months on compact tractors
Deferred payments for 90 days on new skid-steer loaders
Lease specials starting at $379/month
Cash rebates up to $5,000 for select equipment
Note: Promotions vary by location and dealer, so always ask your local dealer for current specials.
How to Qualify for Bobcat Financing
Getting approved depends on a few key factors. Here’s what lenders typically look for:
Personal or Business Credit Score
A good score (650+ for personal, 75+ for business) increases your approval chances and unlocks better rates.
Time in Business
Established businesses with a 2+ year track record are more likely to get favorable terms. Startups may need a co-signer or larger down payment.
Down Payment
Some loans require 10–20% down. Promotions may reduce this to $0 temporarily.
Income & Financials
Be prepared to show tax returns, bank statements, or business financials—especially for loans over $50,000.
Leasing vs. Buying: What’s Right for You?
If you’re torn between leasing and buying, consider these key points:
| Factor | Lease | Buy (Loan) |
|---|---|---|
| Ownership | No (until you buy) | Yes |
| Monthly Cost | Lower | Higher |
| Flexibility | Easy to upgrade | Long-term commitment |
| End of Term Options | Return, renew, or purchase | Equipment is yours |
| Tax Benefits | Lease payments deductible | Depreciation + interest |
| Best For | Short-term use or new tech | Long-term ownership |
Still unsure? Ask your dealer for side-by-side estimates.
How Much Does a Bobcat Cost?
Here are average prices to give you a ballpark:
Skid-Steer Loader: $25,000–$60,000
Mini Excavator: $30,000–$80,000
Compact Tractor: $15,000–$35,000
Telehandler: $70,000–$120,000
Financing helps spread that cost out over 2–6 years, depending on the model and terms.
Tips to Get the Best Bobcat Financing Deal
Want the best bang for your buck? Follow these tips:
Compare offers: Check rates from Bobcat, local banks, and online lenders.
Check your credit: Fix any issues before applying.
Negotiate extras: Ask for free attachments, extended warranties, or payment deferrals.
Read the fine print: Look out for fees, early payoff penalties, and usage limits on leases.
Ask about seasonal promotions: Spring and fall often bring limited-time offers.
Frequently Asked Questions
Can I get Bobcat financing with bad credit?
Yes, but expect higher interest rates or down payments. Some dealers work with subprime lenders or offer co-sign options.
Do I need a business to qualify?
Not necessarily. Many individuals finance Bobcat equipment for personal or farm use. Just expect more paperwork if you’re not a business.
Is insurance required?
Yes. Lenders require equipment insurance to protect their investment. Your dealer can help arrange coverage.
Can I finance used Bobcat equipment?
Absolutely. Many dealers offer certified used machines with financing options—though terms may vary slightly.
Final Thoughts: Is Bobcat Financing Right for You?
If you need reliable equipment but don’t want to tie up cash, Bobcat financing is a smart way to go. With flexible terms, promotional offers, and multiple payment structures, it’s never been easier to get behind the wheel of a Bobcat.
Just be sure to compare your options, understand the terms, and choose what’s right for your budget and business goals.
