Equipment financing

0% for 12 months. Every department.

Lifts, tire changers, forklifts, zero-turns, UTVs, e-bikes, pool heat pumps. Any order of $1,000 or more, sale price or bundle price, on approved credit. Decision in about one business day. Longer plans at our standard APR.

0%APR for 12 months

$1,000+Minimum order

1 dayTypical decision

24–36 moStandard APR plans

Payment estimator

What's the monthly?

Enter the cart total and pick a plan. 12 months is the 0% promo. 24 and 36 months run at our standard APR, shown by credit band. Figures update as you type; no fees, no balloon.

Cart total (before tax)

Plan

Standard APR (24/36 mo)

What qualifiesThe short list

Any cart total of $1,000 or more, one item or a whole shop package, any department

Weekly ad prices, Deal of the day, combo deals and volume pricing all qualify

Individuals 18 or over with a US address in the 48 contiguous states

Auto shops, tire stores, landscapers, warehouses and dealers applying under the business name

Fair to excellent credit for the 0% plan; established businesses may qualify on business credit alone

Purchase orders on approved terms from established businesses and government entities

What does notSo there are no surprises

Cart totals under $1,000 (parts, small accessories, a single scooter tire)

Shipping addresses in Alaska, Hawaii, US territories or outside the United States

Express Freight ($480) and warranty extension fees, which are paid separately at checkout

Orders already placed and paid in full; financing is chosen at checkout or by phone before payment

Applicants under 18 or without a verifiable US address

Stacking the 0% plan with the NEWCOMER5 coupon; pick one, we apply whichever saves you more

How it works

Apply to delivered in four steps

1. Apply Two-minute form below or a phone call. We need what you want to buy, a rough total and your contact details.

2. Decision Soft-pull pre-approval from our lending partner, usually within one business day. We call or email with the plan you qualify for.

3. Sign Accept the terms and e-sign. The lender pays us directly, so nothing comes out of your pocket at checkout.

4. Ship free Order enters processing and ships free from the nearest of 6 warehouses. First payment is typically due 30 days after delivery.

Terms at a glance

The fine print, short version

0% plan12 equal monthly payments, 0% APR, on approved credit. No deferred or retroactive interest. Late payments are subject to the lender's standard fees.

Standard plans24 or 36 months at a fixed APR from 7.9% to 15.9% depending on credit. Rate is locked at signing and never changes.

Down paymentZero down for most approvals. Building-credit approvals may be asked for 10% to 20% down, which lowers the monthly payment.

Early payoffNo prepayment penalty on any plan. Pay it off early and owe nothing beyond the balance.

Credit checkPre-qualification is a soft inquiry. A hard inquiry is made only when you accept an offer and sign.

Warranty and returnsYou take title on delivery. The 1-year warranty and 15-day returns apply as on a cash order. Refunds go to the lender, who closes or adjusts the plan.

See if you qualify

Start your application

This is a pre-qualification request, not a credit application. It tells our finance desk what is in your cart so we can come back with the plan and payment you qualify for. No credit inquiry is made at this stage.

Answer by phone or email, usually within one business day

No obligation, no soft or hard pull until you say go

Shops: have the business name and EIN handy for the follow-up call

Rather talk it through? Call (XXX) XXX-XXXX, Mon–Fri 9AM–6PM EST, and ask for the finance desk.

Thanks. Your email client should have opened with the request ready to send. If it did not, email contact@ironspanindustrial.com with the same details and we reply within one business day.

By submitting you agree to be contacted about your request. Your details go to the lender only when you tell us to proceed.

Everyday low price. Pay monthly.

Add it to cart, choose financing at checkout, or call the finance desk for a shop package quote.

Shop combo deals Call (XXX) XXX-XXXX Email the finance desk