Exmark Lazer Z S-Series Financing Calculator
landscaping equipment · Est. Market Price $14,500 · More Exmark financing
Updated
In the landscaping equipment category, the Exmark Lazer Z S-Series is positioned as a compact-class option, built around a 26.5hp engine and 1,100 lb operating weight.
At 26.5hp, the Exmark Lazer Z S-Series sits at the lighter-duty end of the horsepower range for landscaping equipment models tracked here (5% of the category's top horsepower figure). By operating weight, it comes in at 7% of the heaviest landscaping equipment model in this dataset.
Priced at $14,500, the Lazer Z S-Series is modeled here as a 60-month $1-buyout capital lease at an estimated 8.5% APR — $313/mo, building to full ownership at term end. For financing at this level, a purchase price at this level is often financeable with minimal or no down payment for established businesses. Across the full 60-month term, total payments come to $18,773 — about $4,273 above the $14,500 cash price, which is the real cost of financing instead of paying up front.
At an estimated $313/month, this ranks #8 of 17 by estimated payment among currently priced landscaping equipment models — 34% below the landscaping equipment average of $472/mo.
Because 100% bonus depreciation is currently in effect (equipment placed in service after January 19, 2025) and this asset qualifies under Section 179's $2,560,000 2026 cap, the full $14,500 cost is a candidate for a first-year deduction rather than a multi-year depreciation schedule -- the actual benefit depends on the buyer's taxable income, so this isn't a substitute for a CPA's sign-off.
Estimated Monthly Payment
Estimated Commercial APR including doc/origination fees. Adjust the slider to personalize the rate for your credit tier.
$312.88/mo
Base APR: 8.5% · 60 months
| Month | Payment | Principal | Interest | Balance |
|---|
Asset Specifications
| Make | Exmark |
| Model | Lazer Z S-Series |
| Category | power-equipment |
| Subcategory | landscaping equipment |
| Horsepower | 26.5 hp |
| Operating Weight | 1,100 lbs |
| Estimated Market Price | $14,500 |
| Deck Width (in) | 60 |
Section 179 Tax Deduction Matrix
Estimates for illustrative purposes only. Consult a certified CPA to determine actual Section 179 depreciation. Source: IRS Publication 946 .
| Estimated Equipment Price | $14,500 |
| 2026 Section 179 Cap | $2,560,000 |
| Eligible Deduction | $14,500 |
| Federal Corporate Tax Rate | 21% |
| Estimated Tax Savings | $3,045 |
| Effective After-Tax Cost | $11,455 |
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Frequently Asked Questions
What is the estimated monthly payment for a financed Exmark Lazer Z S-Series?
An estimated $312.88/month over 60 months at a base APR of 8.5%, including a $750.00 doc/origination fee.
Does the estimated payment change based on credit score?
Yes. The calculator above has 5 credit tiers, each adjusting this machine's 8.5% base APR: Subprime 13.00%, Fair 11.00%, Good 8.50%, Very Good 7.75%, Prime 7.00%. "Good" is the default tier shown; drag the slider to see the exact payment at your tier.
Is the Exmark Lazer Z S-Series eligible for a Section 179 tax deduction?
Yes. Under the 2026 Section 179 cap of $2,560,000, qualifying businesses may be able to deduct the full purchase price in the year it's placed in service, subject to CPA verification.
Does 100% bonus depreciation apply to a financed Exmark Lazer Z S-Series?
Bonus depreciation was restored to 100% for equipment placed in service after January 19, 2025, and it applies more broadly than Section 179 -- it isn't capped by the $2,560,000 Section 179 limit and generally isn't affected by a business's Section 179-eligible income limit. Financing rather than paying cash doesn't disqualify a purchase from this: the full $14,500 placed-in-service cost is typically what counts, not the amount actually paid that year. Confirm applicability with a CPA before filing.
What's the total cost of financing this Exmark Lazer Z S-Series versus paying cash?
Over the full 60-month term, estimated payments total $18,773 -- about $4,273 more than the $14,500 cash price. That difference is the estimated cost of financing (interest plus the $750.00 doc fee) rather than paying up front.
How much would a down payment lower the monthly payment on this Exmark Lazer Z S-Series?
Putting 10% down ($1,450 on this Exmark Lazer Z S-Series) reduces the estimated payment from $313/mo to roughly $283/mo at the same 8.5% estimated APR -- a real reduction, since a down payment lowers the amount actually financed rather than just the sticker price.
What is the typical resale or auction value for a Exmark Lazer Z S-Series?
Estimated 5-year residual value is approximately 38.5% of MSRP.
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