Rayco RG13 Financing Calculator
landscaping equipment · Est. Market Price $8,500 · More Rayco financing
Updated
Rayco's RG13 is a compact-class landscaping equipment machine, spec'd with a 13hp engine and 262 lb operating weight.
Compared against every other landscaping equipment page on this site, the Rayco RG13's 13hp puts it at the lighter-duty end of the horsepower range for landscaping equipment models tracked here. By operating weight, it comes in at 2% of the heaviest landscaping equipment model in this dataset.
This $8,500 RG13 runs as a 60-month $1-buyout capital lease in our model: 8.5% estimated APR puts the payment at $190/mo, ending in outright ownership rather than a residual payoff. For financing at this level, lenders typically treat this price band as low-risk, which tends to translate into faster approval turnaround. Across the full 60-month term, total payments come to $11,387 — about $2,887 above the $8,500 cash price, which is the real cost of financing instead of paying up front.
At an estimated $190/month, this ranks #1 of 17 by estimated payment among currently priced landscaping equipment models — 60% below the landscaping equipment average of $472/mo.
On the tax side, this $8,500 purchase is Section 179-eligible under the 2026 cap of $2,560,000, and 100% bonus depreciation -- back in effect for equipment placed in service after January 19, 2025 -- means a qualifying buyer could potentially deduct the entire $8,500 in the year it's placed in service rather than depreciating it over several years, subject to the buyer's own taxable income and CPA sign-off.
Estimated Monthly Payment
Estimated Commercial APR including doc/origination fees. Adjust the slider to personalize the rate for your credit tier.
$189.78/mo
Base APR: 8.5% · 60 months
| Month | Payment | Principal | Interest | Balance |
|---|
Asset Specifications
| Make | Rayco |
| Model | RG13 |
| Category | power-equipment |
| Subcategory | landscaping equipment |
| Horsepower | 13 hp |
| Operating Weight | 262 lbs |
| Estimated Market Price | $8,500 |
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 | $8,500 |
| 2026 Section 179 Cap | $2,560,000 |
| Eligible Deduction | $8,500 |
| Federal Corporate Tax Rate | 21% |
| Estimated Tax Savings | $1,785 |
| Effective After-Tax Cost | $6,715 |
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Frequently Asked Questions
What is the estimated monthly payment for a financed Rayco RG13?
An estimated $189.78/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 Rayco RG13 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 Rayco RG13?
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 $8,500 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 Rayco RG13 versus paying cash?
Over the full 60-month term, estimated payments total $11,387 -- about $2,887 more than the $8,500 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 Rayco RG13?
Putting 10% down ($850 on this Rayco RG13) reduces the estimated payment from $190/mo to roughly $172/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 Rayco RG13?
Resale value data is not yet available for this specific model.
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