Should you finance a swing set? Wherever you go these days, someone is offering you financing to get you to buy something and to stretch out the payment over the next few months. 

Is it a smart move for a swing set?

First and foremost, I am not going to tell you what to do with your money. Also, to be clear, King Swings does offer financing.

Why Finance?

Let’s talk about why someone would purchase a swing set on financing. The obvious reason is that they want a quality set but do not have the funds to buy it outright.

Another reason is to use same-as-cash options to help spread their purchase throughout the year. In this case, they could pay in full if they wanted but, for whatever reason, want to keep their cash handy.

Would we recommend it?

After being in the premium swing set industry for four years, I would recommend not purchasing a swing set on financing if you don’t intend to pay off the set in the first year. The last thing you want to do is have the swing set be a burden on your family, and if things go really bad, have it reposed.

In reality, the interest charged on small loans for things like swing sets is very high. Ultimately, if you take the loan to its full term, you would pay nearly 50% more for the swing set due to the interest. That is taking a $10,000 swing set and paying $15,000 for it.

If you are considering purchasing a swing set and taking the loan to its full term, I would ask you to think long and hard about it first. We at King Swings do not want to have our products be a burden on your life. There are good, less expensive options, and we encourage you to explore those options first.

The Exception

However, financing may be smart if you plan on paying off the swing set in the first year and taking advantage of the same-as-cash options. Here are the details you need to know about the financing King Swings offers:

  • It is provided through Mariner Finance
  • It is available in select states.
  • There is a credit check.
  • There is a one-time 5% fee on the amount financed.
  • They offer a 12-month-same-as-cash option.
  • There is no early pay-off penalty.
  • If you go past the 12 months, the interest rate, depending on your state, is 16.99%.

Where we see this used the most often is a family who pays half of their swing set upfront and then finances the other half. They do this to keep more money in their pockets and to give them the option to pay off the rest a few months later.


King Swings wants to bring the playground home to as many families as possible. However, we will not do that in a way that stresses out your family. We would rather you purchase a swing set that fits within your budget.

If you have any questions about our financing option, please feel free to reach out to our swing set design team.