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With the leaves changing colors, and with temperatures dropping, most people are thinking about football games and Halloween costumes, not so much lawn care. Since grass grows slowly during the fall season, many think that a lawn requires less maintenance, while in fact your lawn is seeking nutrients to prepare for the long winter season. Putting in some work before the cold weather settles in will result in a lush, green lawn come spring! Use these tips as a guide to ensure lawn care success.

In addition to preparing your lawn for winter, it’s just as important to prepare your home. Check out our Fall Home Maintenance Checklist to start prepping for the cold today!

Mow, Mow, Mow Your Lawn

mowing_lawnYou aren’t off the hook for mowing just because it’s getting colder! Keep mowing your lawn until you see that the growth of the grass has slowed. Gradually lowering your mower blade will allow the maximum amount of sun to reach the blades. Water your lawn as necessary to keep it hydrated. Once you’ve reached the last cut of the year, keeping your lawn short (shoot for 1 to 1 – ½ inches) will make autumn raking easier. Raking will also keep parts of your lawn from becoming sun-deprived and reduce brown patches.

Aerate and Mulch

Fall is the perfect time to aerate your lawn, allowing as much sun, oxygen, and moisture as possible to reach the roots. An aerator can’t properly pierce soil that is dry and hard, so waiting for a day that is moist will produce best results. Mulch can protect your lawn’s trees and other plants from winter’s harsh conditions. To avoid bark and stems from rotting, keep the mulch about two inches from the base of trees and plants.

Fertilize for Spring Growth

If you only fertilize your lawn once a year, autumn is the optimal time. Grass leaves continue to grow very slowly, but root-stimulating fertilizer encourages robust root growth, motivating grass to stay strong while dormant over the winter. Make sure you spread fertilizer evenly, as failure to do so will cause your lawn to look uneven. Many lawn experts suggest over-seeding to increase the chances of a full lawn and reducing the risk of bald spots.

Continuing to rake your yard is important during the different stages of fertilization. The key is to remember that sun equals green grass! Make sure your lawn gets a fighting chance to soak up as much sun as possible as the days continue to get shorter.

Manage Weeds

weedingLike the grass, pesky plants like dandelions and crabgrass are also working hard to soak up moisture and nutrients. During this high-absorption period, they’ll be more than willing to soak up your weed killer too. Hitting weeds hard with herbicide now will lessen the chances of them growing back in the spring, and allow more moisture to get to your grass and plants.


Regardless of the size of your lawn care project, Mariner Finance is here for your financing needs! So don’t give up on that new lawnmower, aerator, or some mulching supplies just yet! Call your local branch today to see how much money you may qualify for.  Still on the fence? Click here to see what others had to say about their experience with Mariner.

Blog posts are for informational purposes only.

†We offer personal loans from $1,000 to $25,000, with loans terms from 12 to 60 months. Minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan. Loans between $1,500 and $15,000 may be funded online. Loans greater than $15,000 or less than $1,500 are funded through our branch network. Specific interest rates and fees are determined as permitted under applicable state law and depend upon loan amount, term, and the applicant’s ability to meet our credit criteria, including, but not limited to, credit history, income, debt payment obligations, and other factors such as availability of collateral. Not all rates and loan amounts are available in all states. Additional fees may apply to some loan offers; some state required and/or permitted fees may be treated as prepaid finance charges. Any such charges shall be in addition to the loan amount requested and/or approved and shall be fully disclosed to the applicant on his/her loan agreement. Not all applicants will qualify for the lowest rates or larger loan amounts, which may require a first lien on a motor vehicle not more than ten years old titled in the applicant’s name with valid insurance. Our loan by phone and online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


For any stated annual percentage rate (“APR”), the APR represents the cost of credit as a yearly rate and will be determined based upon an applicant’s credit at the time of application, subject to state law limits. A range of APR’s may be applicable, subject to state law limits and individual underwriting. Not all applicants will qualify for a lower rate. APR’s are generally higher on loans not secured by a vehicle, and the lowest rates typically apply to the most creditworthy borrowers. All terms and conditions of a loan offer, including the APR, will be disclosed during the application process. As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 29.99% and an interest rate of 28.77% which includes a finance charge of $3,640.96. Under these terms, the borrower would make 48 monthly payments of $180.02, for a total of payments of $8,640.96. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.


*The process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process online and accept a loan offer, or are referred to a branch and continue your application there, we will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.



California Residents: Loans made or arranged pursuant to a California Financing Law license.

VA Residents – Mariner Finance of Virginia, LLC, Licensed by the Virginia State Corporation Commission, Consumer Finance Company License No. CFI-114.


Mariner Finance, LLC, NMLS No. 166564 (
8211 Town Center Drive, Nottingham, MD 21236. Telephone Number 877-310-2373.

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