Apply. Shop. Pay Later.
Payment Solutions Tailored for You
Consumer | Commercial | Municipal
All Credit Profiles Considered
Huge Range of Dollar Amounts
One Application – Multiple Providers
Consumer, Commercial, Municipal
Many Lending Products Available
Highest Rated Customer Service!
How it Works
A few pieces of info + a few minutes of your time…
For customers applying in their personal name, the Terrace Finance consumer application is your entry point into our multi-provider platform. Our provider waterfall is curated to serve a wide range of people needing a variety of products, so all you have to do is answer a few questions and let us handle the rest.
Top Rated Customer Service
Our Specialty Markets
Terrace Finance powers Mower Finance, our division dedicated to commercial and consumer landscaping and maintenance equipment financing and leasing. Shop the Mower Finance nationwide dealer network for every brand and type of equipment. See the breadth of our offerings on our Mower Finance site.
Loan and lease-to-own programs specialized for the marine industry are available for new and used boats and engines through our specialty marine lenders. Solutions are available for personal, commercial and municipal marine transactions.
We’re animal lovers who are dedicated to helping people pay over time for their beloved pet and all the things that go along with pet ownership. The Terrace Pets network of responsible breeders takes the guesswork out of the process.
Purchases through retailers and pawn shops can be taken home today without a credit card or a layaway plan! Lease-to-own programs that spread payments out over time make it easy. Look for our specialty brand FlexApproved where you shop for jewelry, furniture, general merchandise, and pawn items.
Our team of fitness financing specialists can handle finance and lease agreements for commercial-grade fitness equipment and sporting goods for home as well as commercial use. In fact, they can help you fit out an entire fitness facility right down to the flooring, mirrors, and AV equipment through our free white glove service and our specialized Equipment + Capital program.
Terrace Finance is a 1-stop finance solution for property managers of HOAs, golf, fitness, & wellness clubs. Commercial loan and lease-to-own programs are available for a wide variety of equipment types as well as working capital. Experience our white glove treatment when it’s time to plan your renovation, expansion, or franchise purchase.
How is Terrace Different?
Multiple Providers – Greater Chance of Approval
The Terrace Finance platform brings together a range of payment solution providers offering greater versatility than single-provider platforms. Our providers are curated to cover a diverse collection of product categories while serving a wide range of credit profiles from good credit, to average credit, to bad or no credit. We keep it simple with a single application portal. You sit back while our system works its magic to connect you with a compatible payment solution through our waterfall filtering process.
Unbeatable Customer Service
At Terrace Finance, our expert customer service team is just as important as our technology. Our Google and BBB reviews say it all! Available for extended hours, our team provides live help whenever customers or merchants need assistance. Larger commercial and municipal transactions are assigned an account representative to walk them through from application to funding. We want to earn your business!
We can help you shop.
Interested in a specific item or brand, but not sure where to go? We can leverage our manufacturer and retailer partnerships to get you set up with whatever you need. Terrace Finance has a rapidly growing network of local merchants and national retailers, both brick & mortar and online that you can apply through or take your approval to. However, you aren’t limited to our merchant network. We have a high success rate working with off-network retailers chosen by customers as long as the retailer is willing.