• All credit profiles considered.
  • Get pre-approved before you shop or while you shop- it’s up to you.
  • Securely upload documentation with a snap from your phone.
  • One application, multiple lenders.
  • No obligations! You will be able to review the finance agreement before finalizing the transaction.

*Credit Inquiries? Although our platform does only a soft credit pull for routing purposes, many of the lenders on our platform do conduct a hard credit pull to confirm your eligibility. You will be asked for formal consent as you fill out the application.

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Monday – Saturday: 9:00 AM – 11:00 PM (EST)
Sunday: 10:00 AM – 8:00 PM (EST)

  1. Start the application when you know the merchandise you are interested in. You will need documentation such as driver’s license, pay stub, and bank routing number handy. By completing the application, you create an account with Terrace Finance that you can access later.
  2. The Terrace Finance lending platform will work to match you with a program that matches your credit profile, needs, and state regulations. The assigned lender will follow up with you directly to make an offer. If you are declined, don’t worry, your application will waterfall to another lender automatically.
  3. Once you review and accept the terms, you can finalize your transaction. Your merchant will be prompted to submit an invoice through the system for the final total of the goods. You both will be notified when the lender has funded the transaction and you can take home the merchandise.

Allowing You the Freedom to Buy