Terrace Has Evolved the Way You Finance

Our multi-lender platform was designed with customers in mind. By leveraging our large hand-selected lender network, we get more approvals at the best rates the first time you apply. With our easy application, you can take home your purchase from a participating merchant the same day. Need help shopping or locating a merchant? We will help you with that too. 

How it Works


Easy Apply

Just fill out one application. Your application gets routed to the lender that best matches your financial profile. Our team will let you know if we need any additional information. If they are unable to finance you, no need to worry! We will automatically route your application to the 2nd best lender match.  


Understand Your Offer

  Our goal is to make sure you understand your financing options. We do not want you to have any regrets or unpleasant surprises. As members of Terrace, our lending partners have agreed to be open and honest about their terms and conditions so you can understand the offer before you commit. 


Complete the Financing

  Whether you are taking home a purchase or financing a needed product, our process will automatically notify the merchants of your approval. Our goal is to get you what you want without the hassles of having to deal with multiple lenders and several applications. 

We serve a merchant network covering a wide range of products available for financing.



Lawn and Tractor


Electronics / Computers


Sporting Goods / Exercise Equipment


Automotive Products


Home Goods / Furniture / Appliances


Find Participating Retailers Near You


Click on the map to see a list of participating retailers

Our team is here to answer your questions.

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