Consumer & Small Business

Transactions of $200 to $15,000

How it Works

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Shop

What would you like to buy? Purchase products from one of our participating merchants, or from a retailer of your choice. Our team will work with them to complete your purchase. If you need help shopping for a certain brand or product, we can help. Just call us at 888-509-1370 or email us info@terracefinance.com

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Apply

Find out your purchasing power instantly! Our easy online application matches you with an appropriate lender and leasing product based on your credit profile and needs. Complete it before you shop to be pre-approved and know your purchasing power, or apply at the point of purchase at a participating merchant.

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Finalize

When you review and accept the financing offer from your lender match, we can finalize the sale for you. You will be prompted to submit an invoice to the lender for the final total of the transaction. Once the lender confirms receipt of the invoice, you can take home your purchase!

Minimum Requirements

  • Valid photo ID
  • At least 18 years old
  • Electronic payment method
  • Valid email address
  • Social Security number (SSN) or Taxpayer ID number (ITIN)
  • Valid phone number

In addition to these requirements, you may be asked for more information in order to be eligible for certain lending products. Don’t worry though, if you can’t provide the information, the platform will match you with a lender that doesn’t need it for the decision.

Available Consumer Financing Products

Asset Lease

With an asset lease, the lender purchases the item from the merchant and rents it back to the consumer with interest for a specified time. At the end of the term, the consumer owns the merchandise. Early buy-out and skip-a-payment options are available depending on the lender.

No Credit Needed Lease

The no credit needed lease is an asset lease capped at $5000 that is not based on credit standing.

What can you finance?

Terrace Finance serves a network of merchants and equipment dealers specializing in the things you need and want. Here are just a few of the types of items we finance. Not sure if we finance what you’re looking for? Need a merchant recommendation?

Call us
888-509-1370
sofa
FURNITURE
tire
TIRES & AUTOMOTIVE
grill
GRILLS
COMPUTERS & ELECTRONICS
diamond ring
JEWELRY
LANDCAPING & MAINTENANCE EQUIPMENT
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SHEDS &
PLAYSETS
HOT TUBS
&
POOLS
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PUPPIES & PET SUPPLY
UTVS & POWER SPORTS
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EXERCISE EQUIPMENT & SPORTING GOODS
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APPLIANCES

An Intro to Our Consumer Application…

Questions?

Call the Terrace team: 888-509-1370
or email us: info@terracefinance.com