Consumer Financing
Transactions of $50 to $50,000
Sample Programs & Payments
The Terrace Finance multi-lender platform is changing all the time with new lenders and programs being added and updated. Programs will vary by state, product, dollar amount, and the credit situation of each individual. Below are a few consumer programs from our lineup to give you an idea of what you can expect. Exact quotations and terms will be provided by the lender/lessor who is making you an offer.
General Products Loan
$2,500-$75,000
Better Credit Customers
- Fixed rate APR based on credit tier
- No prepayment penalty
- Term length options
- Bundles of items eligible
Low Payments Lease
$200-$15,000
Average Credit Customers
- $1 due at signing
- Term lengths structured to keep payments low
- Skip-A-Payment option available
- 30 Days Same as Cash option
- No prepayment penalty
- Bundles of items eligible
No Credit Needed Funding
$200-$7,500
Challenged Credit Customers
- No Credit Needed
- Instant decision
- Early payoff options
- Term length options
- Bundles of items eligible
Small Ticket
Lease
$50-$2500
Challenged Credit Customers
- No Credit Needed
- Instant decision
- $0 due at signing
- 90 Days Same as Cash option
- Flexible spending limit
- Bundles of items eligible
We encourage you to read the terms of the lending program you are matched with carefully before accepting any offer.
How it Works

Apply
Apply through a participating retailer or right here to be connected with one.
Reach out to our live customer care team any time during the process if you need help:
Call: 888-509-1370
Text: 877-202-4165

Get Matched
We route your application through the Terrace Finance lender network to find a payment solution for your unique credit profile. If a lender/lessor makes an offer to you, they will specify the maximum amount you can spend.

Shop
If you decide to move forward with the offer, you will receive instructions on how to take your approval to a local merchant or be fulfilled through a national retailer.
You have 30 days to use your approval, so you can take your time choosing the right product!

Finalize
Review and e-sign the contract with the lender/lessor for the final purchase amount.
We’ll make sure everything is finalized between the lender and the retailer, so you can take home your items or have them delivered.
What products are eligible?
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?