Furry Friend Financing

Terrace Finance is proud to partner with PuppySpot to provide payment solutions to you!

Program Benefits

  • One application, multiple lenders
  • No application fee
  • Spending power up to $15,000*
  • Flexible payment frequencies based on your paydays
  • No Credit Needed program available**
  • Affordable payments
  • Early payoff options
  • Pet travel and nanny services eligible

*Availability varies by state and is subject to credit approval.

** Approval is possible without a FICO® score, but credit history may be checked. Not available in all states.

How it Works

Pick Your Puppy

PuppySpot will help find the right puppy for you. Search by breed or take the PuppySpot Breed Match Quiz to find the perfect furry friend.

Apply and Get Matched

Complete one simple application and Terrace Finance will route it through their lender network to find a payment solution with affordable payments for you!


Congratulations on your new furry family member!  Don’t forget to share your Wet Nose Moments on social media using #PuppySpot.

Minimum Requirements

  • Photo ID showing you are 18 years or older
  • Social security number or ITIN
  • Valid email address and phone number
  • Steady gross income of $800 or more per month
  • Active and stable checking account


Contact Terrace Finance*


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

*Terrace Finance is not a lender. Our mission is to help our merchants and their customers find the payment solutions they need through access to a multi-lender network.