Financing Fun for Everyone!

One application, multiple lenders

No application fees

Amounts of $200-$15,000*

No Credit Needed programs available**

Time payments to your paydays

Affordable payments

*Approval amount subject to credit eligibility

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

Shop any brand at your favorite stores including these:

How it Works


Know what you want and the approximate cost? You’re ready to start the application.

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Terrace Finance will match you with a compatible lender from our lender network. If you haven’t chosen one already, one of our team members will help you locate a merchant as well.

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We’ll help finalize the transaction with the merchant and lender so you can wrap up your item!

All you need to get started is:

Photo ID showing you are at least 18 years old

Steady monthly net income of $1000-$1300+ per month

Valid Social Security number (SSN) or Tax ID number (ITIN)

Valid email address and phone number

Active and stable checking account or electronic payment method with no open bankruptcy

12 months as a W-9 contractor or owner with at least 6 months on your current job.

Need Help?

Contact Terrace Finance


Mon-Sat 9AM-11PM (EST)
Sunday 10AM-8PM (EST

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