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
*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.
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.
WRAP IT UP
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.
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.