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Hassle-free access to finance solutions for the things you need!

  • Personal Payment Solutions for Amounts of $200-$15,000
  • Business Payment Solutions for Amounts of $500 and up

Applications in your personal name

Applications in the name of a business

OUR PARTNERS

Apply, receive your approval, and we’ll fulfill your transaction for you with the merchant of your choice.
Our team can work with national chains, your preferred merchant, or match you with a merchant from our network of 3000+ stores.

Many Eligible Products!

OUTDOOR POWER


Terrace Finance can help you get equipped and ready to tackle all of your outdoor projects.

OUTDOOR SPACES


Turn your yard into the outdoor oasis you’ve been dreaming of with affordable payment solutions that fit your unique credit profile.

Applications in your personal name

Applications in the name of a business

APPLIANCES & HOME IMPROVEMENT


Need help getting what you need to keep your home running smoothly? Terrace Finance has got you covered! We can help you find a payment plan that includes installation for all of your appliances and mechanical units.

ELECTRONICS & TECH


Got your eye on a home theater set up with all the bells and whistles? Need to upgrade your laptop or mobile phone? Terrace Finance is here to help you find a payment solution.

Applications in your personal name

Applications in the name of a business

JEWELRY


Make that special piece yours with affordable payments that fit your weekly, bi-weekly, or monthly pay periods.

FURNITURE & MATTRESSES


Spending more time at home can add wear and tear to everyday items. Upgrade them with payments that won’t break the bank.

Applications in your personal name

Applications in the name of a business

FITNESS & SPORTING EQUIPMENT


Upgrade your fitness equipment or start a new outdoor hobby! A single application provides access to multiple lenders.

TIRE & AUTOMOTIVE


Tires, rims, and other aftermarket upgrades are eligible for traditional and alternative financing.

Applications in your personal name

Applications in the name of a business

How it Works

mobile app icon

APPLY

Apply on your phone, tablet, or laptop with our simple application.

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GET MATCHED

We route your application through our lender network to find a payment solution for your unique credit profile.* Once approved, you’ll know your purchasing power!

SHOP

Know what you want, but need help finding a retailer?
Terrace Finance has a large network of retail partners carrying many brands for you to choose from.

Already working with a merchant?
No problem. We can work with most retailers even if they are out of our network.

FINALIZE

We’ll assist with the remainder of the transaction so you can start enjoying your items!

*Approval and approval amount are subject to credit eligibility and not guaranteed.

Applications in your personal name

Applications in the name of a business

One Application. Multiple lenders!

Our process is simple. One application provides access to multiple lenders and payment solution programs designed to meet your unique credit profile needs.

Talk to a Customer Care Specialist

888-509-1370

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

Applications in your personal name

Applications in the name of a business

consumer payment solutions

Transactions of $200 to $15,000

  • All Credit Profiles Considered
  • No Credit Needed Options
  • Instant Decisions Available up to $5K
  • Early Payoff Options Available
  • Include Multiple Items or Accessories
  • Term Length Options
  • New & Used Equipment Eligible

*Approval and approval amount are subject to credit eligibility and not guaranteed.

CUSTOMERS ARE TALKING

BUSINESS CUSTOMERS

Transactions of $500 to $1M+

  • Instant Decisions Available up to $15K
  • New Businesses Welcome
  • Credit Scores of 500 and Up
  • Express Option with No Documents Required
  • Lease Term Length Options
  • Seasonal Payment Programs Available
  • Tractors and Ag Equipment Eligible
  • Bundle Multiple Items
  • New & Used Equipment Eligible
Apply using our commercial application today!

*Approval and approval amount are subject to credit eligibility and not guaranteed.

who are we?

Terrace Finance* is here to assist in finding the right payment solutions for real people through one simple application.

Our platform of lenders offers a wide variety of payment solution programs that provide the right fit based on your unique credit profile.

Start your application today and let us help you take home what you need with easy, affordable payments that won’t break the bank.

*Terrace Finance is not a lender. Approval is not guaranteed and is subject to credit approval. You must be at least 18 years old to apply.

contact us

888-509-1370

info@terracefinance.com

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