Hassle-free access to finance solutions for the things you need!
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
APPLY
Apply on your phone, tablet, or laptop with our simple application.
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
*Approval and approval amount are subject to credit eligibility and not guaranteed.
CUSTOMERS ARE TALKING
BUSINESS CUSTOMERS
Transactions of $500 to $1M+
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.
Need something for your business?
We can help! Apply here.
*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.