Get started today for $1

Apply now.
Get Pre-approved.
Shop with confidence.


Terrace Finance helps customers just like you get hassle-free access to payment solutions for the things they need.

  • Less than perfect credit OK
  • No application fee
  • One application, multiple lenders
  • Early payoff discounts
  • Affordable payments

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

Shop all the best mower brands at Home Depot!

How long have you been wanting to upgrade to a riding mower? The best brands and models may finally be within your reach.
Brands like Cub Cadet, Toro, and John Deere are all eligible for financing through the Terrace Finance lending platform.
Experience the power, reliability, and maneuverability of a new riding mower before the spring rush!

Don’t see the exact item you’re interested in? Terrace Finance can arrange a payment plan for any brand or model!

Cub Cadet zero-turn mower

Cub Cadet Ultima ZT1 42 in. 22 HP Series V-Twin Gas Engine Zero Turn Mower

Fulfilled through our partnership with Home Depot.

Home Depot logo

John Deere S120 42 in. 22 HP V-Twin Gas Hydrostatic Lawn Tractor

Fulfilled through our partnership with Home Depot.

Home Depot logo
Toro Zero-turn mower

TORO 42 in. 22.5 HP TimeCutter Commercial V-Twin Gas Dual Hydrostatic Zero-Turn Mower

Fulfilled through our partnership with Home Depot.

Home Depot logo
John Deere zero-turn mower

John Deere Z355R 48 in. 22 HP Gas Dual Hydrostatic Zero-Turn Riding Mower

Fulfilled through our partnership with Home Depot.

Home Depot logo
Cub Cadet Lawn Tractor

Cub Cadet XT1 Enduro LT 42 in. 547 cc Engine with IntelliPower Front-Engine Riding Lawn Tractor

Fulfilled through our partnership with Home Depot.

Home Depot logo
Ryobi riding mower

Ryobi 38 in. 100 Ah Battery Electric Rear Engine Riding Lawn Mower

Fulfilled through our partnership with Home Depot.

Home Depot logo

Get Pre-approved. Shop with confidence.

HOW IT WORKS

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APPLY

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

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GET MATCHED

Terrace Finance routes your application through its lender network to help find a payment solution for your unique credit profile.* Once approved, you’ll know your purchasing power!

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

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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 have an item picked out?
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!

WHAT YOU NEED* …

  • Credit score of 550 or higher
  • Mostly on-time payment history (a few dings are OK!)
  • On the job for 6 months or more
  • No bankruptcies in the last 6 months
  • Net income of $1300 or more per month
    (Net= after taxes and deductions or what you “take home”)
  • Must be 18 years or older
  • Got those covered?

Grab these and lets get started:

  • Valid photo ID
  • Recent pay stub
  • Bank routing and checking or savings account number
  • Valid email address and phone number
  • Valid Social Security number (SSN) or Taxpayer ID number (ITIN)

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

BENEFITS

  • One easy application
  • Multiple lenders
  • No application fees
  • Approval amounts of $200- $15,000*
  • Affordable payments
  • Early payoff discount
  • Get started today for $1

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

ESTIMATE YOUR PAYMENTS

Use this handy calculator to estimate your payments.*

*The information provided by Terrace Finance calculators is for illustrative purposes only and accuracy is not guaranteed.  The values and figures shown are hypothetical and may not be applicable to your individual situation. This calculator does not have the ability to pre-qualify you for any lease or loan product.  Qualification may require additional information such as credit scores and existing debts which is not gathered in this calculator.  Information such as interest rates and pricing are subject to change at any time without notice.  All information such as interest rates, taxes, add-on services, monthly payments, etc. are estimates and should be used for comparison only.  Terrace Finance does not guarantee any of the information obtained by any calculator.

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)