Home Depot + Terrace Finance logo
Applications in your personal name.
Applications in the name of a business.

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


Terrace Finance gives you hassle-free access to payment solutions for the things you need.

  • Less than perfect credit OK
  • Spending power up to $15K*
  • No application fee
  • One application, multiple lenders
  • Consumer and commercial options

Shop now. Pay over time!

Applications in your personal name.
Applications in the name of a business.
*Approval and spending limit are subject to credit eligibility and not guaranteed.
You must be at least 18 years old to apply.

Shop your favorite mower brands at Home Depot!

Mowing season is still here! Inventory still available at Home Depot and our other partners from brands like Cub Cadet, Toro, Ryobi and many more! ANY brand is eligible for financing through the Terrace Finance lending platform.

Don’t see the exact item you are looking for? Terrace Finance can arrange a payment plan for any brand or model and help you track down hard-to-find inventory.

Terrace Finance Horizontal logo
Applications in your personal name.
Applications in the name of a business.

Fulfilled through our partnerships with local dealers and national chains.

Our sales team can work with your preferred dealer or match you with a dealer from the Mower Finance Dealer Network of 2000+ dealers.

Terrace Finance Horizontal logo
Applications in your personal name.
Applications in the name of a business.
Terrace Finance Horizontal logo
Applications in your personal name.
Applications in the name of a business.

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 let’s 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)
Business customer? Apply here.

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

CUSTOMERS ARE TALKING

Terrace Finance Horizontal logo
Applications in your personal name.
Applications in the name of a business.

BENEFITS

  • One easy application
  • Multiple lenders
  • No application fees
  • Approval amounts of $200- $15,000*
  • Affordable payments
Business customer? Apply here.

*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.

FOR OUR BUSINESS CUSTOMERS

Programs available for $500-$1M+

Do you own a landscaping snow removal business?
If you are shopping for multiple units and bigger ticket items in your business name, we have programs for you.

  • Instant Decisions Available up to $15K
  • New Businesses Welcome
  • Express Option with No Documents Required
  • Credit Scores of 625 and Up Considered
  • Lease Term Length Options
  • Seasonal Payments Available
  • Tractors and Ag Equipment Eligible

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 but represents a range of lenders/lessors. Approval and spending limit are subject to credit eligibility and not guaranteed. 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)