Get started today for $1!

Terrace Finance can help you find a payment plan for a new riding mower!

  • Less than perfect credit OK
  • No application fee
  • One application, multiple lenders
  • Consumer and commercial options

Shop now. Pay over time!

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

Shop all the best mower brands at Home Depot!

Ready to experience the power, reliability, and maneuverability of a new riding mower? Brands like Cub Cadet, Toro, John Deere and more are all 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.

Fulfilled through our partnership
with Home Depot
and 1700+ local dealers

Get Pre-approved. Shop with confidence.

Business customer? Apply here.

Shop local stores and national chains near you!

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

Shop these stores and many more.

Business customer? Apply here.

Business customer? Apply here.


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

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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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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.


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


  • 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)
Business customer? Apply here.

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


Business customer? Apply here.


  • One easy application
  • Multiple lenders
  • No application fees
  • Approval amounts of $200- $15,000*
  • Affordable payments
  • Get started today for $1
Business customer? Apply here.

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


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.


Programs available for $500-$1M+

Do you own a landscaping 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


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.

Business customer? 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.



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