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Let’s get you set up with a way to pay!

  • Personal Amounts of $50-$50K
  • Business Amounts of $500 & Up

Landscape Equipment Financing & Leasing

We’re proud to partner with Lowes, Home Depot, and over 2200 equipment dealers nationwide to provide alternative finance solutions to credit cards.

Through the Terrace Finance network of lenders & lessors, we are able to serve a full spectrum of credit profiles and dollar amounts. Through the Mower Finance network of dealers and our relationships with Lowes & Home Depot, you can find any make or model you are looking for.

All Credit Profiles
& Commercial
Any Make
or Model
New & Used

Personal Programs

Homeowners & side-hustlers, get more done!


  • All credit scores considered
  • No Credit Needed options
  • Early payoff discounts
  • Bundle multiple items into one agreement
  • Same-day and instant decisions
  • Flexible payback options

Commercial Programs

Level-up your landscaping business!

$500 and Up

  • New businesses welcome
  • Instant decisions available up to $15K
  • All credit scores considered
  • Seasonal payment programs available
  • Tractors and ag equipment eligible
  • Bundle multiple items into one agreement
Terrace Finance Horizontal logo
Applications in your personal name
Applications in the name of a business

How it Works

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Apply online through our simple application powered by Terrace Finance. Reach out to our live customer care team any time during the process if you have questions or need help:
Call: 888-509-1370
Text: 877-202-4165

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

Commercial customers may be contacted to better understand their business goals.

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You will receive instructions on how take your approval to a member of the Mower Finance Dealer Network, order from a national chain through us, or use an out-of-network dealer.

You have 30 days to use your approval, so you can take your time choosing the right model!



Review and e-sign the documents, and we’ll finalize the transaction with the merchant lickety-split so you can start mowing!

Shop Lowes and Beyond

We work with Lowes & Home Depot, and the Mower Finance Dealer Network of over 2200 local dealers nationwide.
Have a favorite dealer? We’ll work with them to get your deal done!

Don’t see your favorite dealer?
Let us know and we’ll track them down.

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

Frequently Asked Questions

A: Terrace Finance is the parent company of Mower Finance and provides the application portal and lender/lessor network portion of our service. Mower Finance is the equipment dealer network portion of our service. You’ll see the names together often.

A: When submitting an application, the following information will be required:

  • Personal Information (name, address, phone number, SSN, etc.)
  • Employment Information (status of employment and employer name)
  • Income
  • Additional details, such as proof of income, monthly housing cost (ie rent or mortgage), may be required depending on the lender/lessor program you are matched with.

A: Our lenders/lessors offer programs that cover consumers across the credit spectrum from perfect credit to no credit. Qualifications vary by the lender/lessor but in addition to credit score, most providers take a look at payment history, debt-to-income ratio, income, and employment. We also have We pride ourselves on providing a pathway to ownership for people with less than perfect credit, however approval and approval amount are not guaranteed.

A: Short answer: maybe…Terrace Finance conducts what is called a “soft credit pull” to take a glance at your credit score and route your application to a lender that is within range. A soft credit pull does not affect your credit score.

Once you are routed to a lender/lessor, they may need to conduct a “hard credit pull” to confirm eligibility. This is a necessary step for many lenders/lessors, especially when the requested dollar amounts are higher.

If you are routed to a No Credit Needed provider based on our soft inquiry, then a hard credit pull may not occur.

Review our credit pull policy here: Credit Pull policy

More information on soft & hard credit inquiries and how they affect your score can be found on the FICO site: https://www.myfico.com/credit-education/credit-reports/credit-checks-and-inquiries.

A: We work with multiple consumer lenders/lessors that service a range of credit profiles. Terms vary by the lender/lessor and loan or lease program you are matched with during the application process. With multiple lenders/lessors available, it is not possible for us to know before you apply, which program you will be a candidate for or provide an accurate quote. Estimates can be found by clicking the SEE PROGRAMS buttons in our under Personal Programs or Commercial Programs.

Upon approval you will be given payment specifics and, depending on the lender/lessor, term length options which affect the payment and total cost. You are under no obligation to sign the final agreement unless the offer meets your needs.

Commercial customers may call us to speak with a Commercial Team member about being given a free proposal before beginning the application.

A: While we love mowers and deal in mowers all day long, the best place to find information on specific makes and models is to speak to a salesperson at a dealership. Before you go, a good sales person will want to know the following in order to best help you:

  • Will the mower be used for business or personal?
  • How large is your property or how many lawns do you estimate you will mow per week?
  • What is your budget (that’s why we encourage you to apply before shopping)
  • What are the shortcomings of your current machine if you have one.
  • Are you looking to increase efficiency? Upgrading to larger deck or faster machine may be a consideration.
  • Are you open to the idea of pre-owned equipment?

A: Apply online through the apply link on this page or on our site. The Terrace Finance platform will work to match you with a compatible lender/lessor and return a finance offer to you*.

Once approved, you will know how much you have to shop with. Look for an email from our Customer Care team (info@terracefinance.com) with instructions on how take your approval to a member of the Mower Finance Dealer Network, order from a national chain through us, or use an out-of-network dealer.

You have 30 days to shop around to different dealers and select the perfect model for you.

If any point you have any questions or concerns, Customer Care is here for you.
Call: 888-509-1370
Text: 877-202-4165

When your product choice has been made, a Customer Care team member will help you fulfill your order with the merchant. When your contract with the lender/lessor is signed, your items will be released to you or ordered and scheduled for delivery or pick up (if available).

Pay over time through the lender/lessor.

*Approval and approval amount are subject to credit eligibility and not guaranteed. Must be 18 or older to apply

A: Go ahead and reset your password by clicking the Forgot Password? link under the window and following the prompts.

A: We are here for you! A live Customer Care team member will be happy to assist you over the phone at 888-509-1370 or via text at 877-202-4165 during business hours.

If you need to take a break, don’t worry. Your progress will be saved. You can log back in to continue. The login button can be found in the upper right corner of our website or you can follow the link in the welcome email you received (from info@terracefinance.com).

A: Be sure to check your junk email folder for crucial messages from info@terracefinance.com.

If there are no messages there, it is possible there is a piece of missing information that is holding up your application. Please call for assistance from a live Customer Care team member at 888-509-1370 during business hours.

They’ll let you know your application status and what the next steps are.

A: It is very likely that we have a participating mower dealer near you! There are over 2200 landscape equipment dealers in the Mower Finance Dealer Network. Click on FIND DEALERS NEAR ME here and type your zip code into the search window. We can also work with your favorite dealer even if they are not listed, just give us a call at 888-509-1370

to arrange.

We also work with Home Depot and Lowes. Just collect your product links and we will take care of the transaction for you and arrange for pick up or delivery.

Customer Feedback