Invest in a Quality Mattress!
Shopping for a quality bed and paying-over-time can be affordable even if you have less-than-perfect credit. Terrace Finance enables hassle-free access to payment solutions for the things you need through our multi-lender platform.
Need assistance locating the perfect brand or model? WE’ve got you covered with our network of merchant partners.
Choose from premium brands like Serta®, Sealy®, Tempur-Pedic®, Beaytrest®, Wellsville®, GhostMattress®, Stearns & Foster®, and so many more.
Need beds for the whole family? With Terrace Finance you can bundle multiple items such as mattresses, bed frames, and furniture in one easy transaction.
Get Pre-approved. Shop with confidence.
Our Retail Partners
Fulfilled through our partnerships with Pay Later Beds, Lowes, Wayfair, Overstock, Home Depot, Walmart, and Target.
HOW IT WORKS
Apply online. Once approved, you’ll receive your approval amount.
*Must be 18 or older to apply. Approval and approval amount are subject to credit eligibility and not guaranteed.
Gather and submit the product links from your favorite retailers’ sites.
Our Customer Care specialists will work directly with the retailers on your behalf to fulfill your order.
REVIEW AND SIGN
Review and e-sign the terms of your lender agreement.
Get your items delivered or arrange for in-store pickup (where available).
CUSTOMERS ARE TALKING
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 business?
If you are shopping for multiple units and bigger ticket items in your business name, we have programs for you.
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.
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.