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4 Seasons of Equipment Financing

  • Personal Amounts of $200-$15,000
  • Business Amounts of $500 & Up

Shop all the best brands nationwide!

Looking for a quality zero-turn, snowplow, snowblower, or power tool? Our dealer network has inventory is available!
Great brands like Snowdogg, Stihl, Toro, Ariens, Cub Cadet, Scag, Bobcat, Ex-Mark, and more are all eligible for financing through the Terrace Finance network.

ANY Brand, ANY model! Don’t see the exact item you’re interested in? We work with Home Depot, Lowes, and 2000+ local equipment dealers to find you what you need.

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Applications in your personal name
Applications in the name of a business

The Power of Our Network

Apply with us, get preapproved, and leverage our dealer and manufacturer partnerships to find the outdoor power equipment you need.
We work with 2000+ local dealers as well as national retailers such as Home Depot and Lowes.
Have a favorite dealer? We’ll work with them to get your deal done!

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Applications in your personal name
Applications in the name of a business

One Application. Multiple Lenders.

Terrace Finance serves a full spectrum of credit profiles and dollar amounts through our network of lenders/lessors.
Your application will be automatically routed to the program and lender that are the best match for your credit profile and needs.

  • All Credit Profiles Considered
  • No Credit Needed Options
  • Instant Decisions Available
  • Early Payoff Options Available
  • Include Multiple Items or Accessories
  • Term Length Options
  • New & Used Equipment Eligible
  • Commercial & Personal Options

How it Works

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Apply online through the apply button. Terrace finance* will look for a payment solution for you. Once approved, you’ll be presented with your approval amount and lender/lessor match.

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Gather and submit the product links from your favorite retailers’ sites or let us help you take your approval to a local dealer.

Our Customer Care specialists will work directly with the retailers on your behalf to fulfill your order.



Review and e-sign the terms of your lender agreement.

Get your items delivered or arrange for in-store pickup (where available).

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Applications in your personal name
Applications in the name of a business


Basic Credit Requirements

  • Credit score of 550 or higher**
  • Mostly on-time payment history (a few dings are OK!)
  • On the job for 6 months or more
  • Net income of at least $1300 per month (Net=after taxes and deductions, or what you “take home”)
  • Must be 18 or older

Information Needed to Apply

  • 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.
** No credit needed options are available for amounts under $5000
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Applications in your personal name
Applications in the name of a business

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.

Customers are Talking

For Our Business Customers

Programs available for $500 and Up

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

Contact Us


Customer Care Hours

Monday-Saturday 9am-11pm (EST)
Sunday 10am-8pm (EST)