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
  • No application fee
  • Early payoff options
  • Consumer and commercial options
  • Bundle items from multiple retailers in one transaction.
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Business customer? Apply Here.

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

Our Retail Partners

Bundle It!

Pay over time for the electronics and durable goods you need to work from home in style! Bundle items from multiple retailers into one payment solution.

Fulfilled through our partnerships with Lowes, Home Depot, Best Buy, Walmart, Wayfair, and Overstock.

Get Pre-approved. Shop with confidence.

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Business customer? Apply here.

Terrace Finance Horizontal logo
Business customer? Apply here.

HOW IT WORKS

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APPLY

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.

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GO SHOPPING

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).

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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 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)
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Business customer? Apply here.

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

CUSTOMERS ARE TALKING

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Business customer? Apply here.

WHY CUSTOMERS LOVE US

  • One easy application
  • Multiple lenders
  • No application fees
  • Approval amounts of $200- $15,000*
  • Affordable payments
  • Early payoff discounts
  • Only $1 to start the contract

Terrace Finance Horizontal logo
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 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

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.

CONTACT US

888-509-1370

info@terracefinance.com

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