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Equipment Financing for Everyone!

One application, multiple lenders

No application fees

New and used equipment eligible

No Credit Needed programs available*

Time payments to your paydays

Affordable payments

*Approval is possible without a FICO® score, but credit history may be checked. Not available in all states.

Shop any brand at your favorite stores including these:

How it Works


Have an idea of the equipment you want and a price range? You’re ready to start the application.

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Terrace Finance will match you with a compatible lender from our waterfall of lenders. One of our team members will help you locate the right equipment from a dealer near you.

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We’ll let you and your dealer know when the transaction has been funded by the lender and you can take home your equipment.

All you need to get started is:

Photo ID showing you are at least 18 years old

Valid Social Security number (SSN) or Tax ID number (ITIN)

Valid email address and phone number

Electronic payment method

Need Help?

Contact Terrace Finance


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

Terrace Finance Corp is not a lender. Our mission is to help merchants and their customers find the payment solutions they need through access to a multi-lender network.