Apply now.

Get pre-approved.

Shop with confidence.


Terrace Finance provides hassle-free access to payment solutions for the snow removal equipment you need.

  • Less than perfect credit OK
  • No application fee
  • One application, multiple lenders
  • Consumer and commercial options
  • Shop any brand at national and local retailers
  • New and used equipment eligible

Shop now. Pay over time!

Amounts up to $15K

Amounts of $500 and up in the name of a business
Terrace Finance- linear logo-white

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

Shop any brand at local dealers and national retailers!

In the market for a new or used snow plow, salt spreader, brine sprayer, snow blower, or other outdoor power equipment? We can help you locate and get financed for the equipment you need from a dealer near you. All the best brands including Fisher, Western, Boss, Cub Cadet, Meyer, Ariens, Toro, Boss, SnowEx, and more are all eligible for financing through the Terrace Finance lending platform. Shop early to avoid inventory shortages this snow season!

Don’t see the exact item you’re interested in? Terrace Finance can arrange a payment plan for any brand or model from just about any retailer, just ask our customer care team!

Get pre-approved. Shop with confidence.

Amounts up to $15K
Amounts of $500 & up in the name of a business

Fulfilled through local dealers and national chains near you!

Our sales team can work with your preferred dealer or match you with a dealer from our network of 2000+ equipment dealers nationwide.

Shop these stores and many more.

FIND A DEALER NEAR YOU

Don’t see your favorite snow equipment dealer on the map?
Call us at 888-509-1370.

We can work with most dealers including Home Depot & Lowes.

Amounts up to $15K
Amounts of $500 & up in the name of a business

Amounts up to $15K
Amounts of $500 & up in the name of a business

HOW IT WORKS

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APPLY

Apply on your phone, tablet, or laptop with one simple application.

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GET MATCHED

Terrace Finance routes your application through its lender network to help find a payment solution for your unique credit profile.* Once approved, you’ll know your purchasing power!

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

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SHOP

Know what you want, but need help finding a retailer?
Terrace Finance has a large network of retail partners carrying many brands for you to choose from.

Already have an item picked out?
No problem. We can work with most retailers even if they are out of our network.

FINALIZE

We’ll assist with the remainder of the transaction so you can start enjoying your items!

PERSONAL APPLICATION 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
  • 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)

*Approval and approval amount are subject to credit eligibility and not guaranteed. Not available in Wisconsin, Minnesota, New Jersey, or Vermont.

CUSTOMERS ARE TALKING

Amounts up to $15K
Amounts of $500 & up in the name of a business

BENEFITS

  • 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

*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. Not available in Wisconsin, Minnesota, New Jersey, or Vermont.

FOR OUR BUSINESS CUSTOMERS

Programs available for $500-$1M+

Do you own a landscaping or snow removal business?
If you are shopping for bigger ticket items or multiple units and 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

WHO ARE WE?

Terrace Finance* is here to assist in finding the right payment solutions for real people through one simple application.

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.

Amounts up to 15K
Amounts of $500 & up in the name of a business

*Terrace Finance is not a lender. Approval is not guaranteed and is subject to credit approval. You must be at least 18 years or older to apply.

CONTACT US

888-509-1370

info@terracefinance.com

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