Consumer Applications
Know what you want to buy and the approximate cost?
You’re ready to start!
Minimum Requirements*
*More may be required to be eligible for certain programs.
How it Works
Apply
Complete our application to create an account with Terrace Finance and be matched with a lender. To start, have documentation such as driver’s license, pay stub, and bank routing number handy.
Get Matched
Based on your credit profile and needs, a lender match will be presented. Once assigned, the lender will follow up with you directly to make an offer.
Nail it Down
If you haven’t selected a provider, merchant, or product yet, a team member will contact you to make that match as well. Once finalized and the dollar amount is determined you’re ready to start wrapping things up.
Finalize
Your merchant will be prompted to submit an invoice to the lender. When you’ve reviewed lender’s terms, signed the eDocs, and made any required payments, the transaction can be finalized. You and your dealer will be notified when the lender has funded the transaction and you’re good to go.
Will my credit be pulled? Although Terrace Finance conducts only a soft credit pull for pre-qualification purposes, many of the lenders on our platform do conduct a hard credit pull to confirm your eligibility. You will be asked for consent during the application. For more information, view our Terms of Service.