Consumer Applications

Know what you want to buy and the approximate cost?
You’re ready to start!

Minimum Requirements*

  • Photo ID showing you are over 18
  • Minimum gross monthly income of $1,000
  • Valid Social Security Number (SSN) or Taxpayer ID Number (ITIN)
  • Electronic payment method
  • Valid email address and phone number

*More may be required to be eligible for certain programs.

How it Works

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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.

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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.

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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.

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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.

Not quite ready to apply?

Are you wondering…

  • Why do I have to give so much information?
  • Can you help me find a certain item first?
  • Can someone just walk me through?

Call Us



Monday-Saturday: 9AM-11PM (EST)
Sunday: 10AM-8PM (EST)