mow now – pay later!

ways to pay over time for all credits

Personal Amounts of $200-$50K
Business Amounts of $500 and up

One Stop for Landscape Equipment Financing & Leasing

We love helping people find a great lawn mower and a way to pay. Mower Finance powered by Terrace Finance represents a network of payment solution providers serving the full spectrum of credit profiles and dollar amounts through a SINGLE APPLICATION. A variety of financial products including installment loans, finance and lease agreements, and lease-to-own options are available. Our program lineup is curated to handle the business and personal landscape equipment finance needs for the most people with unmatched range and a hassle-free process.

Through the Mower Finance network of dealers, you can find any brand or model of zero-turn mower or other landscape maintenance equipment you need. Let’s go!

All Credit Profiles
Considered

Consumer
& Commercial

Any Make
or Model

Any
Store

New & Used
Equipment

PERSONAL APPLY

Applications in your personal name

BUSINESS APPLY

Applications in the name of a business

PERSONAL PROGRAMS

$50-$75K

Programs for Homeowners & Side-Hustlers

All credit scores considered
No Credit Needed options
Early payoff discounts
Bundle multiple items into one agreement
Same-day and instant decisions
Flexible Payback options

COMMERCIAL PROGRAMS

$500 and up

Programs for Landscapers & Other Businesses

New businesses welcome
Instant decisions available up to $15K
All credit scores considered
Seasonal payment programs available
Tractors and ag equipment eligible
Bundle multiple items into one agreement

HOW IT WORKS

APPLY

Apply online through our simple application powered by Terrace Finance. Reach out to our live customer care team any time during the process if you have questions or need help:
Call: 888-464-6256
Text: 877-202-4165

GET MATCHED

We route your application through the Terrace Finance provider network to find a payment solution for your unique credit profile.* Once approved you’ll know your purchasing power!

Commercial customers may be contacted to better understand their business goals.

SHOP

You will receive instructions on how to take your approval to a member of the Mower Finance Dealer Network, order from a national chain through us, or use an out-of-network dealer.

You have 30 days to use your approval, so you can take your time choosing the right model!

FINALIZE

Review and e-sign the documents, and we’ll finalize the transaction with the merchant so you can start mowing!

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

PERSONAL APPLY

Applications in your personal name

BUSINESS APPLY

Applications in the name of a business

THE MOWER FINANCE DEALER NETWORK

We work with over 5000 local dealers nationwide as well as all Home Depot and Lowes locations.
Have a favorite equipment dealer? We’ll work with them to get your deal done!

Enter Your Zipcode to Find Dealers Near You

PERSONAL APPLY

Applications in your personal name

BUSINESS APPLY

Applications in the name of a business

ANY BRAND — ANY MODEL

Through the Mower Finance network of dealers, you can find any brand or model you are looking for. All brands and types of outdoor power and landscaping equipment are eligible — these are just a few! Accessories and multiple items may be bundled into a single transaction.

Ferris Z3X
Cub Cadet Ultima ZT1 Electric
42-in 56-volt MAX 60 Ah Litium-Ion
Electric Drive Zero-Turn Mower
Dixie Chopper Black Hawk 54″ 24HP
Kawasaki FS 72cc Engine
Zero Turn Mower
Bad Boy Outlaw Renegade 61″ 24.7 HP
Perkins Diesel 1.1L 3-Cylinder
Zero-Turn Mower
Scag Turf Tiger II 72″ 40HP Briggs
& Stratton Vanguard Big Block engine
Zero Turn Mower
Cub Cadet Ultima ZTX4 48-in 23HP
V-Twin Kohler 7000 Pro Series Engine
Zero Turn Mower
Toro Titan Max 60-in 26HP Commercial
V-Twin Gas Hydrostatic
Zero Turn Mower
Husquvarna 54-in 23HP
Kawasaki Gas Hydrostatic Engine
Zero Turn Mower
Cub Cadet XT1 Enduro Electric Drive
LT 42 in. 56-Volt MAX 60 Ah Battery
Lithium-Ion Riding Lawn Tractor
Kubota T2080 20HP 44-in
20HP Gas Engine
Riding Lawn Tractor
Husquvarna YTH18542
18.5-HP Hydrostatic
42-in Riding Lawn Mower
Craftsman T2200 Turn Tight
19.5 HP Hydrostatic 42-in
Riding Lawn Tractor

FREQUENTLY ASKED QUESTIONS

A: Terrace Finance is the parent company of Mower Finance and provides the application portal and lender/lessor network portion of our service. Mower Finance is the equipment dealer network portion of our service. Note the “powered by Terrace Finance” under the Mower Finance logo. You are in the right place!

A: When submitting an application, the following information will be required:

Personal Information (name, address, phone number, SSN, etc.)
Employment Information (status of employment and employer name)
Income
Additional details, such as proof of income, monthly housing cost (ie rent or mortgage), may be required depending on the lender/lessor program you are matched with.

A: Our lenders/lessors offer programs that cover consumers across the credit spectrum from perfect credit to no credit. Qualifications vary by the lender/lessor but in addition to credit score, most providers take a look at payment history, debt-to-income ratio, income, and employment. We pride ourselves on providing a pathway to ownership for people with less than perfect credit, however approval and approval amount are not guaranteed.

A: Short answer: maybe…Terrace Finance conducts what is called a “soft credit pull” to take a glance at your credit score and route your application to a lender that is within range. A soft credit pull does not affect your credit score.

Once you are routed to a lender/lessor, they may need to conduct a “hard credit pull” to confirm eligibility. This is a necessary step for many lenders/lessors, especially when the requested dollar amounts are higher.

If you are routed to a No Credit Needed provider based on our soft inquiry, then no hard credit pull will occur.

Review our credit pull policy here:

More information on soft & hard credit inquiries and how they affect your score can be found on the FICO site: https://www.myfico.com/credit-education/credit-reports/credit-checks-and-inquiries.

A: We work with multiple consumer lenders/lessors that service a range of credit profiles. Terms vary by the lender/lessor and loan or lease program you are matched with during the application process. With multiple lenders/lessors available, it is not possible for us to know before you apply, which program you will be a candidate for or provide an accurate quote. Estimates for personal and commercial can be found by clicking the SEE PROGRAMS buttons in our programs section.

Upon approval you will be given payment specifics and, depending on the lender/lessor, term length options which affect the payment and total cost. You are under no obligation to sign the final agreement unless the offer meets your needs.

Commercial customers may call us to speak with a Commercial Team member about being given a free proposal before beginning the application.

A: While we love landscape equipment and deal in mowers all day long, the best place to find information on specific makes and models is to speak to a salesperson at a dealership. Before you go, a good sales person will want to know the following in order to best help you:

Will the mower be used for business or personal?
How large is your property or how many lawns do you estimate you will mow per week?
What is your budget (that’s why we encourage you to apply before shopping)
What are the shortcomings of your current machine if you have one.
Are you looking to increase efficiency for your landscaping business? Upgrading to larger deck or faster machine may be a consideration.
Are you open to the idea of pre-owned mowers and equipment?

A: Apply online through the apply link on this page or on our site. The Terrace Finance platform will work to match you with a compatible lender/lessor and return a finance offer to you*.

Once approved, you will know how much you have to shop with. Look for an email from our Customer Care team (info@terracefinance.com) with instructions on how take your approval to a member of the Mower Finance Dealer Network, order from a national chain through us, or use an out-of-network dealer.

You have 30 days to shop around to different dealers and select the perfect model for you.

If any point you have any questions or concerns, Customer Care is here for you.
Call: 888-464-6256
Text: 877-202-4165

When your product choice has been made, a Customer Care team member will help you fulfill your order with the merchant. When your contract with the lender/lessor is signed, your items will be released to you or ordered and scheduled for delivery or pick up (if available).

Pay over time through the lender/lessor.

*Approval and approval amount are subject to credit eligibility and not guaranteed. Must be 18 or older to apply

A: Go ahead and reset your password by clicking the Forgot Password? link under the window and following the prompts.

A: We are here for you! A live Customer Care team member will be happy to assist you over the phone at 888-464-6256 or via text at 877-202-4165 during business hours.

If you need to take a break, don’t worry. Your progress will be saved. You can log back in to continue. The login button can be found in the upper right corner of our website or you can follow the link in the welcome email you received (from info@terracefinance.com).

A: Be sure to check your junk email folder for crucial messages from info@terracefinance.com.

Commercial applications are only processed on weekdays between 9am & 5pm EST. Consumer applications are handled on weekdays and weekends for extended hours.

If you did not receive an email, it is possible there is a piece of missing information that is holding up your application. Please call for assistance from a live Customer Care team member at 888-509-1370 during business hours.

They’ll let you know your application status and what the next steps are.

A: It is very likely that we have a participating mower dealer near you! There are over 2200 landscape equipment dealers in the Mower Finance Dealer Network. Click on FIND DEALERS NEAR ME here and type your zip code into the search window. We can also work with your favorite dealer even if they are not listed, just give us a call at 888-464-6256 to arrange.

We also work with Home Depot and Lowes. Just collect your product links and we will take care of the transaction for you and arrange for pick up or delivery.

CUSTOMER FEEDBACK

       EXCELLENT  
   Based on 742 reviews 
    
 
 
 
   
 
 
      Posted on Google  
   
   Valeria Lopez 
 1 days ago
 
 
 Trustindex verifies that the original source of the review is Google. The worst customer service I've ever had.
  
 
     Posted on Google  
   
   Luna Mack 
 14 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Easy set up great customer service highly recommend thank you
  
 
     Posted on Google  
   
   Thomas Bishop 
 23 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Who are you
  
 
     Posted on Google  
   
   PATRICA CUPP 
 24 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Worst experience ever
  
 
     Posted on Google  
   
   Isaac Smith 
 24 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +0
They got my needs handled fast
  
 
     Posted on Google  
   
   David Kirk 
 34 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Easy to work with and fast response
  
 
     Posted on Google  
   
   Robert Blowers 
 34 days ago
 
 
 Trustindex verifies that the original source of the review is Google. It was easy and fast to get approved wonderful company
  
 
     Posted on Google  
   
   Fred Shaub 
 34 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Fast response an great company to get all your finance needs taken care of
  
 
     Posted on Google  
   
   Larry Kennebrew 
 41 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Great customer service!!!!
  
 
     Posted on Google  
   
   James Ward 
 43 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +2
I can’t say anything but good things about Terrace Financing they gave me the opportunity to buy the mower I needed and wanted when everyone else turned away thanks for everything
  
 
 
  
 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

can i get approved for a mower if i have bad credit?

The answer is YES! But we dislike the terms “bad credit” or “challenged credit” or “subprime credit”. Can we just call it “less-than-perfect credit”? While we can’t approve everyone, it is our mission to help more people get the lawn mower they need through our hassle-free process. We’ve curated our payment solution provider network to provide options for a wide range of credits: good credit, average credit, challenged credit, as well as those with no credit history.

How do we get more people approved?

By having access to more payment solution providers at all credit levels, we can route your application with greater confidence.
Our providers do not base decisions solely on credit score. They look at factors like income, debt-to-income ratio, the nature of existing debt, payment history and more.

mow now – pay later!

ways to pay over time for all credits

One Stop for Landscape Equipment Financing & Leasing

All Credit Profiles
Considered

Consumer
& Commercial

Any Make
or Model

Any
Store

New & Used
Equipment

PERSONAL PROGRAMS

$50-$75K

COMMERCIAL PROGRAMS

$500 and up