How to Use Your Mower Finance Approval

All Outdoor Power Equipment is Eligible!

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  • Abandoned Approval handhelds transparent
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  • Abandoned Approval carousel transparent
  • Abandoned Approval chainsaw transparent

Not Sure of Your Application Status or Amount?

  1. Log Back in to the Terrace Finance portal by clicking the Log In button on the topbar of this page or going here.
  2. Use the temporary password sent to you via email from info@terracefinance.com or click “Forgot Password” to set your permanent password.
  3. Click Existing Applications to view your application(s) and status.

    TIP: Keep an eye on your text and email inbox (or junk folder) for communications from Terrace Finance, our parent company which manages the application process.


Call Terrace Finance at 888-509-1370 with any questions.

Fulfillment Instructions

  1. Head over to the dealership if you aren’t already there. No rush! You have 30 days to select your items and finalize.
  2. If you applied outside the store, let the dealership know you are shopping with a Mower Finance approval. Work with a salesperson to select items within your approval amount. If your approval falls short, a down payment may be possible to cover the difference- inquire with the dealership or call us at 888-509-1370.
  3. We will work with the dealership to submit your invoice to the provider you were matched with to generate your contract.
  4. To view your offer, log back in to your existing application here or re-scan the QR code at the dealership. Click Forgot Password and follow the prompts. Click on Existing Applications and look for the View Offer button.
  5. Review the offer and take note of early payoff options. If the terms work for you, then your e-signature finalizes the transaction.

    TIP: Keep an eye on your texts and email inbox (or junk folder) for communications from Terrace Finance or our individual payment solution providers for prompts and instructions.
  1. You can fulfill through a local dealer or a Big Box store.
  2. To fulfill through a dealer:
    • Look for a text communication from Terrace Finance with suggested dealers near you or view our dealer locator map for more options. Don’t see your favorite dealership listed? call us at 888-509-1370 and we’ll try to make it happen.
    • Head over to the dealership of your choice to choose your items. No rush! You have 30 days to select your items and finalize.
    • Alert the dealership that you are shopping with a Mower Finance approval and we’ll facilitate the transaction with them.
  3. To fulfill through Home Depot or Lowes:
    • Do not go directly to the store! Pick your desired item(s) from their website and send our fulfillment team the links via this email: orders@terracefinance.com
  4. We will work with the dealership or big box store to submit your invoice to the provider you were matched with to generate your contract.
  5. To view your offer, log back in to your existing application here. Click Forgot Password and follow the prompts. Click on Existing Applications and look for the View Offer button.
  6. Review the offer and take note of early payoff options. If the terms work for you, then your e-signature is all that is needed to finalize the transaction.

    TIP: Keep an eye on your texts and email inbox (or junk folder) for communications from Terrace Finance or our individual payment solution providers to be aware of tracking or pick-up instructions.

What Can I Get With My Mower Finance Approval?

Mower Finance is MORE than mowers.

If you got approved for less than you were expecting, you can still get something! Consider USED equipment or smaller pieces of equipment such as push mowers, handhelds, and other tools.


If you got approved for MORE than you were expecting, you can bundle additional items into the same agreement. From blades to baggers and other accessories, get everything you need in one go.

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    Chainsaws & Accessories
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    Chippers
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    Backpack Blowers
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    Personal Protection Equipment
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    Handhelds
  • Abandoned Approval pressure washerl solid
    Pressure Washers

$200-$1000

Get a wide variety items you need to to keep up with yard maintenance year round.

$1000-$5000

Step up to a consumer-grade zero-turn or get that pressure washer or other power tool you need.

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    Stump Grinders
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    Riding Mowers
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    Consumer Grade Zero Turn
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    Landscaper Packages
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    Salt Spreaders
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    Ground Blowers
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    Snow Plows
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    Stander Mowers
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    Commercial Zero-Turns

$5000 and Up

You’re entering commercial-grade territory. Larger new and used equipment of all types are eligible. Bundle a variety of equipment under a single agreement!

Frequently Asked Questions

A: Congratulations on your approval! We do our best to find programs that will return the highest approval amounts for our applicants, but sometimes those amounts fall short of expectations. Our providers base their decisions on a variety of criteria including credit score, income, time on the job, and debt. Our providers serving the lower end of the spectrum may not use credit score at all to make their decision, but the upper limit of their approvals is lower.

A: Terrace Finance is the parent company of Mower Finance and provides the application portal and payment provider 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: There is no one rate or term length to quote before an invoice is submitted. We work with multiple payment solution providers that service a range of credit profiles. Terms and costs vary by the provider and program you are matched with during the application process.

Estimates for personal programs can be calculated here.

Estimates for commercial transactions can be calculated here.

Upon invoice submission, you will be presented with payment specifics and, depending on the provider, term length and early purchase options which greatly affect total cost. You are under no obligation to sign the final agreement unless the offer meets your needs.

A: The most common reasons for being declined or assigned a different provider with a smaller approval amount after being approved is misstated income. Please be mindful when completing the application not overstate your income. This will be discovered in the verification process.
Another culprit could be an invalid ID.

A: Click the LOG IN link in the topbar at mowerfinance.com. Enter the email you used when applying. Click Forgot Password and follow the prompts to set a password. Once you are in the portal, click on Existing Applications to see the status or your offer.

In addition, Terrace Finance sends text and email notifications from info@terracefinance.com. Most of our payment providers also send communications via email/text, so be on the lookout.

A: It is very likely that we have a participating mower dealer near you! There are over 4000 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 888-509-1370 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.

A: Mower Finance is MORE than Mowers! All of the following equipment is eligible and then some:

  • Aerators
  • Arborist Supplies
  • Chainsaws
  • Chippers
  • Compact Tractors
  • Edgers
  • Equipment Bundles (multi-brand ok!)
  • Generators
  • Handheld Landscape Equipment
  • Lawn tractors
  • Leaf Blowers
  • Mower Accessories
  • Power Tools
  • Pressure Washers
  • Push Mowers
  • Riding Leaf Blowers
  • Riding Mowers
  • Salt Spreaders
  • Snow Blowers
  • Snow Plows
  • Stand-On Mowers
  • Trailers
  • Trimmers
  • Zero-Turn Mowers

A: While we love mowers and deal in landscape equipment 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 your answers to the following in order to best help you:

  • Will the mower be for business or personal use?
  • 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? Upgrading to larger deck or faster machine may be a consideration.
  • Are you open to the idea of pre-owned equipment? This can be an economical way to great mower.

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

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

If you did not receive an email or text with fulfillment instructions, it is possible there is a piece of missing documentation that is holding up your application. Some of our providers require banking information and other documentation. Please call for assistance from a live Customer Care team member at 888-509-1370 during business hours.

Or go to your account by clicking the LOG IN link in the topbar at mowerfinance.com. Enter the email you used when applying. Click Forgot Password and follow the prompts to set a password. Once you are in the portal, click on Existing Applications to see the status or your offer.

Please Note: Some but not all commercial applications are only processed on weekdays.

A: To finalize your transaction, you will need to log back in to Terrace Finance to get to the agreement or follow the link in the email from your provider. To log back in to Terrace Finance:

  • Log Back in to the Terrace Finance portal by clicking the Log In button on the topbar of this page or going here.
  • Click “Forgot Password” to set your password & follow the 2-step authentication prompts.
  • Click Existing Applications to view your application(s), then View Offer and follow the prompts to signing. Don’t forget to click submit!