READY. SET. MOW!

Let’s get you set up with a way to pay.

Personal Amounts of $50-$50K
Business Amounts of $500 to 2MM+

PERSONAL APPLY

BUSINESS APPLY

One Stop for Landscape Equipment Financing & Leasing

Through the Terrace Finance network of lenders & lessors, we are able to serve a full spectrum of credit profiles and dollar amounts. Through the Mower Finance network of dealers, you can find any brand or model you are looking for.

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-$50K

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 to 2MM+

Landscapers and 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 lender 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 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 lickety-split 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

ANY BRAND — ANY MODEL

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.

MOWERS Zero Turn carousel ZT Mowers MF400px

MOWERS Zero Turn carousel Ferris Stand on MF400px — Ferris Z3X

Cub Cadet electric zero turn mower — Cub Cadet Ultima ZT1 Electric
42-in 56-volt MAX 60 Ah Litium-Ion
Electric Drive Zero-Turn Mower

MOWERS Zero Turn carousel Dixie Chopper Blackhawk MF400px — Dixie Chopper Black Hawk 54″ 24HP
Kawasaki FS 72cc Engine
Zero Turn Mower

John Deere Zero Turn mower — John Deere Z355E ZTrak 22-HP V-Twin
Dual Hydrostatic 48-in
Zero Turn Mower

Bad Boy Zero turn mower — Bad Boy Outlaw Renegade 61″ 24.7 HP
Perkins Diesel 1.1L 3-Cylinder
Zero-Turn Mower

Scag zero turn Mower — Scag Turf Tiger II 72″ 40HP Briggs
& Stratton Vanguard Big Block engine
Zero Turn Mower

Cub Cadet zero turn mower — Cub Cadet Ultima ZTX4 48-in 23HP
V-Twin Kohler 7000 Pro Series Engine
Zero Turn Mower

Toro zero-turn mower — Toro Titan Max 60-in 26HP Commercial
V-Twin Gas Hydrostatic
Zero Turn Mower

Husquvarna zero-turn mower — Husquvarna 54-in 23HP
Kawasaki Gas Hydrostatic Engine
Zero Turn Mower

MOWERS Zero Turn carousel Riding Mowers MF400px

Cub Cadet Electric Lawn tractor — Cub Cadet XT1 Enduro Electric Drive
LT 42 in. 56-Volt MAX 60 Ah Battery
Lithium-Ion Riding Lawn Tractor

Kubota Lawn Tractor — Kubota T2080 20HP 44-in
20HP Gas Engine
Riding Lawn Tractor

John Deere lawn tractor — John Deere S100 42-in
17.5 HP Gas Hydrostatic
Lawn Tractor

Husquvarna lawn tractor — Husquvarna YTH18542
18.5-HP Hydrostatic
42-in Riding Lawn Mower

Craftsman lawn tractor — Craftsman T2200 Turn Tight
19.5 HP Hydrostatic 42-in
Riding Lawn Tractor

THE MOWER FINANCE DEALER NETWORK

We work with over 2300 local dealers as well as national chains such as Home Depot and Lowes.
Have a favorite dealer? We’ll work with them to get your deal done!

Don’t see your favorite dealer?
Let us know and we’ll track them down.
888-464-6256

PERSONAL APPLY

Applications in your personal name

BUSINESS APPLY

Applications in the name of a business

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. Qualifications vary depending on the lender/lessor but generally, most look at credit score and history, debt-to-income ratio, income, and employment. We also have No Credit Needed programs designed for people with no credit history.

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.

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 mowers 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? Upgrading to larger deck or faster machine may be a consideration.
Are you open to the idea of pre-owned 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 reset 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.

If there are no messages there, 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. 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

Awesome!

Awesome service and very prompt!

Rick V.

Rockwell City, Iowa

Huge variety of good stores!

Great loan terms, lots of different lengths and variables to choose from! Also a huge variety of good stores to take the loan to, I’m grateful for Terrace Finance this year!

TJ H.

Zanesville, Ohio

I got approved!

My credit score isn’t great. I got approved with a 590 and replaced my crappy mower with a John Deere zero-turn.

Robert J.

Conway, Arkansas

Lifesaver!

We didn’t have the cash to buy a mower for our new property. Terrace Finance found us a lease that allowed us to get one right away with no penalty if we decide to pay it off early.

Beth P.

Houston, Texas

Low down payment!

This company is awesome! Drove 3.5 hrs to pick up my new 0 turn. Low down payment and good rates.

Michael C.

Henderson, North Carolina

Really good experience!

I had a really good experience in customer service and had every question answered with out hassle.

Noah G.

West Ellis, Wisconsin

Helpful & fast!

So very helpful and fast. I would use them again if needed.

Glen S.

Customer friendly!

Fast, accurate, and customer friendly…Kudos….

Robert L.

READY. SET. MOW!

Let’s get you set up with a way to pay.

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-$50K

COMMERCIAL PROGRAMS

$500 to 2MM+