Payment solutions for all credit profiles
with one fast & easy application

Transactions of $200-$15,000

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Personal Equipment Loan

  • Transactions of $1,500 to $30,000
  • For upper tier credit customers
  • Compact tractors, trailers, mowers, ATV’s eligible
  • New & used equipment eligible
  • Fixed rate APR based on credit tier
  • No prepayment penalty
  • Terms available: 12, 24, 36, 48, 60 months

Low Payments Lease

  • Transactions of $200 to $15,000
  • For middle tier credit customers
  • $1 initial payment
  • Term length structured to keep payments low
  • Skip-A-Payment Option available
  • 30 Days Same as Cash Option
  • No early pay-off charges
  • Bundles of items eligible

No Credit Needed Lease

  • Transactions of $300 to $4,000
  • For challenged credit customers
  • No credit needed
  • 12 month term length
  • 120 Day Early Purchase Option available
  • ITIN’s accepted
  • $49 initial payment
  • Flexible pay-over-time options that coordinate with pay dates

No Credit Needed Funding

  • Transactions of $300-$5,000
  • For challenged credit customers
  • No credit needed
  • Instant approvals
  • Day 1 ownership*
  • Early payoff option
  • Flexible term lengths
  • Repairs eligible*

*Availability varies by state

How to Qualify

Minimum Requirements

  • Photo ID showing that you are at least 18 years old
  • Minimum Annual Gross Income of $12,000
  • Valid Social Security Number (SSN) or Taxpayer ID Number (ITIN)
  • Valid Email Address & Phone Number
  • Electronic Payment Method

May Be Required

In order to be eligible for additional lending products, more information may be required:

  • 12 months as a W-9 contractor or 6 Months on the job at a W-2 employee
  • Monthly net income of $1300 or more
  • Checking account for at least 1 month where income is deposited
  • Credit score of 550 or higher

How it Works


Start the application when you know the approximate cost of the merchandise or service you are interested in. Apply through your dealer’s Mower Finance link, or right here if you prefer to apply before choosing a dealer.

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Get Matched

The Terrace Finance lending platform will work to match you with a program based on your credit profile, needs, and state regulations. Our team can match you with a dealer if you don’t already have one. The assigned lender will follow up with you directly to make an offer.

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Once you review and accept the terms from your lender match, you can finalize the transaction. Your dealer will be prompted to submit an invoice through the system for the final total of the transaction. You both will be notified when the lender has funded the transaction and the process is complete

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