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

Transactions of $200 and Up

Your application will be automatically routed to the program and lender that are the best match for your credit profile and needs.

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 online through the APPLY NOW button. Or, if you are at a participating dealership, apply through that store’s Mower Finance link.

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Get Matched

The Terrace Finance lending platform will work to match you with a program based on your credit profile and needs. The assigned lender will follow up with you directly to make an offer.

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Review the terms from your lender match and e-sign the documents.

Take home your items!

Over 2000 Dealers in Our Network

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