Fast · simple · secure
Apply once. Reach the whole lender network.
One form covers every program we work with — consumer, commercial and municipal. Checking your options starts with a soft credit pull, so looking will not affect your score.
Application
Tell us about you
Answer as accurately as you can. The amount and category you select are what route your file to the right providers, so a close estimate beats a guess.
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Still stuck? Apply by phone with our team: 888-509-1370, or text 877-202-4165.
By submitting, you authorise Terrace Finance to present your application to lenders and lessors in its network and to obtain consumer report information for the purpose of routing and evaluating it. Approval, approval amount and terms are determined by the provider and are not guaranteed. See our Privacy Policy, Terms of Service and Credit Pull Policy.
Have these ready
What you will need
- Government-issued ID
- Social Security number
- Verifiable income — many providers look for roughly $1,000 per month or more
- An active checking account
- Employment details and monthly housing cost
- Businesses: EIN and recent bank statements
After you submit
What happens next
- We route your fileA soft credit pull sends it to providers whose criteria you actually meet.
- You get an answerMany categories decide instantly. Larger commercial files go to an account representative.
- You shop your limitAn approval is a spending limit good for 30 days, usable across several retailers.
- You review and signCheck the total cost and the early payoff figure before you e-sign with the provider.
Rather talk to someone?
Our US-based team can take the application with you over the phone, seven days a week.
Text: 877-202-4165
Mon–Sat 9am–11pm ET · Sun 10am–9pm ET
Before you submit
What this does to your credit
The single most common question people ask before filling in a financing form, answered plainly.
The first step is a soft pull
A soft credit inquiry lets the platform see your score and route the file. It is invisible to other lenders and does not affect your credit score, no matter how many programs your file passes through.
You are under no obligation at this stage. Seeing an offer is not accepting one.
A provider may run a hard pull later
Once a provider is matched, it may run a hard inquiry to finalize the offer — more common on larger amounts. If the first provider declines and the file moves on, a second may also pull.
Scoring models generally treat same-purpose inquiries inside a short window as a single event. Read the full explanation
Questions
Application questions
Does applying affect my credit score?
The application starts with a soft credit pull, which does not affect your score. A matched provider may run a hard pull to finalize an offer, which is more likely on larger amounts. If more than one provider reviews your file, more than one may inquire.
Is there a fee to apply?
No. There is no fee to apply or to see what you qualify for. Costs such as interest or lease charges, initial payments, documentation fees and late fees are set by the provider and disclosed in the agreement before you sign anything.
How long does it take?
Most people finish the form in under five minutes. Many consumer categories and commercial requests up to $15,000 return an instant decision. Larger commercial files and municipal contracts are handled consultatively and depend on documentation such as bank statements, financials or board approvals.
How much should I ask for?
Ask for what the purchase actually costs, including tax, delivery and installation. Asking for far more than you need can route your file to programs you do not qualify for; asking for too little can leave you short at the register. The payment calculator helps you sanity-check the figure first.
I applied and haven't heard anything.
Check your junk folder first, since approval instructions arrive by email. A missing piece of information is the most common cause of a stalled file. Customer care can tell you the status and what is outstanding — call 888-509-1370 or text 877-202-4165 during business hours.
Can I apply if I have no credit history at all?
Yes. The network includes a no-credit-needed program running from $200 to $7,500 that decides on income, banking history and employment rather than a score. See how the no-credit-needed program works
Ready when you are
Two minutes to see your options, and nothing happens to your credit score while you look.