How it Works
Complete the application to be matched with a lender from the Terrace Finance multilender platform. Know your spending power before you shop!
Shop & Reserve
If you don’t have a breeder chosen already, our puppy concierge service will match you with a breeder, pet travel, and supplies if needed.
Finalize & Love
When your pup is ready, Terrace will finalize the transaction between the breeder and lender. Pay the lender over time, love your pet now!
Photo ID showing you are 18 or older
Steady monthly net income of $1300 or more per month
12 months as a W-9 contractor or owner with at least 6 months on your current job.
Active and stable checking account
Terrace Pets is a division of Terrace Finance Corp. Terrace Pets and Terrace Finance Corp are not lenders. Our mission is to help our merchants and their customers find the financing they need through access to a multi-lender network.