Furry Friend Financing
Transactions of $200-$15,000
previous arrow
next arrow

How it Works

Puppy Icon

What kind of pet or product do you want?

Whether you have a breeder or supplier already in mind or need help finding one, Terrace Pets can help. Fill out our form or give us a call to be matched with a breeder or product on our network. Or choose your own source, and we’ll work with them to complete the transaction.

application icon

Complete the application.

Ready to reserve or take home a pet or product? Complete our application through your breeder or merchant’s link to create an account and be matched with financing. Or go ahead and apply through our site if you’re still shopping around and we’ll facilitate the transaction.


Get matched with a program.

Our lender waterfall will work to match you with a program that matches your credit profile, needs, and state regulations. Review the offer from the lender carefully before accepting. You can put the application on hold and come back to it if you wish by logging back in.

Pet Ownership Icon

Finalize the transaction.

When it’s time to finalize the sale, the breeder or merchant submits an invoice through the system. The lender will advise them when the process is complete and you can take home your new pet or pet product!

Our Breeder Network

Have a certain breed in mind? We manage a network of breeders who offer Terrace Finance as a payment option to their customers. We can match customers with a breeder who is already on the platform or work with the customer’s chosen breeder to do a one-time transaction. Would you like help finding a breeder? Fill out our shopping help form.