Purchasing Power for Pet People!

Consumer transactions from $200 – $15,000
  • All credit profiles considered
  • Get approved before you shop or when you’re ready to buy- it’s up to you.
  • We match you with a lender based on your location, credit score, and what you are purchasing.
  • No obligations! You will be able to review the finance agreement before finalizing the transaction.


Ready to reserve or take home a pet or product? Complete our application to create an account and be matched with financing. You can put the application on hold at any time if you wish and come back to it by logging back in.

Get Matched

The Terrace Finance lending platform 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.


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!

Will my credit be pulled? Although Terrace Finance conducts only a soft credit pull for pre-qualification purposes, many of the lenders on our platform do conduct a hard credit pull to confirm your eligibility. You will be asked for formal consent as you fill out the application.