Terrace Finance is not a lender. We route your application through our network of payment solution providers. Approval and approval amount are subject to credit eligibility and not guaranteed. Must be 18 or older to apply.
Apply
Apply online through our easy application.
Get Matched
We route your application through the Tuesday Morning network of payment solution providers to find a program for your unique credit profile.
Shop
You will receive instructions on how to gather and submit the product links to us.
Finalize
Review and e-sign the contract with the payment provider for the final purchase amount.
Spread Payments Over Time
UP TO 12 months 0% Interest over purchase price
Grab your ID and banking info to complete our quick application.
Apply Now For Financing
Lease To Own
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Special Offer For You
We offer the Tuesday Morning payment solution for customers who wish to pay over time for their purchase. All credit profiles are considered and welcome. Your application gets routed through the our network of payment solution providers which works to find you a program compatible with your credit profile and needs.
Spread Payments Over Time
Allow your purchase to fit within your budget by spreading payments over time.
All Credit Profiles Considered
Terrace’s network of multiple payment solution providers increases your chances of approval over single-lender providers (even if you have less-than-perfect credit).
Pay Off Early & Save
A variety of early payoff options are available depending on the provider you are matched with.
Frequently Asked Questions
What is Terrace Finance Corp?
Tuesday Morning Finance is powered by the Terrace Finance lending platform, which handles the application process and oversees the network of payment solution providers available to Tuesday Morning customers. We aim to provide an alternative to paying in cash.
When you apply with Tuesday Morning Finance, you may receive communications via text or email from Terrace Finance and the following payment solution providers: Vernance LLC, FlexShopper, and Uown. These companies provide coverage for a range of credit profiles, including customers without an established credit history.
The application process allows customers to be matched with a payment solution based on their credit profile through a single application, increasing the odds of approval.
Is Terrace Finance reputable?
A: Yes! Tuesday Morning has chosen to work with Terrace Finance because of their impressive track record.
Terrace Finance Corp has a Better Business Bureau A+ status with a customer rating of 4.75 out of 5. See customer reviews here: https://www.bbb.org/us/nv/henderson/profile/business-consultant/terrace-finance-corp-1086-90088017/customer-reviews
In addition, Terrace Finance Corp has a Google review rating of 4.6
How does this work?
A: When you apply through Tuesday Morning Finance, you will be supplying your information to Terrace Finance via a secure application to return a decision to you on a lease-to-own payment solution from one of their providers.
Add items to your cart, then at checkout, click the “OR PAY AS LOW AS” button to apply with Tuesday Morning Finance.
You will be prompted to provide basic personal information such as name, address, email, social security/ITIN number, employment/income information, and an ID scan so your identity can be verified.
Once all information is complete, an instant decision will be returned to you stating whether you are approved (including maximum approval amount) or if no offer was made from one of the payment solution providers. If approved, you will be offered a choice of payment terms for the items in your cart from the assigned provider, along with payment quotes and details about early payoff options. Review carefully, make your choice, and e-sign the contract to finalize your transaction.
Future payments will be made to the assigned provider according to the terms of the agreement.
If declined, you will be returned to Tuesday Morning to shop with other forms of payment.
Will my credit be affected if I apply?
No. Terrace Finance conducts a “soft credit pull” which does not affect your credit score.
Q: What qualifications do you need to apply?
The Terrace Finance payment solution provider lineup offers programs that cover consumers across the credit spectrum, from good credit to no credit needed. Basic requirements are that you must be 18 or older, have regular income, have a bank account and an electronic payment method.
Q: I didn’t get approved for the full amount of the items in my cart. What do I do?
If your cart total is more than your approval amount, the cart will need to be adjusted in order to move forward. Close the application box, make adjustments to the items in your cart, and choose the “PAY AS LOW AS” button again to check out with Tuesday Morning Finance.
I got approved for more than I thought. Can I add items to my cart after I got approved?
If you want to add more items to your cart after approval, first close the application box and return to shopping. Once you have added the items, choose the “PAY AS LOW AS” button again and repeat the steps to check out with Tuesday Morning Finance.
How do I know my information is secure?
You may refer to the Terrace Finance Privacy Policy and Terms of Service for details on how your information is used and kept safe.
Q: I’m having trouble with the application. What do I do?
Reach out directly to the Terrace Finance Team, who are standing by to help.Phone:888-509-1370 Email: info@terracefinance.com Text: 877-202-4165
Hours of live customer service are:
Mon-Sat 9AM - 11PM EST
Sun 10AM - PM EST
I used the Tuesday Morning Finance option for my purchase, but I want to return all or part of it. What do I do?
Contact Terrace Finance at 888-509-1370 for assistance on your return.
