The Terrace Finance platform brings together multiple payment solution providers covering a wide range of credit profiles and products. We pride ourselves on providing a pathway to ownership for people not just with good credit, but with average credit, bad credit, and no credit too. Our waterfall system works to match you with a provider that specializes in your desired product and credit profile. Loan and lease-to-own programs will vary by state, product, dollar amount, and the credit situation of each individual.

Sheffield Financial is a leader in delivering simple, easy, and fast consumer financing in the Powersports, Outdoor Power Equipment, Marine and Trailer industries. Sheffield’s online prequalification and digital buying experience offers clear and competitive financing options.