Contact us
A US-based team, seven days a week. Below is who handles what, so you reach the right place first time.
Call
Consumer and commercial applications, status checks and general questions. A US-based team, seven days a week.
Text
Quickest route for a status update on an application already submitted. Message and data rates may apply.
General enquiries. Please do not send your Social Security number or bank details by email.
Hours
Mon–Sat 9am–11pm ET
Sun 10am–9pm ET
Outside these hours, leave a message or text and we will come back to you the next working day.
Route it right
Who to contact about what
Some things are ours and some belong to the provider on your agreement. Going to the right place first saves days.
| If you want to | Contact | Typical response |
|---|---|---|
| Apply, or check an application’s status | Terrace Finance customer care — 888-509-1370 | Immediate by phone |
| Understand an offer before you sign | Terrace Finance customer care, or the provider directly | Same day |
| Make a payment, get a payoff figure, or query a charge | The lender or lessor named on your agreement | Per that provider |
| Dispute goods, delivery or a warranty | The merchant you purchased from | Per that merchant |
| Dispute a credit report entry | The credit reporting agency and the furnisher — see the Credit Pull Policy | Generally 30 days |
| Exercise a privacy right | Your Privacy Choices | Acknowledged in 10 business days |
| Report an accessibility barrier | Accessibility or the email above | Acknowledged in 5 business days |
| Join the merchant network | Merchant onboarding — see below | Discovery call within 12–24 hours |
Why payments do not come to us
Terrace Finance is a platform, not a lender. Once you sign, your agreement is with the provider named on it, and that provider handles billing, payoff quotes and servicing. If you cannot work out which provider holds your contract, call us and we will tell you.
Merchants
Joining the network
Retailers, dealers and service businesses wanting to offer financing at the counter start with a discovery call. Have your store photographs, business details and banking information ready.
Onboarding replies usually arrive within 12 to 24 hours of an enquiry.
Merchant informationBy post
Mailing address
Terrace Finance Corp.
2580 Anthem Village Dr, Suite B
Henderson, NV 89052
United States
For privacy requests, mark the envelope “Attn: Privacy”. For legal notices, [add the designated address for service of process].
Escalation
If we have not resolved something
Tell us first — most problems turn out to be a missing document or a file sitting with the wrong provider. If that does not fix it, you can escalate to the Consumer Financial Protection Bureau, your state attorney general or the Better Business Bureau. Our BBB file is public, including every complaint on it.
Full details of where to file are on the licenses and disclosures page.
Or just start the application
Two minutes, no fee, and a soft credit check that leaves your score alone.