HOW ACIMA WORKS

STEP 1: Apply in Minutes
Complete the Acima lease-to-own application online. Many customers receive a decision within minutes.

STEP 2: Get Your Approval Amount
If approved, you can use your lease approval toward eligible lawn equipment, generators, zero-turns, and more.

STEP 3: Choose Your Equipment
Pick the equipment you want from our available inventory.

STEP 4: Complete Your Lease Agreement
Review your payment schedule, lease terms, and early purchase options before signing.

STEP 5: Take It Home Today
Once your agreement is completed, you may take your equipment home the same day, depending on availability.

ACIMA PAYOFF OPTIONS

90-Day Early Purchase Option
Acima may offer a 90-day early purchase option, which can help you save compared to making payments for the full lease term.

Early Purchase After 90 Days
Need more time? You may still be able to purchase early at a discount before the lease ends.

Full-Term Ownership
You can also make all scheduled lease renewal payments and own the equipment at the end of the agreement.

⚠️ Important: Acima is lease-to-own, not a loan, credit, or financing. Terms, approvals, payment amounts, fees, and early purchase options vary by agreement. Not all applicants are approved. Review your lease before signing.

HOW SNAP FINANCE WORKS

STEP 1: Apply Online in Minutes
Complete the Snap Finance application online. Many customers receive an instant decision with no long wait times.

STEP 2: Get Approved
If approved, you'll receive a spending amount that can be used toward eligible equipment, including lawn mowers, zero-turn mowers, generators, and more.

STEP 3: Choose Your Equipment
Select the equipment that best fits your needs from our available inventory.

STEP 4: Complete Your Lease-Purchase Agreement
Review and sign your lease-purchase agreement. Be sure to review all payment options and early payoff opportunities.

STEP 5: Take It Home Today
Once your agreement is complete, you can take your equipment home the same day (subject to inventory availability).

SNAP FINANCE PAYOFF OPTIONS

OPTION 1 – 100 DAY CASH PAYOUT

💰 BEST VALUE

Snap Finance offers a 100-Day Cash Payoff Option on many lease-purchase agreements.

Pay off your agreement within the first 100 days and you could save significantly compared to making payments for the full term.

Example:
Equipment Price: $2,000
Pay off within the promotional period and you may save hundreds in lease costs.

⚠️ Terms and savings vary by customer agreement.

OPTION 2 – EARLY PURCHASE OPTION

Need more time?

Customers may still purchase their equipment early after the 100-day period and potentially reduce the total cost compared to completing all scheduled payments.

OPTION 3 – OWN IT OVER TIME

Make your scheduled lease-purchase payments and ownership will transfer to you once all obligations under the agreement have been satisfied.

*Approval is not guaranteed. Snap Finance provides lease-purchase agreements, not traditional loans. Terms, approvals, payment amounts, and payoff options vary by customer. See agreement for complete details. 

HOW IT WORKS

STEP 1: Get Approved

Complete the American First Finance application in just a few minutes.

Many customers receive a decision within seconds. Approval amounts are based on income, banking history, and other qualifying factors.

CLICK HERE TO APPLY → AMERICAN FIRST FINANCE

STEP 2: Choose Your Equipment

Select the lawn mower, zero-turn mower, generator, or equipment that best fits your needs.

CLICK HERE FOR INVENTORY

STEP 3: Complete Your Agreement

Review and sign your agreement. Be sure to review all payment options and early payoff opportunities available to you.

STEP 4: Take It Home Today

Once your agreement is completed, you can take your equipment home immediately (subject to inventory availability).

AMERICAN FIRST FINANCE PAYOFF OPTIONS

OPTION 1 – 101 DAY EARLY BUYOUT

💰 BEST VALUE

American First Finance offers a 101-Day Early Buyout option on many agreements.

Pay off your balance within the promotional period and save significantly compared to making payments over the full term of the agreement.

Example:
Equipment Price: $2,000

Pay off within 101 days and you may save hundreds compared to making payments for the full agreement term.

⚠️ Early payoff amounts and savings vary by agreement.

OPTION 2 – EARLY PAYOFF OPTION

Need more time? No problem.

Customers may still pay off their agreement early and reduce the total amount paid compared to completing all scheduled payments.

OPTION 3 – PAY OVER TIME

Make your regularly scheduled payments according to your agreement terms and enjoy the equipment you need today.

WHY CUSTOMERS CHOOSE AMERICAN FIRST FINANCE

✔ Fast Online Application

✔ Decisions Often Within Seconds

✔ Approval Amounts Up To $5,000*

✔ Flexible Payment Options

✔ 101-Day Early Buyout Available

✔ Take Your Equipment Home Today

APPLY TODAY

Get the equipment you need now and pay over time with American First Finance.

CLICK HERE TO APPLY → AMERICAN FIRST FINANCE

Approval amounts and terms vary based on individual qualifications. Not all applicants are approved. See your agreement for complete details.

HOW IT WORKS

STEP 1: Apply in Minutes

Complete the Progressive Leasing application in just a few minutes.

Many customers receive a decision within seconds. Applying will not affect your credit score.

CLICK HERE TO APPLY → PROGRESSIVE LEASING

STEP 2: Get Approved

If approved, you'll receive a spending amount that can be used toward eligible lawn mowers, zero-turn mowers, generators, and other equipment.

STEP 3: Choose Your Equipment

Select the equipment that best fits your needs from our available inventory.

CLICK HERE FOR INVENTORY

STEP 4: Complete Your Lease Agreement

Review your lease-to-own agreement, payment schedule, and early purchase options before signing.

STEP 5: Take It Home Today

Once your agreement is completed, you can take your equipment home immediately (subject to inventory availability).

PROGRESSIVE LEASING PAYOFF OPTIONS

OPTION 1 – 90 DAY PURCHASE OPTION

💰 BEST VALUE

Progressive Leasing offers an early purchase option that may allow you to save significantly compared to making all scheduled lease payments.

Pay off your agreement early and reduce the total cost of ownership.

Example:
Equipment Price: $2,000

By exercising an early purchase option, you could save hundreds compared to completing all scheduled lease payments.

⚠️ Early purchase options and savings vary by agreement.

OPTION 2 – EARLY PURCHASE OPTION

Need more time?

You may purchase your merchandise at any time during your lease and potentially reduce the total amount paid.

Contact Progressive Leasing for your current payoff amount.

OPTION 3 – OWN IT OVER TIME

Make your scheduled lease payments according to your agreement terms.

Once all required payments have been made, ownership of the merchandise transfers to you.

WHY CUSTOMERS CHOOSE PROGRESSIVE LEASING

✔ Fast Online Application

✔ No Credit Needed*

✔ Decisions Often Within Seconds

✔ Flexible Payment Options

✔ Early Purchase Options Available

✔ Take Your Equipment Home Today

✔ Easy Automatic Payments

APPLY TODAY

Get the equipment you need today and pay over time with Progressive Leasing.

CLICK HERE TO APPLY → PROGRESSIVE LEASING

No credit needed means no traditional credit required. Approval is based on multiple factors. Not all applicants are approved. Progressive Leasing is a lease-to-own program and is not a loan. Terms and conditions apply. See your lease agreement for complete details.

NEED MORE FINANCING OPTIONS?

ONE APPLICATION. MULTIPLE LENDERS.

Get matched with financing solutions from Terrace Finance's network of lending and leasing partners.

PERSONAL FINANCING

💰 Financing from $50 - $75,000*

COMMERCIAL FINANCING

🏢 Apply under your business name for equipment financing, leasing, and working capital solutions.

MUNICIPAL FINANCING

🏛 Financing solutions available for government agencies, schools, utility districts, and other public entities.

WHY TERRACE FINANCE?

✅ One Simple Application

✅ Multiple Lenders & Financing Partners

✅ Personal, Commercial & Municipal Programs

✅ Equipment Loans & Leasing Options

✅ Fast Online Decisions

✅ Financing Available For New & Used Equipment

PERFECT FOR:

✔ Lawn Mowers

✔ Zero-Turn Mowers

✔ Portable Generators

✔ Standby Generators

✔ Commercial Equipment

✔ Fleet Purchases

APPLY TODAY

ONE APPLICATION • MULTIPLE LENDERS • MORE APPROVAL OPPORTUNITIES

CLICK HERE TO APPLY → TERRACE FINANCE

Approval amounts, rates, and terms vary by lender and applicant qualifications. Terrace Finance is not a lender and does not make credit decisions.