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Payments & Terms That Fit Your Budget

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LOW PAYMENTS

Term lengths structured to keep payments low

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PAY OFF ANYTIME

Pay off your contract early & save

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INSTANT DECISIONS UP TO $15,000

Get the bigger items you need fast, from $200 to $15,000*

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30 DAYS SAME AS CASH

Pay off your contract within 30 days and pay 0% over the purchase price**

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$1 FIRST PAYMENT

Check out with just $1 to activate your contract

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SKIP-A-PAYMENT OPTION

Skip a payment up to 2 times within 12 months†

* Approval and approval amounts are dependent on credit eligibility and are not guaranteed.
** Vernance provides a 30-day Same-As-Cash (SAC) period except where required by law to offer different terms. California has a 90-day SAC period. You will be provided a contract that includes the full details of our SAC period. Please review carefully prior to signing /executing the contract.
† Skip-A-Payment option becomes available after the fourth regular payment. Not to be used back-to-back. Skipped payment will be added to the end of the lease term. Call ahead to arrange.

How it Works

Vernance is a member of the Terrace Finance Network of payment solution providers. When you apply, your application is routed through their network based on your credit profile and needs. We hope you are a fit for Vernance, but if not, your application may be automatically considered by another provider to improve your likelihood of approval.

APPLY

Click the link to apply online. Your application will be routed through the Terrace Finance Network.

SHOP

Once approved you will be given an approval amount and fulfillment instructions.

FINALIZE

Review the contract carefully. After you e-sign the agreement, Terrace Finance will facilitate fulfillment.

OWN IT

Make all of your agreed payments or pay off early. Own it after the final installment.

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