Shipping & Returns

Q: Can I return my FMC financed order?

A: All refurbished, used, and/or custom products are final sale and cannot be returned.

For new items, FinanceMyCart follows the return policies our product supply partners, please review the return process of the location from which you received your goods. Financed orders cannot be returned for store credit or cash.  Please also contact your financing bank for further return instructions regarding your loan/lease agreement on the product in question.

1. Verify that your order meets all the conditions for returning and receiving a refund as outlined by the supplying partner.
2. Contact your financial institution for specific instructions on your loan/lease agreement and the product in question.
3. Contact FinanceMyCart for return approval. You will receive a Return Authorization Number and instructions to return to your nearest store location.
4. Locate the nearest accepting location to return the product. If no suchlocation exists, please follow the supplying partner’s shipping instructions.
5. Verify what the restocking fees are for returned item and return location.
6. Provide proof of destination receipt and your return with be processed and finalized

Q: What is FMC’s return policy on prepaid orders?
A: All refurbished, used, and/or custom products are final sale and cannot be returned
FMC orders can request returns based on the requirements of the supplying partner. However, shipping, delivery discrepancies, and products that arrive damaged must be reported

Q: What is the next step in a return?
A: Once a return request is approved, you will receive a Return Merchandise Authorization (RMA).  Please follow supplying partner procedure and return the product to your closest accepting location promptly.
All merchandise returned must be in original packaging in same condition with all original items (e.g., manuals, remotes, cables, etc.) that came in the box. Returns with missing items may result in a partial refund.

Q: Is there a fee for returns?
A: Restocking fees will be assessed on certain products.
All activatable devices (excluding prepaid phones) will be assessed $45.  Drones, digital cameras, camera lenses, camcorders (including action cameras), electric bikes, electric mopeds, premium scooters, super scooters, mobility scooters, electric wheelchairs, leg and body recovery systems, projectors, projector screens, and special-order products will be assessed 15% of the item purchase price.

Q: What do I do with a damaged item?
A: Damaged must be reported to FMC within 3 business days of delivery in order to be eligible for a full refund/exchange.

Q:What is the insurance on my product if it is shipped?
A:Your item is insured up to the standard liability of the shipping agent.

Q:What if my package says it was delivered but I did not receive it?
A:In the case that the item was delivered and signed for by an authorized signatory of the receiving address, it is to be considered successfully delivered.  Any such issue can be taken up with the assigned package delivery company.

Q: How do I contact FMC regarding my order?
A: For questions regarding your order, you may contact FMC Order Support: Telephone: 1-888-509-1370
Email: info@terracefinance.comt
What are the hours of operation?
Eastern - Monday-Saturday 9:00 a.m. - 11:00 p.m. and Sunday 10:00 a.m. - 8:00 p.m. Except national holidays 
Central - Monday-Saturday 8:00 a.m. - 10:00 p.m. and Sunday 9:00 a.m. - 7:00 p.m. Except national holidays 
Mountain - Monday-Saturday 7:00 a.m. - 9:00 p.m. and Sunday 8:00 a.m. - 6:00 p.m. Except national holidays 
Pacific - Monday-Saturday 6:00 a.m. - 8:00 p.m. and Sunday 7:00 a.m. - 5:00 p.m. Except national holidays

Financing

Q: The application says Terrace Finance. Am I in the right place?

A: Yes! Finance My Cart uses the Terrace Finance platform to process applications.

Q: Why should I consider financing?

A: Financing out-of-pocket expenses gives you more options to pay for the services you want or need without delay. Plus, it gives you the opportunity to pay over time. This allows you to keep existing savings, credit card, or emergency funds for unexpected expenses or other day-to-day needs.

Q: Is there an application fee?

A: No, there is no fee to apply.

Q: What are the requirements needed for approval?

A: Our program offers multiple lenders/lessors that cover consumers across the credit spectrum. Qualifications vary depending on the lender/lessor but most require you to be employed with wages of at least $1,000 per month, over age 18, and have a checking account.

Q: What information is needed to complete the application?

A: The following information will be required to apply:

• Personal Information (name, address, phone number, SSN, etc.)
• Employment information (status of employment and employer name)
• Income Information
• Other – Additional details, such as proof of income, may be required depending on the financing offer you choose.

Q: How do you decide to approve a customer?

A: We use the information from your application and third-party data including a soft credit pull to determine if you may be a candidate for any of the providers in the Terrace Finance network. If you meet the minimum qualifications of one or more of lender/lessor partners, your application is sent to the first one in line for consideration. A hard credit pull may take place depending on the lender/lessor. They will respond with an approval or decline. If you are declined from one lender/lessor, we “waterfall” your application to the next lender/lessor to try to get you an approval. If Terrace Finance cannot find you an approval, then the response back will be "no lender".

Q: How long does the approval process take?

A: Applications are considered right on the spot and approvals usually take less than 10 seconds.

Q: Do you store any personal information or credit history?

A: Yes – please refer to our privacy policy to understand how we use personal information.

Q: Can I apply if I have had a recent bankruptcy?

A: Yes, you are welcome to apply even if you’ve experienced bankruptcy. Whether we can present an offer for a financial product will depend upon a variety of factors such as (but are not limited to):

• Time since the bankruptcy was discharged
• Current credit profiles
• Income
• Finance amount requested

Q: How much am I allowed to borrow at one time?
A: Typically the loan/lease products associated with the products in this store range from range from $50 up to $15,000 depending on credit eligibility.

Q: How long is the offer valid?
A: An offer is valid for up to 30-60 days depending on the lender/lessor. If no offer is selected within that time frame, the offer will expire, and a new application will need to be submitted.

Q: What will the payments be?
A: Payments will be determined by the selected offer and the length of the term.

Q: When is the first payment due?

A: First payment due dates vary by lender/lessor and the selected offer.

Q: How do you make the first payment?

A: The final lender/lessor will provide you with instructions on how to make the first payment. Most will send a billing statement/onboarding package with instructions on how to send in a payment or set up automatic payments. Some lenders/lessors may require the customer to set up payment information during the application process in order to accept the financing.

Q; Can I pay off my loan/lease early?

A: Yes! Early payoff options are available for all programs. The payoff terms will be described in the agreement prior to your signing.

Q: What if I get stuck in the application process?

A: Please call Terrace Finance at 888-509-1370 to be walked through or apply over the phone if you are having a problem with the application for any reason. Live agents are available during business hours:

Monday – Saturday: 9am – 11pm (EST)
Sunday: 10am – 8pm (EST)