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Inform U Blog

What is Finance My Cart?

Finance My Cart is your destination for thousands of lease-to-own electronics, appliances, tech, audio, and gaming must-haves. We serve the full credit spectrum with finance options for bad credit, good credit, and everything in-between. Pay as little as $1 down to get the name brand lease-to-own electronics you need for home, school, work, or play.

What is Terrace Finance?

Terrace Finance is the payment method for Finance My Cart. Terrace Finance provides an application portal to a network of payment solution providers curated to service a wide range of credit profiles and products. The types of payment solutions available include buy now pay later (aka "4-pay", "8" pay, or "12-pay") and lease-to-own/rent-to-own solutions. Apply through any apply link on our site and the Terrace Finance platform will work to match you with a compatible payment solution provider and return an offer to you. Our agents will then initiate a contract based on the items in your cart and facilitate the finalization with the payment solution provider as well as the supplier for your items.

Why should I consider lease-to-own?

Get what you need now without a credit card. Leasing to own out-of-pocket expenses gives you another way to pay for the electronics and other essentials you want or need without delay. Plus, it gives you the opportunity to spread payments out over time so the payments can work within your budget. This allows you to keep existing savings, credit card, or emergency funds as a buffer for unexpected expenses or other day-to-day needs.

Can I shop at Finance My Cart even if I have bad credit?

Yes! Since we use Terrace Finance as our payment method, customers of all credit profiles have access to programs they may qualify for. While it is easy to find ways to pay when you have good credit, we pride ourselves on having options for folks who fall just outside the top tier as well as those who have low or no credit. Instead of bad credit, can we just call it “less than perfect" credit?

Can I pay off early to save money?

Yes! While early payoff and same as cash periods vary by provider in the Terrace Finance network, they do each have options to allow you to affordably purchase your item before the agreement term is complete. You will be presented with the available options for consideration before signing.