Shop Now, Pay Later: Finance Gaming Consoles to Grills with Pay in 4!
We've all been there: scrolling through products, adding a new gaming console or a stylish TV stand to a "someday" list. You know you want it, but the upfront cost makes you pause. What if you didn't have to wait? We're making it easier than ever to turn your "someday" into "today."
Through our partnership with Terrace Finance, we're excited to now offer 'Pay in 4' plans.** This is just one of several new flexible financing solutions available at Finance My Cart. More ways to pay means you get more control over your budget and can bring home the products you want today.
What is "Pay in 4" and How Does It Work?
"Pay in 4" is a straightforward payment option that lets you split the cost of your purchase into four equal payments. It's a simple way to break a large purchase up into more manageable payments.
Getting started is easy...
Shop: Browse our site and add your desired items to your cart.
Apply: Complete the quick and easy online application with Terrace Finance.
Pay: If approved for "Pay in 4," make your first payment at checkout and get your merchandise as soon as TODAY! You’ll make the payments as outlined in your lease agreement and then the merchandise is YOURS!
Turn Big Purchases into Small, Manageable Payments
We believe a price tag shouldn't dictate your timeline. Financing is about giving you the power to invest in your life on your own schedule. Whether you're creating the ultimate home office with new furniture, diving into new worlds with a high-end gaming console, or making your yard pristine with new landscaping equipment, you are in control. Spread the cost over time and make those big-ticket items fit comfortably within your budget.
The possibilities are endless; Finance My cart has a path to ownership for...
· Laptops and computers: Whether you're editing video on a new Apple MacBook, dominating the competition on a gaming PC from Alienware or MSI, or bringing your ideas to life on an iPad, we make it simple to get the powerful tools you need. Don't let a price tag limit your potential.
· Gaming consoles: Step into the future of gaming. Secure the highly anticipated PlayStation 5 Pro or Nintendo Switch 2 on day one, or take your entire library on the go with a powerful handheld console like the ASUS ROG Ally X. Stop waiting to play—finance the win.
· Outdoor & Lawncare: Your domain doesn't end at your front door. Experience the freedom of a Rad Power E-Bike, perfect for your daily commute or weekend trails. Master the art of barbecue with a legendary grill and smoker from Traeger, or get the lawncare equipment you need to keep your home looking pristine.
More Choice, More Flexibility: Beyond "Pay in 4"
While "Pay in 4" is perfect for many purchases, we know one size doesn't fit all—especially for larger items. Through the Terrace Finance marketplace, you get access to a network of lenders. With one application, you can be considered by multiple lenders for the plan that works best for you.
Flexible Payment Terms: You may see options for longer terms, such as 4, 6, or even 12 months, which may result in a lower monthly payment.**
Early Payoff Options: Many financing options come with the option to pay off your balance early, which can save you money on interest and fees, lowering your total cost of ownership.
Applying is Simple, Transparent, and Secure
We believe the financing process should be as clear and easy as the shopping experience.
Your credit score is important, which is why we want to directly answer a common question: Does Pay in 4 hurt your credit score? Applying through Terrace Finance typically involves a soft credit inquiry, which does not impact your credit score. On-time payments are always important for your financial health, and the specific lender you qualify with will provide you with all details regarding their credit reporting practices before you sign your lease agreement.
Transparency is our top priority. After approval, the individual lender or lessor will provide you with the exact payment amount, term length, total cost of ownership, and all conditions before you sign anything. No surprises, just clear terms. And if you don’t like what you see? You’re under no obligation to proceed – there’s no fees to apply!
Please note: You must be 18 or older to apply. Terms offered may vary and are subject to application approval.
Your 'Pay in 4' Questions, Answered (FAQ)
Who offers Pay in 4? What apps allow you to Pay in 4?
Many great companies and apps now offer "Pay in 4" services, like Afterpay, Affirm, and Klarna. The benefit of buying here at Finance My Cart is that it's seamlessly integrated into
your checkout experience. Plus, through our partnership with Terrace Finance, we’re able to give you access to a marketplace of lenders, increasing your chances of finding a payment plan that works for you, even beyond "Pay in 4" plans.
What are the eligibility requirements for Pay in 4?
The primary requirement is that you must be 18 years of age or older to apply. Other eligibility criteria are determined by the individual lenders in the Terrace Finance network based on the information you provide in your application. The process is designed to serve customers across a wide range of credit profiles, including those who are working to establish new credit and rebuild challenged credit.
Does Pay in 4 hurt your credit score?
Terrace Finance conducts a “soft credit pull” to take a glance at your credit score and route your application to a lender that is within range. A soft credit pull does not affect your credit score.
Once you are routed to a lender/lessor, they may need to conduct a “hard credit pull” to confirm eligibility. This is a necessary step for many lenders/lessors, especially when the requested dollar amounts are higher. The individual lender will provide clear terms regarding their policies on reporting payments to credit bureaus before you commit to any agreement. Read more about Terrace Finance’s credit pull policy here.
Get What You Need Now, Pay Your Way
Settling for second-best is a thing of the past. Our partnership with Terrace Finance is designed to empower you to get the high-performance gear you truly want, from an Alienware PC to a Traeger grill. With a quick and secure application that won't impact your credit score, you can see exactly what flexible payment plans are available to you.
The tech and tools you've been dreaming of are closer than you think. Browse our collection now, fill your cart, and select Terrace Finance at checkout to discover a payment plan that works for you.
**Pay in 4 is available for qualified customers. Approval, approval amounts, and terms are dependent on credit eligibility and are not guaranteed. Terrace Finance is not a lender. The payments quoted by this payment estimator are based on multiple programs from several providers from within the Terrace Finance network of lenders/lessors. Estimated payments and lender/lessor lineup varies by state and may change at any time without notice. Complete accuracy is not intended or guaranteed. A variety of term lengths and early payoff options are available which has an effect on total cost. Clear terms and an exact payment amount/term will be provided by the individual lender/lessor after approval and before signing. Must be 18 or older to apply.