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Appliances

Rent to Own Appliances – Upgrade Your Home with Flexible Financing

Transform your home with high-quality appliances from Finance My Cart. Choose from top brands for refrigerators, washers, dryers, ovens, and smart home essentials. Enjoy modern features, energy efficiency, and fast shipping—all with easy rent-to-own financing and no credit hassles. Upgrade your living space today!

Original price $587.99 - Original price $587.99
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$587.99
$587.99 - $587.99
Current price $587.99

Insignia - 3.7 Cu. Ft. High Efficiency 12-Cycle Top-Loading Washer - White

Insignia

3.7 cu. ft. capacityReduces the number of loads to cut your laundry time.Top loadThis white top-load design lets you load from standing position ra...

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Original price $587.99 - Original price $587.99
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$587.99
$587.99 - $587.99
Current price $587.99
Original price $672.99 - Original price $672.99
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$672.99
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Current price $672.99

Insignia - 24 Top Control Built-In Dishwasher with 3rd Rack Sensor Wash Stainless Steel Tub 49 Dba ENERGY STAR Certification - Stainless Steel

Insignia

Smart wash systemAutomatically selects the appropriate cycle based on how large and soiled your load is to efficiently clean your dishes.Filter sys...

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Original price $672.99 - Original price $672.99
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$672.99
$672.99 - $672.99
Current price $672.99
Original price $592.99 - Original price $592.99
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$592.99
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Current price $592.99

Insignia - 6.7 Cu. Ft. Electric Dryer with Sensor Dry - White

Insignia

6.7 cu. ft. capacityGives you the space you need to thoroughly wash blankets comforters curtains coats and more.9 sensor and manual drying cycles6 ...

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Original price $592.99 - Original price $592.99
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$592.99
$592.99 - $592.99
Current price $592.99
Original price $312.99 - Original price $312.99
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$312.99
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Current price $312.99

Insignia - 3.5 Cu. Ft. Garage-Ready Chest Freezer - White

Insignia

3.5 cu. ft. storage capacityStore your favorite frozen snacks and entrees.Garage-readyWorks in temperatures from 0 to 110 F.Storage basketA wired b...

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Original price $312.99 - Original price $312.99
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$312.99
$312.99 - $312.99
Current price $312.99
Original price $732.99 - Original price $732.99
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$732.99
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Current price $732.99

Insignia - 4.1 Cu. Ft. Top Load Washer with ColdMotion Technology - White

Insignia

4.1 cu. ft. capacity with top-loading designAllows you to load from a standing position rather than an uncomfortable crouch.Easy to operateElectron...

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Original price $732.99 - Original price $732.99
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$732.99
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Current price $732.99
Original price $106.99 - Original price $106.99
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$106.99
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Current price $106.99

Insignia - 1.1 Cu. Ft. Countertop Microwave - Black

Insignia

1000 wattsFor standard microwave cooking.2-step safety lockPrevents young children from accessing the microwave9 preset functionsChoose from Popcor...

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Original price $106.99 - Original price $106.99
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$106.99
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Current price $106.99
Original price $647.99 - Original price $647.99
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$647.99
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Current price $647.99

Insignia - 18 Cu. Ft. Top-Freezer Refrigerator with Handles - White

Insignia

18 cu. ft. capacityProvides enough space for all your essentials and much more.Versatile placementA freestanding design with reversible doors provi...

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Original price $647.99 - Original price $647.99
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$647.99
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Current price $647.99
Original price $967.99 - Original price $967.99
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$967.99
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Current price $967.99

Insignia - 21 Cu. Ft. Garage Ready Convertible Upright Freezer with ENERGY STAR Certification - White

Insignia

Convertible designFreeze or refrigerate your food in this Insignia upright freezer simply by changing the temperature settings on the clear and con...

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Original price $967.99 - Original price $967.99
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$967.99
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Current price $967.99
Original price $387.99 - Original price $387.99
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$387.99
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Current price $387.99

Insignia - 4.3 Cu. Ft. Mini Fridge with Top Freezer and ENERGY STAR Certification - Stainless Steel

Insignia

Analog temperature controls ensure simple operationFor straightforward control of refrigerator and freezer temperature.Generous storageIncludes a w...

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Original price $387.99 - Original price $387.99
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$387.99
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Current price $387.99
Original price $762.99 - Original price $762.99
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$762.99
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Insignia - 5.6 Cu. Ft. 1-Tap Beverage Cooler Kegerator - Stainless Steel

Insignia

5.6 cu. ft. capacityHolds either a 1/2 keg or a 1/4 slim keg. The unit converts between a refrigerator and a beverage cooler to suit your needs. No...

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Original price $762.99 - Original price $762.99
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$762.99
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Current price $762.99
Original price $186.99 - Original price $186.99
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$186.99
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Current price $186.99

Insignia - 14-Bottle Wine Cooler with ENERGY STAR Certification - Stainless Steel

Insignia

1.5 cu. ft. capacityStores up to 14 bottles of wine giving you space for all your favorites.Single-zone temperature controlKeeps wine at your chose...

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Original price $186.99 - Original price $186.99
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$186.99
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Current price $186.99
Original price $843.99 - Original price $843.99
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$843.99
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Current price $843.99

Insignia - 7 Cu. Ft. Gas Dryer with Sensor Dry - White

Insignia

7 cu. ft. capacity with front-load designAllows you to easily access and unload your laundry from the dryer. Adjust the reversible door hinge to ac...

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Original price $843.99 - Original price $843.99
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$843.99
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Current price $843.99
Original price $736.99 - Original price $736.99
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Current price $736.99

Insignia - 7 Cu. Ft. Electric Dryer with Sensor Dry - White

Insignia

7 cu. ft. capacity with front-load designAllows you to easily access and unload your laundry from the dryer. Adjust the reversible door hinge to ac...

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Original price $736.99 - Original price $736.99
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$736.99
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Current price $736.99
Original price $440.99 - Original price $440.99
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$440.99
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Current price $440.99

Insignia - 29-Bottle Wine Cooler with ENERGY STAR Certification - Stainless Steel

Insignia

3.2 cu. ft. capacityStores up to 29 bottles of wine giving you space for all your favorites.Single-zone temperature controlKeeps wine at your chose...

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Original price $440.99 - Original price $440.99
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$440.99
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Current price $440.99
Original price $465.99 - Original price $465.99
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$465.99
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Insignia - 130-Can Beverage Cooler - Silver

Insignia

4.6 cu. ft. storage capacityCompact 130 12-ounce can capacity provides plenty of space for cans bottles and more.Touch controls and LED displayMake...

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Original price $465.99 - Original price $465.99
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$465.99
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Current price $465.99
Original price $332.99 - Original price $332.99
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$332.99
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Current price $332.99

Insignia - 3.1 Cu. Ft. Retro Mini Fridge with Top Freezer and ENERGY STAR Certification - Creamy vanilla

Insignia

Retro detailsOld-school metal handles and a cream color give this fridge a retro charm that will stand out as a great accent piece.Compact but spac...

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Original price $332.99 - Original price $332.99
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$332.99
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Original price $393.99 - Original price $393.99
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$393.99
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Current price $393.99

Insignia - 3.1 Cu. Ft. Retro Mini Fridge with Top Freezer and ENERGY STAR Certification - Mint

Insignia

Retro detailsOld-school metal handles and a refreshing mint green color give this fridge a retro charm that will stand out as a great accent piece....

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Original price $393.99 - Original price $393.99
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$393.99
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Original price $397.99 - Original price $397.99
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$397.99
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Insignia - 3.1 Cu. Ft. Retro Mini Fridge with Top Freezer and ENERGY STAR Certification - Red

Insignia

Retro detailsOld-school metal handles and a hot rod red color give this fridge a retro charm that will stand out as a great accent piece.Compact bu...

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Original price $397.99 - Original price $397.99
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$397.99
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Current price $397.99
Original price $971.99 - Original price $971.99
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Insignia - 4.4 Cu. Ft. 16-Cycle Stackable Electric Dryer with Ventless Drying and ENERGY STAR Certification - White

Insignia

4.4 cu. ft. capacitySaves space while remaining a high-efficiency dryer and accommodating sizeable loads.16 drying cyclesMore options that best sui...

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Original price $971.99 - Original price $971.99
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Original price $856.99 - Original price $856.99
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$856.99
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Current price $856.99

Insignia - 2.7 Cu. Ft. High Efficiency Stackable Front Load Washer with ENERGY STAR Certification - White

Insignia

2.7 cu. ft. capacitySaves space while remaining a high-efficiency washer and accommodating sizeable loads.Easy to operateLED screen and knob cycle ...

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Original price $856.99 - Original price $856.99
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Current price $856.99
Original price $860.99 - Original price $860.99
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$860.99
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Current price $860.99

Insignia - 20.5 Cu. Ft. Top-Freezer Refrigerator with ENERGY STAR Certification - Stainless Steel

Insignia

20.5 cu. ft. capacityProvides plenty of space for all your essentials and much more.Reversible door hingesA freestanding design with recessed handl...

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Original price $860.99 - Original price $860.99
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$860.99
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Current price $860.99
Original price $641.99 - Original price $641.99
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$641.99
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Current price $641.99

Insignia - 14.2 Cu. Ft. Top-Freezer Refrigerator with ENERGY STAR Certification - White

Insignia

14.2 cu. ft. capacityProvides enough space for all your essentials and more.Versatile placementA freestanding design with reversible doors and rece...

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Original price $641.99 - Original price $641.99
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$641.99
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Original price $507.99 - Original price $507.99
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Insignia - 350 Sq. Ft. Portable Air Conditioner - White

Insignia

Up to 350 sq. ft. cooling capacityAllows you to keep a medium-sized room cool.3-in-1 climate controlGet high power cooling dehumidifying and fan mo...

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Original price $507.99 - Original price $507.99
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$507.99
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Current price $507.99
Original price $441.99 - Original price $441.99
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$441.99
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Current price $441.99

Insignia - 250 Sq. Ft. Portable Air Conditioner - White

Insignia

Up to 250 sq. ft. cooling capacityAllows you to keep a medium-sized room cool.3-in-1 climate controlGet high power cooling dehumidifying and fan mo...

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Original price $441.99 - Original price $441.99
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$441.99
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Current price $441.99
Original price $698.99 - Original price $698.99
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$698.99
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Current price $698.99

Insignia - 18 Cu. Ft. Top-Freezer Refrigerator with ENERGY STAR Certification - White

Insignia

18 cu. ft. capacityProvides enough space for all your essentials and much more.Versatile placementA freestanding design with reversible doors provi...

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Original price $698.99 - Original price $698.99
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$698.99
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Current price $698.99
Original price $156.99 - Original price $156.99
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$156.99
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Current price $156.99

Insignia - 2.5 Cu. Ft. Mini Fridge with Reversible Door and ENERGY STAR Certification - Black

Insignia

Compact design2.5 cu. ft. provides optimal space to store essentials without taking up too much space.Reversible door with recessed handleProvides ...

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Original price $156.99 - Original price $156.99
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$156.99
$156.99 - $156.99
Current price $156.99
Original price $155.99 - Original price $155.99
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$155.99
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Current price $155.99

Insignia - 2.5 Cu. Ft. Mini Fridge with Reversible Door and ENERGY STAR Certification - White

Insignia

Compact design2.5 cu. ft. provides optimal space to store essentials without taking up too much space.Reversible door with recessed handleProvides ...

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Original price $155.99 - Original price $155.99
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$155.99
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Current price $155.99
Original price $477.99 - Original price $477.99
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$477.99
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Current price $477.99

Insignia - 10.2 Cu. Ft. Garage-Ready Chest Freezer - White

Insignia

10.2 cu. ft. storage capacityGives you plenty of storage space for meat frozen meals treats and more.Garage-readyWorks in temperatures from 0 to 11...

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Original price $477.99 - Original price $477.99
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$477.99
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Current price $477.99
Original price $585.99 - Original price $585.99
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$585.99
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Current price $585.99

Insignia -10 Cu Ft Top-Freezer Refrigerator w/Reversible Door ENERGY STAR -Stainless Look

Insignia

10 cu. ft. capacityIdeal for smaller spaces store a selection of foods all in one place.Optimal fridge storageTwo spill-safe adjustable glass shelv...

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Original price $585.99 - Original price $585.99
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$585.99
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Current price $585.99
Original price $565.99 - Original price $565.99
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$565.99
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Current price $565.99

Insignia - 24 Front Control Built-In Dishwasher with Sensor Wash Stainless Steel Tub 51 dBA and ENERGY STAR Certification - Stainless Steel

Insignia

Smart wash systemAutomatically selects the appropriate cycle based on how large and soiled your load is to efficiently clean your dishes.Filter sys...

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Original price $565.99 - Original price $565.99
Original price
$565.99
$565.99 - $565.99
Current price $565.99
Original price $365.99 - Original price $365.99
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$365.99
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Current price $365.99

Insignia - 1.7 Cu. Ft. Over-the-Range Microwave - Stainless Steel

Insignia

1.7 cu. ft. interiorCook or reheat large meals with a spacious interior.Over-the-range designSaves you countertop space and adds a modern look to y...

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Original price $365.99 - Original price $365.99
Original price
$365.99
$365.99 - $365.99
Current price $365.99
Original price $673.99 - Original price $673.99
Original price
$673.99
$673.99 - $673.99
Current price $673.99

Insignia - 14.2 Cu. Ft. Top-Freezer Refrigerator with ENERGY STAR Certification - Stainless Steel

Insignia

14.2 cu. ft. capacityProvides enough space for all your essentials and much more.Versatile placementA freestanding design with reversible doors pro...

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Original price $673.99 - Original price $673.99
Original price
$673.99
$673.99 - $673.99
Current price $673.99
Original price $94.99 - Original price $94.99
Original price
$94.99
$94.99 - $94.99
Current price $94.99

Insignia - .9 Cu. Ft. Compact Countertop Microwave - Stainless Steel

Insignia

900 wattsCook or reheat meat vegetables pasta and more at the touch of a button.2-step safety lockPrevents young children from accessing the microw...

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Original price $94.99 - Original price $94.99
Original price
$94.99
$94.99 - $94.99
Current price $94.99
Original price $84.99 - Original price $84.99
Original price
$84.99
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Current price $84.99

Insignia - .7 Cu. Ft. Retro Compact Microwave - Mint

Insignia

700 wattsCook or reheat meat vegetables pasta and more at the touch of a button.Retro designMint color round viewing window and chrome details prov...

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Original price $84.99 - Original price $84.99
Original price
$84.99
$84.99 - $84.99
Current price $84.99
Original price $84.99 - Original price $84.99
Original price
$84.99
$84.99 - $84.99
Current price $84.99

Insignia - .7 Cu. Ft. Retro Compact Microwave - Cream

Insignia

700 wattsCook or reheat meat vegetables pasta and more at the touch of a button.Retro designCream color round viewing window and chrome details pro...

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Original price $84.99 - Original price $84.99
Original price
$84.99
$84.99 - $84.99
Current price $84.99
Original price $666.99 - Original price $666.99
Original price
$666.99
$666.99 - $666.99
Current price $666.99

Insignia - NS-RTM18WHD2 - 18 Cu. Ft. Top-Freezer Refrigerator with Handles - White

Insignia

18 cu. ft. capacityProvides enough space for all your essentials and much more.Versatile placementA freestanding design with reversible doors provi...

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Original price $666.99 - Original price $666.99
Original price
$666.99
$666.99 - $666.99
Current price $666.99

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 loans 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 services 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.

Do I have to have good credit to shop at Finance My Cart?

No! 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. Let’s just call it “less than perfect credit”, shall we?

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.