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  • Original price $538.99 - Original price $538.99
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    Current price $538.99

    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 $538.99 - Original price $538.99
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    Current price $538.99
  • Original price $643.99 - Original price $643.99
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    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 $643.99 - Original price $643.99
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  • Original price $545.99 - Original price $545.99
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    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 $545.99 - Original price $545.99
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  • Original price $312.99 - Original price $312.99
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    Insignia - 3.5 Cu. Ft. Garage-Ready Chest Freezer - White

    Insignia

    Compact storageStore your favorite frozen snacks and entrees in a 3.5 cu. ft. capacity.Garage-readyWorks in temperatures from 0 to 110 F (-17.8 to ...

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    Original price $312.99 - Original price $312.99
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  • Original price $683.99 - Original price $683.99
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    Insignia - 13.8 Cu. Ft. Garage Ready Convertible Upright Freezer - 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 $683.99 - Original price $683.99
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  • Original price $859.99 - Original price $859.99
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    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 $859.99 - Original price $859.99
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  • Original price $622.99 - Original price $622.99
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    Insignia - 61-Bottle Wine Cooler - Stainless Steel

    Insignia

    61-bottle capacityBuilt-in cabinet stores up to 61 bottles of wine giving you space for all your favorites.Single-zone temperature controlKeeps win...

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    Original price $622.99 - Original price $622.99
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  • Original price $586.99 - Original price $586.99
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    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 $586.99 - Original price $586.99
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  • Original price $543.99 - Original price $543.99
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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 $543.99 - Original price $543.99
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  • Original price $471.99 - Original price $471.99
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    Insignia - 250 Sq. Ft. Portable Air Conditioner - White

    Insignia

    Up to 250 sq. ft. cooling capacityAllows you to keep a medium-sized room cool.6000 BTUs of cooling powerHelp keep your space at a comfortable tempe...

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    Original price $471.99 - Original price $471.99
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  • Original price $698.99 - Original price $698.99
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    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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  • Original price $130.99 - Original price $130.99
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    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 $130.99 - Original price $130.99
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    $130.99
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  • Original price $150.99 - Original price $150.99
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    $150.99
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    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 $150.99 - Original price $150.99
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    $150.99
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    Current price $150.99
  • Original price $477.99 - Original price $477.99
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    $477.99
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    Insignia - 10.2 Cu. Ft. Garage-Ready Chest Freezer - White

    Insignia

    10.2 cu. ft. storage capacityGives you plenty of storage space.Garage-readyWorks in temperatures from 0 to 110 F (-17.8 to 43.3 C).Counter-balanced...

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    Original price $477.99 - Original price $477.99
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  • Original price $584.99 - Original price $584.99
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    $584.99
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    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 $584.99 - Original price $584.99
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  • Original price $537.99 - Original price $537.99
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    $537.99
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    Current price $537.99

    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 $537.99 - Original price $537.99
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    $537.99
    $537.99 - $537.99
    Current price $537.99
  • 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
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    $365.99
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  • Original price $421.99 - Original price $421.99
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    $421.99
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    Insignia - 29-Bottle Wine Cooler with ENERGY STAR Certification - Stainless Steel

    Insignia

    3.2 cu. ft. (0.9 cu. m) capacityStores up to 29 bottles of wine giving you space for all your favorites.Single-zone temperature controlKeeps wine a...

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    Original price $421.99 - Original price $421.99
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    $421.99
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  • Original price $667.99 - Original price $667.99
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    $667.99
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    Current price $667.99

    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 $667.99 - Original price $667.99
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    $667.99
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  • Original price $115.99 - Original price $115.99
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    $115.99
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    Current price $115.99

    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 $115.99 - Original price $115.99
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    $115.99
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  • Original price $116.99 - Original price $116.99
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    $116.99
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    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 $116.99 - Original price $116.99
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    $116.99
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  • Original price $104.99 - Original price $104.99
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    $104.99
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    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 $104.99 - Original price $104.99
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    $104.99
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    Current price $104.99
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    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 $104.99 - Original price $104.99
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    $104.99
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  • Original price $646.99 - Original price $646.99
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    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 $646.99 - Original price $646.99
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    $646.99
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  • Original price $966.99 - Original price $966.99
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    $966.99
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    Insignia - 21 Cu. Ft. Garage Ready Convertible Upright Freezer w ENERGY STAR- 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 $966.99 - Original price $966.99
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  • Original price $104.99 - Original price $104.99
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    Insignia - .7 Cu. Ft. Retro Compact Microwave - Red

    Insignia

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

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    Original price $104.99 - Original price $104.99
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  • Original price $442.99 - Original price $442.99
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    $442.99
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    Insignia - 7 Cu. Ft. Garage Ready Upright Convertible Freezer with ENERGY STAR Certification - White

    Insignia

    7 cu. ft. capacityOffers plenty of storage space for frozen meals meats ice cream and more.Storage optionsFour adjustable and one fixed glass shelf...

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    Original price $442.99 - Original price $442.99
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    $442.99
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  • Original price $238.99 - Original price $238.99
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    $238.99
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    Insignia - 4.4 Cu. Ft. Mini Fridge with ENERGY STAR Certification - Black

    Insignia

    Compact design4.4 cu. ft. gives you plenty of room to organize your essentials without taking up too much space.Glass shelvesThree shelves let you ...

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    Original price $238.99 - Original price $238.99
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  • Original price $1,000.99 - Original price $1,000.99
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    Insignia - 4.4 Cu. Ft. 16-Cycle Stackable Electric Dryer with Ventless Drying andENERGY 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 $1,000.99 - Original price $1,000.99
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    $1,000.99
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  • Original price $208.99 - Original price $208.99
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    $208.99
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    Current price $208.99

    Insignia - 1.6 Cu. Ft. Over-the-Range Microwave - Stainless Steel

    Insignia

    1.6 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 $208.99 - Original price $208.99
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    $208.99
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    Current price $208.99
  • Original price $580.99 - Original price $580.99
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    $580.99
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    Current price $580.99

    Insignia - 10 Cu. Ft. Top-Freezer Refrigerator with Reversible Door and ENERGY STAR Certification - Stainless Steel 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 $580.99 - Original price $580.99
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    $580.99
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    Current price $580.99
  • Original price $103.99 - Original price $103.99
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    $103.99
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    Current price $103.99

    Insignia - .7 Cu. Ft. Compact Microwave - Black

    Insignia

    9 preset functionsChoose from Popcorn Potato Pizza Frozen Vegetable Beverage Dinner Plate Express Cook (1-6) Add 30s and Defrost options.Compact .7...

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    Original price $103.99 - Original price $103.99
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    Current price $103.99
  • Original price $215.99 - Original price $215.99
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    $215.99
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    Current price $215.99

    Insignia - 3.3 Cu. Ft. Mini Fridge with ENERGY STAR Certification - Black

    Insignia

    Compact design3.3 cu. ft. gives you enough room to organize your essentials without taking up too much space.Glass shelvesThree shelves let you org...

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    Original price $215.99 - Original price $215.99
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    $215.99
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    Current price $215.99
  • Original price $93.99 - Original price $93.99
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    $93.99
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    Current price $93.99

    Insignia - .7 Cu. Ft. Compact Microwave - White

    Insignia

    9 preset functionsChoose from Popcorn Potato Pizza Frozen Vegetable Beverage Dinner Plate Express Cook (1-6) Add 30s and Defrost options.Compact .7...

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    Original price $93.99 - Original price $93.99
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    $93.99
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    Current price $93.99
  • Original price $362.99 - Original price $362.99
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    $362.99
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    Current price $362.99

    Insignia - Retro 3.1 cu. ft. 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 $362.99 - Original price $362.99
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    $362.99
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    Current price $362.99
  • Original price $393.99 - Original price $393.99
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    $393.99
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    Current price $393.99

    Insignia - Retro 3.1 cu. ft. Mini Fridge with Top Freezer - 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 $393.99 - Original price $393.99
    Original price
    $393.99
    $393.99 - $393.99
    Current price $393.99

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.