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Rent To Own Audio – Premium Sound with Flexible Financing

Immerse yourself in high-quality sound with the latest audio equipment from Finance My Cart. Whether you're looking for Bluetooth speakers, soundbars, home theater systems, or headphones, we offer top brands like Bose, Sony, JBL, Beats, and more. Our rent-to-own and lease-to-own payment plans make it easy to bring premium audio into your home without the hefty upfront cost. With affordable monthly payments and free shipping, you can enjoy crystal-clear sound and deep bass right away. Get the audio gear you need and pay over time with our flexible financing solutions at Finance My Cart!

Original price $595.99 - Original price $595.99
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Samsung HW-QS730D - sound bar system - wireless

Samsung

Samsung HW-QS730D - Q Series - sound bar system - 3.1.2-channel - wireless - Wi-Fi Bluetooth - 320 Watt (total) - titan black

Original price $595.99 - Original price $595.99
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Original price $1,089.99 - Original price $1,089.99
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Current price $1,089.99

Sonos - Arc Ultra Soundbar - Black

Sonos Inc

Arc Ultra brings your entertainment to life like no other soundbar. Experience unprecedentedly clear deep and balanced sound that precisely surroun...

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Original price $1,089.99 - Original price $1,089.99
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Original price $535.99 - Original price $535.99
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$535.99
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JBL - PartyBox Stage 320 Portable Wireless Party Speaker - Black

JBL

Powerful JBL pro soundRock out with powerful JBL pro sound from two 6.5" woofers that deliver clean precise deep bass even at top volume and a pair...

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Original price $535.99 - Original price $535.99
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$535.99
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Original price $415.99 - Original price $415.99
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$415.99
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Klipsch - Reference Series 10" 150W Powered Subwoofer - Black

Klipsch

Spun-copper thermoformed crystalline polymer (TCP) woofersAll-new 10 spun-copper thermoformed crystalline polymer woofers (TCP) make the latest Ref...

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Original price $415.99 - Original price $415.99
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Original price $496.99 - Original price $496.99
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Klipsch - Reference Series 12" 400W Powered Subwoofer - black

Klipsch

New technology and cleaner bassRevamped 12 spun-copper thermoformed crystalline polymer woofers make the latest Reference subwoofers exceptionally ...

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Original price $496.99 - Original price $496.99
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Original price $336.99 - Original price $336.99
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$336.99
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Bose - TV Speaker Bluetooth Soundbar - Black

Bose

Hear your TV betterThe Bose TV Speaker is a small soundbar that clarifies speech and improves overall TV sound. Inside there are two full-range dri...

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Original price $336.99 - Original price $336.99
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Original price $335.99 - Original price $335.99
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Klipsch - Reference Series 5-1/4" 340-Watt Passive 2-Way Bookshelf Speakers (Pair) - black

Klipsch

Handles up to 300W peak power (75W continuous)For robust and controlled audio that is crisp and clear.5-1/4" spun copper injection molded graphite ...

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Original price $335.99 - Original price $335.99
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Original price $582.99 - Original price $582.99
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POLK RESERVE R350 LC

Polk Audio

POLK RESERVE R350 LCR LOUDSPEAKER

Original price $582.99 - Original price $582.99
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Original price $1,089.99 - Original price $1,089.99
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Sonos - Arc Ultra Soundbar - White

Sonos Inc

Arc Ultra brings your entertainment to life like no other soundbar. Experience unprecedentedly clear deep and balanced sound that precisely surroun...

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Original price $1,089.99 - Original price $1,089.99
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$1,089.99
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Original price $562.99 - Original price $562.99
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Onkyo TX-NR696 7.2-Ch. with Dolby Atmos 4K Ultra HD HDR Compatible A/V Home Theater Receiver - Black

Onkyo

Immerse yourself to an exciting sound experience with this Onkyo 7.2-channel network A/V receiver. The DTS Play-Fi feature is compatible with any a...

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Original price $562.99 - Original price $562.99
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Original price $645.99 - Original price $645.99
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Denon - Home Wireless Subwoofer with Built-in HEOS - Black

Denon

An Extraordinary Upgrade to Denon DSW-1 SubFeaturing HEOS built-in the Denon Home Subwoofer wirelessly connects to all Denon products with HEOS bui...

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Original price $645.99 - Original price $645.99
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Original price $576.99 - Original price $576.99
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LG - 3.1.3 Channel SC9S Soundbar with Wireless Subwoofer Dolby Atmos DTSX and WOW Orchestra - Black

LG

Meet the perfect match for LG OLED evo C Series TVs. Level up to the most immersive listening experience. The LG Sound Bar C features triple up-fir...

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Original price $576.99 - Original price $576.99
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Original price $166.99 - Original price $166.99
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Victrola - Powered Wireless Outdoor Speakers (Pair) - Gray

Innovative Technology

5W nominal power handlingHelps ensure rich dynamic sound.Built-in BluetoothOffers easy connectivity to your compatible device.Water-resistantTo ena...

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Original price $166.99 - Original price $166.99
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Original price $463.99 - Original price $463.99
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JBL - PartyBox 310 Portable Party Speaker - Black

JBL

Powerful JBL Pro SoundAround the block or across the beach make your party heard with 240 watts of big JBL Pro Sound. Sing rap strum — then turn up...

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Original price $463.99 - Original price $463.99
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Original price $321.99 - Original price $321.99
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$321.99
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JBL - Stage2 240B 2-Way 4.5-inch (114mm) Bookshelf Loudspeaker - Pair - Latte

JBL

4.5-inch (114mm) Polycellulose Ribbed Cone WooferEach speaker in the Stage 2 series features Polycellulose ribbed cone woofers. This pure pulp cone...

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Original price $321.99 - Original price $321.99
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Original price $526.99 - Original price $526.99
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JBL - Stage 200P 10-Inch Powered Subwoofer - Latte

JBL

10-inch (250mm) Polycellulose Ribbed Cone Low-Frequency WooferEach speaker in the Stage 2 series features Polycellulose ribbed cone woofers. This p...

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Original price $526.99 - Original price $526.99
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Original price $424.99 - Original price $424.99
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JBL - Stage2 250B 2-Way 5.25-inch (130mm) Bookshelf Loudspeaker - Pair - Latte

JBL

5.25-inch (130mm) Polycellulose Ribbed Cone WooferEach speaker in the Stage 2 series features Polycellulose ribbed cone woofers. This pure pulp con...

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Original price $424.99 - Original price $424.99
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Original price $321.99 - Original price $321.99
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JBL - Stage2 240B 2-Way 4.5-inch (114mm) Bookshelf Loudspeaker - Pair - Espresso

JBL

4.5-inch (114mm) Polycellulose Ribbed Cone WooferEach speaker in the Stage 2 series features Polycellulose ribbed cone woofers. This pure pulp cone...

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Original price $321.99 - Original price $321.99
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Original price $628.99 - Original price $628.99
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JBL - Stage 220P 12-Inch Powered Subwoofer - Espresso

JBL

12-inch (300mm) Polycellulose Ribbed Cone Low-Frequency WooferEach speaker in the Stage 2 series features Polycellulose ribbed cone woofers. This p...

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Original price $628.99 - Original price $628.99
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Original price $424.99 - Original price $424.99
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$424.99
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JBL - Stage2 250B 2-Way 5.25-inch (130mm) Bookshelf Loudspeaker - Pair - Espresso

JBL

5.25-inch (130mm) Polycellulose Ribbed Cone WooferEach speaker in the Stage 2 series features Polycellulose ribbed cone woofers. This pure pulp con...

View full details
Original price $424.99 - Original price $424.99
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$424.99
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Original price $162.99 - Original price $162.99
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$162.99
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VIZIO - 2.1 Soundbar Wireless Subwoofer w/ Dolby Atmos DTSX - Black

Vizio

Experience the thrill of Dolby Atmos DTSX sensational audio with a low-profile soundbar and wireless subwoofer that deliver driving sound to your ...

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Original price $162.99 - Original price $162.99
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Original price $242.99 - Original price $242.99
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$242.99
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VIZIO - 5.1 Soundbar Wireless Subwoofer Surround Sound w/ Dolby Atmos and DTSX - Black

Vizio

Experience immersive sound all around with Dolby Atmos 3D audio a wireless subwoofer and two surround speakers that deliver true 360-degree immersi...

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Original price $242.99 - Original price $242.99
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Original price $129.99 - Original price $129.99
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$129.99
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Sony HT-S100F - sound bar - for home theater - wireless

TEAC

Sony HT-S100F - Sound bar - for home theater - 2.0-channel - wireless - Bluetooth

Original price $129.99 - Original price $129.99
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Original price $818.99 - Original price $818.99
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Onkyo - TX-NR6100 7.2 Channel THX Certified Network A/V Receiver - Black

Onkyo

Building key noise-reduction refinements into 100 W/Ch THX Certified Select high-current amplification the Onkyo TX-NR6100 sets the bar for refere...

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Original price $818.99 - Original price $818.99
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Original price $359.99 - Original price $359.99
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$359.99
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Samsung - SWA-9500S/ZA 2.0.2 Channel Wireless Rear Speaker Kit Dolby Atmos/DTSX - Black

Samsung

Wrapped in sound not wires

Original price $359.99 - Original price $359.99
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Original price $718.99 - Original price $718.99
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MB Quart - Jeep JL Wrangler Tuned 12" Single-Voice-Coil 2-Ohm Loaded Subwoofer Enclosure with Integrated 400W Amp - Black

MB Quart

Upgrade the bass in your 2018-up Jeep JL Wrangler with this MB Quart loaded subwoofer enclosure. It includes a subwoofer paired with a 400W amplifi...

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Original price $718.99 - Original price $718.99
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Original price $291.99 - Original price $291.99
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Denon - 2.1-Channel DHT Soundbar with Built-in Subwoofers Surround Sound Supported - Black

Denon

Dolby Atmos Sound BarImmerse yourself in 3D cinematic audio with Dolby Atmos technology through the Denon DHT-S218 Soundbar enhanced by its two pow...

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Original price $291.99 - Original price $291.99
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Original price $389.99 - Original price $389.99
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26" Tall AV Rack 15U Stackable Skeleton Rack

Sanus

SANUS 26" Tall AV Rack 15U Stackable Skeleton Rack

Original price $389.99 - Original price $389.99
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Original price $120.99 - Original price $120.99
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$120.99
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Audio-Technica - ATH-M40x Monitor Headphones - Black

Audio-Technica

40mm neodymium driversDeliver faithful sound reproduction.Flat tuningProvides accurate monitoring across an extended frequency range.90 swiveling e...

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Original price $120.99 - Original price $120.99
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Original price $837.99 - Original price $837.99
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Current price $837.99

JBL - Party Box 710 Portable Party Speaker - Black

JBL

800W RMS of powerful JBL original pro soundCreate an instant musical connection with 800 powerful watts of high-performance JBL original pro sound....

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Original price $837.99 - Original price $837.99
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Original price $129.99 - Original price $129.99
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JBL - PartyBox Digital Wireless Microphones

JBL

Clear voice crisp soundThe cardioid pickup pattern of these mics deliver a warm clear and crisp vocal sound that's designed to make everyone sound ...

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Original price $129.99 - Original price $129.99
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Original price $273.99 - Original price $273.99
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JBL - Partybox Encore Essential Portable Wireless Party Speaker - Black

JBL

Amazing JBL original pro soundExperience amazing JBL original pro sound with deep bass.A light show that syncs to the beatThe dynamic light show de...

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Original price $273.99 - Original price $273.99
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$273.99
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Current price $273.99
Original price $222.99 - Original price $222.99
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$222.99
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Current price $222.99

Polk Audio - React 7" Wireless Subwoofer - Black

Polk Audio

The Polk React Subwoofer a 7 long-reach wireless subwoofer with a low-profile seamless design that blend into the room but its heart-thumping bass ...

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Original price $222.99 - Original price $222.99
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$222.99
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Original price $312.99 - Original price $312.99
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$312.99
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Current price $312.99

Polk Audio - Atrium5 5" Outdoor Speakers (Pair) - Black

Polk Audio

5" long-throw mineral-filled polypropylene cone driverWith butyl rubber surrounds pumps out surprising bass response from a compact design.3/4" ano...

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Original price $312.99 - Original price $312.99
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$312.99
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Original price $106.99 - Original price $106.99
Original price
$106.99
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Current price $106.99

Insignia - 2.1-Channel Soundbar with Wireless Subwoofer and DTSVirtual X - Black

Insignia

2.1-channel soundbarDelivers a superior listening experience with four 2-inch speaker drivers.Wireless subwooferProvides a deep powerful bass with ...

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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 $336.99 - Original price $336.99
Original price
$336.99
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Current price $336.99

Samsung HW-B750D - sound bar system - wireless

Samsung

Samsung HW-B750D - B-Series - sound bar system - 5.1-channel - wireless - Bluetooth - 400 Watt (total) - black

Original price $336.99 - Original price $336.99
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$336.99
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Current price $336.99

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.