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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 $589.99 - Original price $589.99
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$589.99
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Current price $589.99

Samsung HW-QS730D - sound bar system - wireless

Samsung

Q SymphonyPair a Samsung TV with a Samsung Soundbar to unlock a new level of powerful audio. Experience content like never before only with Samsung...

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Original price $589.99 - Original price $589.99
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$589.99
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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

Next-level immersionWith an all-new acoustic architecture powered by 14 Sonos-engineered drivers and advanced technologies like Sound Motion Arc Ul...

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Original price $1,089.99 - Original price $1,089.99
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Current price $1,089.99
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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Current price $535.99
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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Current price $336.99

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 $236.99 - Original price $236.99
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Yamaha - 10-Inch 100-Watt-Max Powered Subwoofer - Black

Yamaha

Frequency25 Hz to 180 HzSoundYamaha Servo Technology II provides a more stable and accurate low-range response and higher sound qualityDesignMatte ...

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Original price $236.99 - Original price $236.99
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Original price $522.99 - Original price $522.99
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AudioControl - 12 Single-Voice-Coil 2-Ohm Loaded Subwoofer Enclosure - Black

Stinger

Compatible with select 2007-2021+ Jeep Wrangler vehiclesIncluding 2-door and 4-door JK/JKU and JL/JLU models for a customized fit.12 loaded swing g...

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Original price $522.99 - Original price $522.99
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Original price $495.99 - Original price $495.99
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Sonos - Port Streaming Media Player - Matte Black

Sonos Inc

Use your smartphone as a Sonos remoteDownload the app on your Android or iOS device to send photos music and video to your TV.High-speed wireless c...

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Original price $495.99 - Original price $495.99
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Original price $762.99 - Original price $762.99
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Sonos - Amp 250W 2.1-Ch Amplifier - Black

Sonos Inc

250W total powerFeatures RMS rating of 125W x 2 at 8 ohms and is two channels driven for robust audio.HDMI ARC inputAdd stereo or surround sound to...

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Original price $762.99 - Original price $762.99
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Original price $335.99 - Original price $335.99
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Onkyo - TX-SR494 7.2-Channel A/V Receiver - Black

Sanus

Ready for 4K HDR entertainmentEnjoy support for HDR video including HDR10 HLG Dolby Vision and BT.2020. The 444 color space is also supported. Six ...

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Original price $335.99 - Original price $335.99
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Original price $389.99 - Original price $389.99
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Sanus - 26" Tall AV Rack 15U Stackable Skeleton Rack - Black

Sanus

black-lacquered shelves are durable and stylish and its contemporary open architecture allows maximum airflowHeavy-gauge tubular steel pillars prov...

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Original price $389.99 - Original price $389.99
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Original price $1,164.99 - Original price $1,164.99
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SAMSUNG Q-series Soundbar HW-Q800F 5.1.2 ch w/ Subwoofer - Black

Samsung

True 5.1.2 Ch. SoundFeel more fully immersed with sound that comes from all around you powered by 5.1.2 channels of sound including side and top fi...

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Original price $1,164.99 - Original price $1,164.99
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Original price $336.99 - Original price $336.99
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Samsung B series 2.1 ch. DTS VirtualX Soundbar - Black

Samsung

DTS VirtualXExpand your listening experience. DTS VirtualX creates spacious 3D sound putting you at the center of the action for an elevated and im...

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Original price $336.99 - Original price $336.99
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Original price $474.99 - Original price $474.99
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Samsung HW-LS60D - speaker - wireless

Samsung

Customizable DesignPump up the volume on your personality. Swap a different color bezel to match your space and showcase your personal artwork phot...

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Original price $474.99 - Original price $474.99
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Original price $738.99 - Original price $738.99
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Samsung HW-S801D - sound bar system - wireless

Samsung

Ultra Slim DesignOur unbelievably sleek low profile soundbar delivers high quality audio in a super slim package.Q SymphonyPair a Samsung TV with a...

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Original price $738.99 - Original price $738.99
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Original price $559.99 - Original price $559.99
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POLK SIGNATURE ELITE

Polk Audio

POLK SIGNATURE ELITE ES10 SUBWOOFER

Original price $559.99 - Original price $559.99
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Original price $391.99 - Original price $391.99
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Polk Audio - Signature Elite Series 8 100W Powered Subwoofer - Black

Polk Audio

Powerful Bass Small FootprintThe Polk Audio Signature Elite ES8 Subwoofer with its high-excursion 8 woofer is designed to enhance compact home thea...

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Original price $391.99 - Original price $391.99
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Original price $822.99 - Original price $822.99
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Polk Audio - Signature Elite Series 12 300W Powered Subwoofer - Black

Polk Audio

Impactful Bass for Expansive SoundscapesThe Polk Audio Signature Elite ES12 Subwoofer with its high-excursion 12 woofer is designed to enhance your...

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Original price $822.99 - Original price $822.99
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Original price $641.99 - Original price $641.99
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Polk Audio - Polk Reserve R200 Bookshelf Speaker 1" Pinnacle Ring Tweeter 6.5" Turbine Cone Woofer (Pair) - Black

Polk Audio

Solid Versatile Bookshelf LoudspeakerFeaturing the new 1" Pinnacle Ring Radiator Tweeter a 6.5" Turbine Cone Woofer the technologically advanced P...

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Original price $641.99 - Original price $641.99
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Original price $270.99 - Original price $270.99
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Polk Audio - RC80i 2-way Round In-Wall 8" Speakers (Pair) Perfect for Damp and Humid Indoor/Outdoor Placement - White

Polk Audio

Premium Audio QualityThese timbre-matched overhead speakers elevate the sound quality by eliminating distortion delivering depth of music with clea...

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Original price $270.99 - Original price $270.99
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Original price $835.99 - Original price $835.99
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LG - 5.1.3-Channel S80TR Home Theater Soundbar with Wireless Subwoofer and Rear Speakers Dolby Atmos WOW Orchestra - Black

LG Electronics

WOW OrchestraCreate the perfect harmony using the audio from the LG TV and LG Soundbar to produce the ultimate listening experience. Feel every det...

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Original price $835.99 - Original price $835.99
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Original price $1,126.99 - Original price $1,126.99
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LG - 7.1.3-Channel S90TR Home Theater Soundbar with Wireless Subwoofer and Rear Speakers Dolby Atmos WOW Orchestra - Black

LG Electronics

WOW OrchestraCreate the perfect harmony using the audio from the LG TV and LG Soundbar to produce the ultimate listening experience. Feel every det...

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Original price $1,126.99 - Original price $1,126.99
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Original price $419.99 - Original price $419.99
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$419.99
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LG - 5.1-Channel S60TR Home Theater Soundbar with Wireless Subwoofer and Rear Speakers Dolby Audio - Black

LG

Cinematic Sound ProjectionExperience a new dimension of sound that transforms your room into a dynamic home theater. Projected through left right c...

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Original price $419.99 - Original price $419.99
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Original price $633.99 - Original price $633.99
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POLK RESERVE R350 LC

Polk Audio

POLK RESERVE R350 LCR LOUDSPEAKER

Original price $633.99 - Original price $633.99
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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 - White

Sonos Inc

Next-level immersionWith an all-new acoustic architecture powered by 14 Sonos-engineered drivers and advanced technologies like Sound Motion Arc Ul...

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Original price $1,089.99 - Original price $1,089.99
Original price
$1,089.99
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Current price $1,089.99
Original price $686.99 - Original price $686.99
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$686.99
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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

Connect to the InternetAccess a variety of online streaming services such as Pandora Deezer Spotify TuneIn TIDAL Chromecast and Amazon Music as wel...

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Original price $686.99 - Original price $686.99
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$686.99
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Original price $645.99 - Original price $645.99
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$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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$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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$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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$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
Original price
$321.99
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Current price $321.99

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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$321.99
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Current price $321.99
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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$424.99
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Current price $424.99

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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$424.99
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Current price $424.99
Original price $321.99 - Original price $321.99
Original price
$321.99
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Current price $321.99

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
Original price
$321.99
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Current price $321.99

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.