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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!

JBL - 2.1 Channel Soundbar with Wireless Subwoofer - Black

JBL
Original price $289.99 - Original price $289.99
Original price
$289.99
$289.99 - $289.99
Current price $289.99

Bring the powerFill your whole room with sound. An impressive 300W of total system power puts you in control. Your movies and music have never soun...

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Original price $289.99 - Original price $289.99
Original price
$289.99
$289.99 - $289.99
Current price $289.99

LG - 5.1-Channel S60TR Home Theater Soundbar with Wireless Subwoofer and Rear Speakers Dolby Audio - Black

LG
Original price $302.99 - Original price $302.99
Original price
$302.99
$302.99 - $302.99
Current price $302.99

Bring Home Epic SoundExperience a new dimension of sound with our 5.1 channel Home Theater Soundbar. Transform your room into a dynamic home theate...

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Original price $302.99 - Original price $302.99
Original price
$302.99
$302.99 - $302.99
Current price $302.99

Klipsch - Reference Series 12" 400W Powered Subwoofer - black

Klipsch
Original price $531.99 - Original price $531.99
Original price
$531.99
$531.99 - $531.99
Current price $531.99

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

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Original price $531.99 - Original price $531.99
Original price
$531.99
$531.99 - $531.99
Current price $531.99

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

Klipsch
Original price $359.99 - Original price $359.99
Original price
$359.99
$359.99 - $359.99
Current price $359.99

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 $359.99 - Original price $359.99
Original price
$359.99
$359.99 - $359.99
Current price $359.99

Pioneer - 7" Bluetooth Digital Media (DM) Receiver - Black

Pioneer
Original price $214.99 - Original price $214.99
Original price
$214.99
$214.99 - $214.99
Current price $214.99

Connect Your Favorite Apps with WebLinkEnjoy easy access to apps like Waze for navigation and YouTube for entertainment right on your car’s screen....

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Original price $214.99 - Original price $214.99
Original price
$214.99
$214.99 - $214.99
Current price $214.99

Metra - Speaker Adapter Plate for Hyundai Accent 2018-2022 and Select KIA 2005-Up (2-Pack) - Black

Metra Electronics Co
Original price $36.99 - Original price $36.99
Original price
$36.99
$36.99 - $36.99
Current price $36.99

Compatible with Hyundai Accent 2018-2022 and select KIA 2005-upIncluding Hyundai Accent 2018-2022 and KIA Sportage 2005-2010 Spectra 5 2005-2008 Sp...

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Original price $36.99 - Original price $36.99
Original price
$36.99
$36.99 - $36.99
Current price $36.99

Metra - Dash Kit for Nissan Kicks 2021-2024 and Versa 2023-2025 (With Factory 8" Screen) Vehicles - Matte Black

Metra Electronics Co
Original price $50.99 - Original price $50.99
Original price
$50.99
$50.99 - $50.99
Current price $50.99

ISO Double-DIN radio provisionSupports installation of an ISO Double-DIN aftermarket radio for a clean modern upgrade.Factory-matched matte black f...

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Original price $50.99 - Original price $50.99
Original price
$50.99
$50.99 - $50.99
Current price $50.99

Metra - Speaker Harness for Toyota Tundra 2022-2025 (2-Pack) - Multi

Metra Electronics Co
Original price $29.99 - Original price $29.99
Original price
$29.99
$29.99 - $29.99
Current price $29.99

Upper dashboard speaker harnessDesigned for installing an aftermarket speaker in the upper dashboard location.Plug-n-play designNo cutting splicing...

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Original price $29.99 - Original price $29.99
Original price
$29.99
$29.99 - $29.99
Current price $29.99

Rexing - Universal OBD II Scanner Engine Code Reader for 1996+ Vehicles - Black

Rexing
Original price $59.99 - Original price $59.99
Original price
$59.99
$59.99 - $59.99
Current price $59.99

Read Clear Check Engine Light CodesQuickly read and clear emission-related engine fault codes.Supports All Standard OBD II ProtocolsCompatible wit...

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Original price $59.99 - Original price $59.99
Original price
$59.99
$59.99 - $59.99
Current price $59.99

Metra - Full Dash Replacement Radio Installation Kit for 20112018 Jeep Wrangler JK Vehicles - Black

Metra Electronics Co
Original price $435.99 - Original price $435.99
Original price
$435.99
$435.99 - $435.99
Current price $435.99

Designed for Jeep Wrangler 20112018Full dash panel replacement engineered specifically for select Jeep Wrangler models from 2011 to 2018.Full dash ...

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Original price $435.99 - Original price $435.99
Original price
$435.99
$435.99 - $435.99
Current price $435.99

Insignia - 3.5 mm to Bluetooth Audio Adapter - White

Insignia
Original price $34.99 - Original price $34.99
Original price
$34.99
$34.99 - $34.99
Current price $34.99

Bluetooth 5.3Switch between transmitting and receiving Bluetooth signals with the TX to RX switch.TX modeTransmit from 3.5 mm sources to Bluetooth ...

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Original price $34.99 - Original price $34.99
Original price
$34.99
$34.99 - $34.99
Current price $34.99

Metra - AXXESS Steering Wheel Control Harness for 2012-2020 Toyota GR86 and 2022-2025 Subaru BRZ Vehicles - Multi

Metra Electronics Co
Original price $85.99 - Original price $85.99
Original price
$85.99
$85.99 - $85.99
Current price $85.99

Compatible with select Subaru and Toyota vehicles 20222025Designed for a precise fit in supported Subaru and Toyota models.Pre-wired for AXXESS ste...

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Original price $85.99 - Original price $85.99
Original price
$85.99
$85.99 - $85.99
Current price $85.99

Insignia - 2000W Travel Converter and Plug Adapters - Black

Insignia
Original price $40.99 - Original price $40.99
Original price
$40.99
$40.99 - $40.99
Current price $40.99

Intended for international useFive plug adapters are included for use in various regions including North America South America China/Japan Hong Kon...

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Original price $40.99 - Original price $40.99
Original price
$40.99
$40.99 - $40.99
Current price $40.99

Sylvox - Elf S3 Bluetooth 5.3 Waterproof Outdoor Soundbar - Black

Sylvox
Original price $1,061.99 - Original price $1,061.99
Original price
$1,061.99
$1,061.99 - $1,061.99
Current price $1,061.99

¿120W Peak Power Immersive Sound¿High-output performance delivers rich dynamic audio that fills outdoor spaces with clarity and impact.¿2.1 Channe...

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Original price $1,061.99 - Original price $1,061.99
Original price
$1,061.99
$1,061.99 - $1,061.99
Current price $1,061.99

Metra - 1' Male USB 4.0 Type-C to Female USB 4.0 Type-C Extension Cable - Black

Metra Electronics Co
Original price $48.99 - Original price $48.99
Original price
$48.99
$48.99 - $48.99
Current price $48.99

USB 4.0 High-Speed Data TransferDelivers blazing-fast data transfer speeds up to 40Gbps to support the most demanding devices and in-vehicle system...

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Original price $48.99 - Original price $48.99
Original price
$48.99
$48.99 - $48.99
Current price $48.99

Pioneer - 10.1" SPHERA Dolby Atmos via CarPlay Digital Media (DM) Receiver - Black

Pioneer
Original price $1,180.99 - Original price $1,180.99
Original price
$1,180.99
$1,180.99 - $1,180.99
Current price $1,180.99

Bring the Concert to Your Car with Dolby AtmosEnjoy immersive multi-dimensional sound that surrounds you—making every drive feel like a live concer...

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Original price $1,180.99 - Original price $1,180.99
Original price
$1,180.99
$1,180.99 - $1,180.99
Current price $1,180.99

Metra - Backup Camera Retention Harness for Select 2009-2016 Ford and Lincoln Vehicles - Multi

Metra Electronics Co
Original price $24.99 - Original price $24.99
Original price
$24.99
$24.99 - $24.99
Current price $24.99

Compatible with select Ford and Lincoln vehiclesDesigned for use with Ford (2009-2014 Expedition Nav/Radio 2011-2016 Super Duty Nav/Radio 2010-2014...

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Original price $24.99 - Original price $24.99
Original price
$24.99
$24.99 - $24.99
Current price $24.99

Stinger - 4000 Series 8GA Power Amplifier Wiring Kit for Car Audio Systems up to 600W/60A - Red

Stinger
Original price $107.99 - Original price $107.99
Original price
$107.99
$107.99 - $107.99
Current price $107.99

Designed for most vehiclesOffers a customized fit. Supports car audio systems up to 600W or 60A.Tru-Spec oxygen-free copper wiresProvide pure unint...

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Original price $107.99 - Original price $107.99
Original price
$107.99
$107.99 - $107.99
Current price $107.99

Stinger - 4000 Series 1/0GA Power Amplifier Wiring Kit for Car Audio Systems up to 3400W/250A - Red

Stinger
Original price $236.99 - Original price $236.99
Original price
$236.99
$236.99 - $236.99
Current price $236.99

Designed for most vehiclesOffers a customized fit. Supports car audio systems up to 3400W or 250A.Tru-Spec oxygen-free copper wiresProvide pure uni...

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Original price $236.99 - Original price $236.99
Original price
$236.99
$236.99 - $236.99
Current price $236.99

Scosche - 25W Magnetic Wireless Phone Mount for Mobile Phones - Black

Scosche
Original price $53.99 - Original price $53.99
Original price
$53.99
$53.99 - $53.99
Current price $53.99

Qi2.2 Certified Charging Head magnetically connects and now delivers up to 25W of power for fast efficient wireless charging.Two Mounting Options S...

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Original price $53.99 - Original price $53.99
Original price
$53.99
$53.99 - $53.99
Current price $53.99

PAC - AmpPRO Speaker Connection Harness for Select Toyota and Lexus Vehicles - Multi

Pac
Original price $69.99 - Original price $69.99
Original price
$69.99
$69.99 - $69.99
Current price $69.99

Compatible with select Toyota and Lexus vehiclesIncluding 2014-2017 CT 200H 2019-2021 ES 250 2013-2020 ES 300H 2013-2021 ES 350 2013-2020 GS 350 20...

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Original price $69.99 - Original price $69.99
Original price
$69.99
$69.99 - $69.99
Current price $69.99

PAC - AmpPRO Speaker Connection Harness for Select Toyota Vehicles - Multi

Pac
Original price $123.99 - Original price $123.99
Original price
$123.99
$123.99 - $123.99
Current price $123.99

Compatible with select Toyota vehiclesIncluding 2005-2010 Avalon 2007-2011 Camry 2009-2011 Corolla 2008-2013 Highlander 2006-2011 Prius 2006-2011 R...

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Original price $123.99 - Original price $123.99
Original price
$123.99
$123.99 - $123.99
Current price $123.99

Metra - Speaker Harness for Select 2012-2021 Tesla and 2005-2018 Audi Vehicles (2-Pack) - Multi

Metra Electronics Co
Original price $41.99 - Original price $41.99
Original price
$41.99
$41.99 - $41.99
Current price $41.99

Compatible with select 2012-2021 Tesla and 2005-2018 Audi vehicles For a customized fit.Speaker harnessAllows you to easily connect a speaker to yo...

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Original price $41.99 - Original price $41.99
Original price
$41.99
$41.99 - $41.99
Current price $41.99

Stinger - enLIGHT10 Y-Adapter for Dynamic Bluetooth Controller and HEIGH10 Radio - Black

Stinger
Original price $40.99 - Original price $40.99
Original price
$40.99
$40.99 - $40.99
Current price $40.99

Designed for use with Stinger HEIGH10 and enLIGHT10Connect multiple Bluetooth controllers to your existing 10 multimedia display (sold separately)....

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Original price $40.99 - Original price $40.99
Original price
$40.99
$40.99 - $40.99
Current price $40.99

Stinger - 4000 Series 8GA Complete Amplifier Wiring Kit for Car Audio Systems up to 600W/60A - Red

Stinger
Original price $89.99 - Original price $89.99
Original price
$89.99
$89.99 - $89.99
Current price $89.99

Designed for most vehiclesOffers a customized fit. Supports car audio systems up to 600W or 60A.Tru-Spec oxygen-free copper wiresProvide pure unint...

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Original price $89.99 - Original price $89.99
Original price
$89.99
$89.99 - $89.99
Current price $89.99

MB Quart - Tuned 6-1/2" Convertible Car Speakers with Fiber Cones (Pair) - Black

MB Quart
Original price $760.99 - Original price $760.99
Original price
$760.99
$760.99 - $760.99
Current price $760.99

800W STAGE 2 systemTuned speaker system upgrade for Jeep Wrangler (JK) 2007-2018 models.Designed for aftermarket source unitsOptimized for use with...

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Original price $760.99 - Original price $760.99
Original price
$760.99
$760.99 - $760.99
Current price $760.99

Viper - 1-Way Security System with Keyless Entry (Remote Start Not Included) - Installation Included

Voxx Electronics
Original price $302.99 - Original price $302.99
Original price
$302.99
$302.99 - $302.99
Current price $302.99

1-way security system with keyless entryKeep your vehicle safe and lock and unlock from a distance.Two 1-Way remotesSystem control at a range of up...

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Original price $302.99 - Original price $302.99
Original price
$302.99
$302.99 - $302.99
Current price $302.99

Metra - Soundbar Adapter for 2024-Up Jeep Wrangler and Gladiator Vehicles - Black

Metra Electronics Co
Original price $167.99 - Original price $167.99
Original price
$167.99
$167.99 - $167.99
Current price $167.99

Designed for use with 2024 and up Jeep Gladiator JT and Wrangler JLFor a customized fit.6 to 6.75 speaker compatibilitySupports 6 to 6.75 aftermark...

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Original price $167.99 - Original price $167.99
Original price
$167.99
$167.99 - $167.99
Current price $167.99

MB Quart - Tuned 6-1/2" Coaxial Car 4-Speaker Kit with Fiber Cones for Jeep Wrangler JL and Gladiator JT - Black

MB Quart
Original price $898.99 - Original price $898.99
Original price
$898.99
$898.99 - $898.99
Current price $898.99

800W STAGE 4 systemTuned speaker system upgrade for Jeep Wrangler (JL) 2018-current and Jeep Gladiator (JT) 2020-current with aftermarket radio mod...

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Original price $898.99 - Original price $898.99
Original price
$898.99
$898.99 - $898.99
Current price $898.99

PAC - LocPRO Advanced T-Harness for Select Honda Vehicles - Multi

Pac
Original price $80.99 - Original price $80.99
Original price
$80.99
$80.99 - $80.99
Current price $80.99

Compatible with select Honda vehiclesIncluding 2006-2011 Civic 2007-2011 CR-V 2007-2008 Fit and 2008-2010 Odyssey models for a customized fit.Desig...

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Original price $80.99 - Original price $80.99
Original price
$80.99
$80.99 - $80.99
Current price $80.99

Stinger - enLIGHT10 Y-Adapter for Dynamic Bluetooth Controller - Black

Stinger
Original price $43.99 - Original price $43.99
Original price
$43.99
$43.99 - $43.99
Current price $43.99

Designed for use with enLIGHT10 lighting systemsIncluding strip lights rock lights and whip lights.1-input 2-output Y-adapterAllows you to create m...

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Original price $43.99 - Original price $43.99
Original price
$43.99
$43.99 - $43.99
Current price $43.99

Viper - 2-Way 1-Button - Remote Start System Keyless Entry - Installation Included - Black

Voxx Electronics
Original price $538.99 - Original price $538.99
Original price
$538.99
$538.99 - $538.99
Current price $538.99

Two-way confirmationProvides confirmation that your vehicle started successfully.Compatible with most vehiclesThis system can be installed on over ...

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

Kenwood - KAC-835 Class D 5-Channel Power Amplifier - Silver

Kenwood
Original price $443.99 - Original price $443.99
Original price
$443.99
$443.99 - $443.99
Current price $443.99

5-Channel System AmplifierPower your entire audio system; front rear and subwoofer from one amplifier for cleaner wiring and full system control.Br...

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Original price $443.99 - Original price $443.99
Original price
$443.99
$443.99 - $443.99
Current price $443.99

Stinger - 4000 Series 4GA Power Amplifier Wiring Kit for Car Audio Systems up to 1500W/150A - Red

Stinger
Original price $123.99 - Original price $123.99
Original price
$123.99
$123.99 - $123.99
Current price $123.99

Designed for most vehiclesOffers a customized fit. Supports car audio systems up to 1500W or 150A.Tru-Spec oxygen-free copper wiresProvide pure uni...

View full details
Original price $123.99 - Original price $123.99
Original price
$123.99
$123.99 - $123.99
Current price $123.99

Metra - Speaker Harness for Select 1998-2019 BMW and 2006-2023 Mini Vehicles (2-Pack) - Multi

Metra Electronics Co
Original price $41.99 - Original price $41.99
Original price
$41.99
$41.99 - $41.99
Current price $41.99

Compatible with select 1998-2019 BMW and 2006-2023 Mini vehiclesFor a customized fit.Speaker harnessAllows you to easily connect a speaker to your ...

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Original price $41.99 - Original price $41.99
Original price
$41.99
$41.99 - $41.99
Current price $41.99

Metra - Tweeter Speaker Harness for Select 2002-2024 Chrysler Dodge and Jeep Vehicles (2-Pack) - Multi

Metra Electronics Co
Original price $41.99 - Original price $41.99
Original price
$41.99
$41.99 - $41.99
Current price $41.99

Compatible with select 2002-2024 Chrysler Dodge and Jeep vehiclesFor a customized fit.Tweeter speaker harnessConnects OEM speaker wires to aftermar...

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Original price $41.99 - Original price $41.99
Original price
$41.99
$41.99 - $41.99
Current price $41.99

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.