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

Denon - AVR-S570BT (70W X 5) 5.2-Ch. Bluetooth Capable 8K Ultra HD HDR Compatible AV Home Theater Receiver - Black

Denon

Enjoy Movies and Gaming in 8K QualityA successor to the AVR-S540BT the Denon AVR-S570BT AV receiver ensures HD audio playback and an enhanced gamin...

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Original price $435.99 - Original price $435.99
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Original price $234.99 - Original price $234.99
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$234.99
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Sharp - 5-Disc Micro System - Black

Sharp

Micro systemFeatures CD/MP3 changer digital player and radio for a variety of entertainment options.CD-RW CD-R WMA and MP3 playback formatsFor list...

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Original price $234.99 - Original price $234.99
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$234.99
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Original price $365.99 - Original price $365.99
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$365.99
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Current price $365.99

JBL - PartyBox Club 120 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 $365.99 - Original price $365.99
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$365.99
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Current price $365.99
Original price $474.99 - Original price $474.99
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$474.99
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Current price $474.99

Sony - SA-SW3 200W Wireless Subwoofer - Black

Sony

Add deep rich sound to your HT-A9/A7000/A5000/A3000 soundbarThe SA-SW3 subwoofer is designed to pair to HT-A9 Home Theater System and HT-A8000/A900...

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Original price $474.99 - Original price $474.99
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Current price $474.99
Original price $290.99 - Original price $290.99
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$290.99
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Samsung - HW-B650/ZA 3.1 Channel Soundbar with Wireless Subwoofer Dolby 5.1 / DTS VirtualX - Black

Samsung

Dolby Digital 5.1 / DTS VirtualXElevate your favorite content. Dolby Atmos creates realistic 3D sound by projecting it from all around you includin...

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Original price $290.99 - Original price $290.99
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Original price $127.99 - Original price $127.99
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$127.99
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Samsung - HW-C400/ZA 2.0 Channel C-Series Soundbar with Built-in Woofer - Black

Samsung

Built-in SubwooferGo deep and hear more with this soundbar’s all-in-one built-in subwoofer design.One Remote ControlKeep your finger on the pulse. ...

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Original price $127.99 - Original price $127.99
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$127.99
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Original price $474.99 - Original price $474.99
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$474.99
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Samsung - HW-LS60D Music Frame Smart Speaker/Picture Frame Dolby Atmos - Black

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 $230.99 - Original price $230.99
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$230.99
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Samsung - HW-S50B 3.0 Channel S-Series All-in-one Soundbar Dolby 5.1 / DTS VirtualX - Black

Samsung

All-in-oneEverything you need in a single soundbar for holistic sound. The all-in-one system has 2 woofers and 3 tweeters built into its slender fr...

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Original price $230.99 - Original price $230.99
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Original price $1,049.99 - Original price $1,049.99
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Sony - STR-AN1000 7.2 Channel Dolby Atmos Dolby Vision 8K HDR Network A/V Receiver - Black

Sony

Step up your soundWith 165W the STR-AN1000 delivers cinema-like surround sound and crystal-clear music reproduction with powerful amplification.8K ...

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Original price $197.99 - Original price $197.99
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Yamaha NS-IC600 - speaker

Yamaha

Handles up to 110 watts maximum input powerFor robust and controlled audio that is crisp and clear.6-1/2" woofer coneAlong with a 1" fluid-cooled s...

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Original price $197.99 - Original price $197.99
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Original price $218.99 - Original price $218.99
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$218.99
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Sony - Core Series 4" 2-Way Center-Channel Speaker - Black

Sony

145W peak power handlingEnables robust audio.4" cellular-reinforced foamed-mica wooferFeatures an upper surface that offers faithful sound reproduc...

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Original price $218.99 - Original price $218.99
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Original price $681.99 - Original price $681.99
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$681.99
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Denon - AVR-S970H 90W 7 Ch Bluetooth Capable HDR Compatible with HEOS and Dolby Atmos 8K Ultra HD AV Home Theater Receiver - Black

Denon

Unmatched Cinematic ExperienceThe Denon AVR-S970H (90W X 7) delivers immersive surround sound pristine video quality and smooth animations with Dol...

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Original price $681.99 - Original price $681.99
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Original price $185.99 - Original price $185.99
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$185.99
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Cloud Microphones - Cloudlifter 1.0-Ch. Microphone Amplifier - Blue/White

Cloud Microphones

Microphone activatorImproves the performance of dynamic ribbon and tube microphones.Ultraclean gainProvides up to +25dB of gain and optimal impedan...

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Original price $185.99 - Original price $185.99
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Original price $226.99 - Original price $226.99
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$226.99
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JBL - 2.0 Channel All-in-One Soundbar (MK2) - Black

JBL

Deep bassEnhance the drama of a tense thriller feel the roar of your team or sit back with your latest album. The JBL Bar 2.0 All-in-One really is ...

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Original price $226.99 - Original price $226.99
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Original price $221.99 - Original price $221.99
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$221.99
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Yamaha - Natural Sound 6-1/2" 2-Way All-Weather Outdoor Speakers (Pair) - Black

Yamaha

Fully adjustable and wall-mountable (with included brackets)

Original price $221.99 - Original price $221.99
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Original price $221.99 - Original price $221.99
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Yamaha - Natural Sound 6-1/2" 2-Way All-Weather Outdoor Speakers (Pair) - White

Yamaha

2-way speaker system sounds like 1 source rather than several separate sourcesWeather-resistant speaker terminals ensure a safe connectionAluminum ...

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Original price $221.99 - Original price $221.99
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Original price $646.99 - Original price $646.99
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Sony - XP700 Portable Bluetooth Party Speaker with Water Resistance - Black

Sony

Unleash your inner pop starPlug in a microphone or a guitar via the mic/guitar with dual inputs in the rear port. When connecting a guitar the XP70...

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Original price $646.99 - Original price $646.99
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Original price $519.99 - Original price $519.99
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Onkyo - TX-NR5100 80W 7.2-Ch. with Dolby Atmos Home Theater and Gaming AV Receiver with Alexa Compatible - Black

Onkyo

Ultimate 4K/120AB Gaming Experience4K/120AB enables ultra-fast motion UHD images to be crisp and razor-sharp; and sports action movies and high-per...

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Original price $519.99 - Original price $519.99
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Original price $629.99 - Original price $629.99
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Yamaha - RX-V6A 7.2-channel AV Receiver with 8K HDMI and MusicCast - Black

Yamaha

Surround Sound7.2-channel powerful surround sound with Zone 28K4K/60 4K/120AB 8K/60B HDMI 2.1 with HDCP 2.3 and eARC (7-in/1-out).Wireless Streamin...

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Original price $629.99 - Original price $629.99
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Original price $431.99 - Original price $431.99
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Yamaha - RX-V4A 5.2-channel AV Receiver with 8K HDMI and MusicCast - Black

Yamaha

Surround Sound5.2-channel with 80W + 80W amplifier8K4K/60 4K/120AB 8K/60B HDMI 2.1 with HDCP 2.3 and eARC (4-in/1-out).Wireless StreamingWi-Fi AirP...

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Original price $431.99 - Original price $431.99
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Original price $313.99 - Original price $313.99
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$313.99
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Sony - HT-S400 2.1ch Soundbar with powerful wireless Subwoofer - Black

Sony

S-Force PRO Front Surround and Dolby DigitalThe soundbar couples high-quality Dolby Digital with S-Force PRO Front Surround our virtual surround s...

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Original price $313.99 - Original price $313.99
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Original price $461.99 - Original price $461.99
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$461.99
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LG - XBOOM XL7 Portable Tower Party Speaker with Pixel LED - Black

LG

Pixel LED LightingPersonalize your LG XBOOM experience with custom text and visual effects . Choose from a library of animations patterns character...

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Original price $461.99 - Original price $461.99
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Original price $416.99 - Original price $416.99
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$416.99
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Sony - SA-RS3S Wireless Rear Speaker - Black

Sony

Optional wireless rear speakers for Sony HT-A9000/A8000/A3000 SoundbarExperience cinematic surround sound taken to a new level with the SA-RS3S wir...

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Original price $416.99 - Original price $416.99
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Original price $479.99 - Original price $479.99
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Sonos - Sub Mini Dual 6" Wifi Subwoofer - Black

Sonos Inc

Mini makes a big impactDual custom woofers generate deep dynamic low end that makes you feel more immersed in every scene and song.More mesmerizing...

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Original price $479.99 - Original price $479.99
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Current price $479.99
Original price $479.99 - Original price $479.99
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Sonos - Sub Mini Dual 6" Wifi Subwoofer - White

Sonos Inc

Mini makes a big impactDual custom woofers generate deep dynamic low end that makes you feel more immersed in every scene and song.More mesmerizing...

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Original price $479.99 - Original price $479.99
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$479.99
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Original price $68.99 - Original price $68.99
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$68.99
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Insignia - 2.0-Channel Soundbar - Black

Insignia

Improve your home theater systemEnjoy incredible audio and enhance your TV watching movie viewing or music listening experience with 40 W of total ...

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Original price $68.99 - Original price $68.99
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$68.99
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Original price $359.99 - Original price $359.99
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$359.99
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Current price $359.99

Sony - HT-S2000 Compact 3.1ch Dolby Atmos Soundbar - Black

Sony

Immersive surround soundSony technology brings an all-new theater experience home. Our Vertical Surround Engine and S-Force PRO Front Surround in t...

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Original price $359.99 - Original price $359.99
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Original price $566.99 - Original price $566.99
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Sony - HTA3000 3.1 ch Dolby Atmos Soundbar - Black

Sony

Immersive surround sound from our premium soundbarUtilizing a combination of technology such as Vertical Surround Engine S-Force Pro Front Surround...

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Original price $566.99 - Original price $566.99
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Original price $1,049.99 - Original price $1,049.99
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Bose - Smart Ultra Soundbar with Dolby Atmos and Voice Assistant - Black

Bose

Immersion no matter what you’re watching.The Bose Smart Ultra Soundbar is equipped with Dolby Atmos and Bose TrueSpace which separates music dialog...

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Original price $1,049.99 - Original price $1,049.99
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Original price $642.99 - Original price $642.99
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$642.99
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Klipsch - Reference 800 Series Dual 8" 600-Watt Passive 2-Way Floor Standing Speaker (Each) - black

Klipsch

Handles up to 600W peak power (150W continuous)For robust and controlled audio that is crisp and clear.Two 8" spun-copper TCP WoofersUtlizing trick...

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Original price $642.99 - Original price $642.99
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Original price $427.99 - Original price $427.99
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$427.99
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Klipsch - Reference Series Dual 6-1/2" 400-Watt Passive 2-Way Floor Speaker (Each) - black

Klipsch

Handles up to 400W peak power (100W continuous)For robust and controlled audio that is crisp and clear.Two 6-1/2" injection molded graphite (IMG) w...

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Original price $427.99 - Original price $427.99
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$427.99
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Original price $415.99 - Original price $415.99
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$415.99
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Current price $415.99

Klipsch - Next Gen Reference Series Quad 3-1/2" 400-Watt Passive 2-Way Center-Channel Speaker - black

Klipsch

Handles up to 400W peak power (100W continuous)For robust and controlled audio that is crisp and clear.Four 3-1/2" spun copper thermoformed crystal...

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Original price $415.99 - Original price $415.99
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$415.99
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Original price $261.99 - Original price $261.99
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$261.99
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Current price $261.99

Sony - Core Series Dual 5" 3-Way Floorstanding Speaker (Each) - Black

Sony

Handles up to 145W maximum powerFor robust and controlled audio.Dual 5" dual-layer foamed-mica-reinforced cellular woofersFeature an upper surface ...

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Original price $261.99 - Original price $261.99
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$261.99
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Original price $392.99 - Original price $392.99
Original price
$392.99
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Klipsch - Reference 4" 35W 2-Way Powered Speakers (Pair) - Black

Klipsch

Frequency Response60Hz - 20kHzPlays well with othersConnect via Bluetooth for muisc streaming phono (with ground screw terminal) for turntables plu...

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Original price $392.99 - Original price $392.99
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$392.99
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Original price $761.99 - Original price $761.99
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$761.99
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Sony SRS-XV800 - party speaker - for portable use - wireless

Sony

Fill your room with Omnidirectional party soundWith five tweeters between the front and rear the XV800 omnidirectional speaker powers your party an...

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Original price $761.99 - Original price $761.99
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$761.99
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Current price $761.99
Original price $334.99 - Original price $334.99
Original price
$334.99
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Current price $334.99

JBL - BAR 300 5.0ch Compact All-In-One Soundbar with MultiBeam and Dolby Atmos - Black

JBL

Dolby Atmos and MultiBeam Surround SoundImmerse yourself in theater-quality 3D surround sound. Hear extraordinary sound effects from everywhere in ...

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Original price $334.99 - Original price $334.99
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$334.99
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Current price $334.99

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.