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Audio

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 $462.99 - Original price $462.99
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$462.99
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Current price $462.99

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 $462.99 - Original price $462.99
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Current price $462.99
Original price $742.99 - Original price $742.99
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$742.99
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LG - 3.1.3 Channel SC9S Soundbar with Wireless Subwoofer Dolby Atmos WOW Orchestra - Black

LG

WOW InterfaceNow convenience is in your hand. Control your soundbar and your LG TV with one remote179;. Adjust the volume and audio settings check ...

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Original price $742.99 - Original price $742.99
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Original price $969.99 - Original price $969.99
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$969.99
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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 $969.99 - Original price $969.99
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Original price $827.99 - Original price $827.99
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Sonos - Sub 4 Wireless Subwoofer - White

Sonos Inc

Pulse-pounding bassDual Sonos-engineered drivers generate deep dynamic low frequencies. The ported enclosure enhances the bass response so you feel...

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Original price $827.99 - Original price $827.99
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Original price $661.99 - Original price $661.99
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LG - 5.1.3-Channel S90TY Soundbar with Wireless Subwoofer Dolby Atmos WOW Orchestra - Black

LG

Sound that Wraps Around YouGive yourself the home audio setup you’ve always dreamed about with rich immersive sound exceptional clarity and intense...

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Original price $661.99 - Original price $661.99
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Original price $127.99 - Original price $127.99
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$127.99
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LG - 2.0-Channel S20A Soundbar with Built-in Woofer DTS Digital Surround Bluetooth Connectivity - Black

LG

Small in Size Big on BassUpgrade your TV sound with an all-in-one soundbar featuring enhanced LG TV connectivity. Step up your TV sound with a pass...

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Original price $127.99 - Original price $127.99
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Original price $974.99 - Original price $974.99
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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 $974.99 - Original price $974.99
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Original price $876.99 - Original price $876.99
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$876.99
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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 $876.99 - Original price $876.99
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Original price $755.99 - Original price $755.99
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TCL - Q85H Q Class 7.1.4 Channel Sound Bar with Dolby Atmos Wireless Subwoofer and Wireless Surround Speakers - Black

TCL

7.1.4 Channel Q Class Sound BarFill your room with sound bringing the movie theater experience into your home with just a single HDMI cable. It’s h...

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Original price $755.99 - Original price $755.99
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Original price $635.99 - Original price $635.99
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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 $635.99 - Original price $635.99
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Original price $405.99 - Original price $405.99
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Polk Audio - Atrium 6 Outdoor All-Weather Speakers with Bass Reflex Enclosure Speed-Lock Mounting System (Pair) - Black

Polk Audio

Exceptional Sound Indoors OutdoorsGet room-filling high-quality audio whether you set up the Atrium 6 by a pool in the patio the sunroom or office...

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Original price $405.99 - Original price $405.99
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Original price $299.99 - Original price $299.99
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Owl Labs - Expansion Mic - Charcoal

Owl Lab

Extended Audio RangeExtends the audio pick-up range of the Meeting Owl 3 from 18ft to 26ft in the direction of the mic to ensure that the Meeting O...

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Original price $299.99 - Original price $299.99
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Original price $743.99 - Original price $743.99
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Polk Audio - Signature Elite Series 10 200W Powered Subwoofer - Black

Polk Audio

Balanced Bass for Midsize RoomsThe Polk Audio Signature Elite ES10 Subwoofer with its high-excursion 10 woofer is designed to enhance your medium t...

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Original price $743.99 - Original price $743.99
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Original price $704.99 - Original price $704.99
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Samsung - Q-series HW-Q600F ATMOS 3.1.2 Ch Soundbar with Subwoofer - Titan Black

Samsung

True 3.1.2 Ch SoundLet the sound wash over you and dive into vivid soundscapes with theater like sound that fills the room. Bring your favorite con...

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Original price $704.99 - Original price $704.99
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Original price $531.99 - Original price $531.99
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Samsung - B-series HW-B750F 5.1 Ch DTS VirtualX Soundbar with Subwoofer - Black

Samsung

5.1 Ch SoundPut yourself in the heart of the action and get lost in immersive sound. With five front and side firing channels and a wireless subwoo...

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Original price $531.99 - Original price $531.99
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Original price $242.99 - Original price $242.99
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Samsung - B-Series HW-B550F 2.1Ch DTS VirtualX Soundbar with Subwoofer - Titan Black

Samsung

2.1 Ch SoundHear every beat rumble and roar with deep and rich bass that fills any space. With the included wireless subwoofer you'll experience po...

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Original price $242.99 - Original price $242.99
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Original price $701.99 - Original price $701.99
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JBL - Party Box 710 Portable Party Speaker - 2024 - 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 $701.99 - Original price $701.99
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Original price $819.99 - Original price $819.99
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Samsung - HW-S801D 3.1.2 Channel Q-Series Ultra Slim Soundbar with Wireless Subwoofer Dolby Atmos and Q-Symphony - White

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 $819.99 - Original price $819.99
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Original price $416.99 - Original price $416.99
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Samsung - HW-S60D 5.0 Channel S-Series All-in-one Soundbar Dolby Atmos and Q-Symphony - Black

Samsung

All In One DesignUnlock audio all around you with this compact soundbar’s powerful 5 channel sound with built in woofers.Q SymphonyPair a Samsung T...

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Original price $416.99 - Original price $416.99
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Original price $741.99 - Original price $741.99
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Polk Audio - Polk Reserve R100 Bookshelf Speaker 1" Pinnacle Ring Tweeter 5.25" Turbine Cone Woofer (Pair) - Black

Polk Audio

Solid Versatile Bookshelf LoudspeakerFeaturing the new 1" Pinnacle Ring Radiator Tweeter a 5.25" Turbine Cone Woofer the technologically advanced ...

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Original price $741.99 - Original price $741.99
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Original price $689.99 - Original price $689.99
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Polk Audio - Polk Reserve R350 Left/Right/Center Surround Speaker New 1" Pinnacle Ring Tweeter Four 4" Turbine Cone Woofers - Black

Polk Audio

Modern Slim Center Channel SpeakerFeaturing the new 1" Pinnacle Ring Radiator Tweeter four 4" Turbine Cone Woofer the technologically advanced Pol...

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Original price $689.99 - Original price $689.99
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Original price $949.99 - Original price $949.99
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Polk Audio - Polk Reserve Series R600 Floorstanding Tower Speaker New 1" Pinnacle Ring Tweeter Dual 6.5" Turbine Cone Woofers - Black

Polk Audio

Powerful Versatile Floorstanding SpeakerFeaturing a 1" Pinnacle Ring Radiator Tweeter dual 6.5" Turbine Cone Woofer the technologically advanced P...

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Original price $949.99 - Original price $949.99
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Original price $474.99 - Original price $474.99
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Samsung - HW-S700D 3.1 Channel S-Series Soundbar with Wireless Subwoofer Dolby Atmos and Q-Symphony - Titan Black

Samsung

Ultra Slim DesignOur unbelievably sleek low profile soundbar delivers high quality audio in a super slim package giving you exceptional sound while...

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Original price $474.99 - Original price $474.99
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Original price $215.99 - Original price $215.99
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$215.99
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Yamaha - R-S202BL 200W 2-Ch. Stereo Receiver - Black

Yamaha

200W total powerRMS Rating of 100W x 2 8 ohms 40Hz - 20kHz 0.2 THD for robust audio.Speaker A/B switchingLets you easily switch between 2 sets of ...

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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 $1,049.99 - Original price $1,049.99
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Bose - Bass Module 700 Wireless Subwoofer - Black

Bose

Bose Bass Module 700 wireless home theater subwooferThis wireless compact subwoofer is designed to be paired with the Bose soundbars to bring music...

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Original price $1,049.99 - Original price $1,049.99
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Original price $373.99 - Original price $373.99
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$373.99
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Yamaha - RX-V385BL 5.1-Ch. 4K Ultra HD A/V Home Theater Receiver - Black

Yamaha

4K Ultra HD video technologyAllows high-quality 4K video through the receiver straight to your media device.145W RMS powerFor powerful sound.Surrou...

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Original price $373.99 - Original price $373.99
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Original price $530.99 - Original price $530.99
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Polk Audio - Atrium6 5-1/4" Outdoor Speakers (Pair) - White

Polk Audio

5-1/4" long-throw aerated polypropylene cone driverWith butyl rubber surrounds pumps out surprising bass response from a compact design.1" anodized...

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Original price $530.99 - Original price $530.99
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Original price $173.99 - Original price $173.99
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$173.99
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Yamaha - 6-1/2" 2-Way In-Ceiling Speakers (Pair) - White

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 $173.99 - Original price $173.99
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Original price $177.99 - Original price $177.99
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$177.99
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Current price $177.99

Hifonics - ELITE 12" 600W Dual-Voice Subwoofer - Blue

Hifonics

Secure Stainless Push Insert TerminalsFor a high-end connection with corrosion-resistant nickel-plated design for easier installation.Compact roun...

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Original price $177.99 - Original price $177.99
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Original price $317.99 - Original price $317.99
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$317.99
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Polk Audio - Monitor XT70 Tower Speaker - Midnight Black

Polk Audio

High Performance Tower SpeakerFeaturing a 1" Tweeter a 6.5" Dynamically Balanced Woofer and (2) 6.5" Passive Radiators the Monitor XT70 offers smoo...

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Original price $317.99 - Original price $317.99
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Original price $284.99 - Original price $284.99
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$284.99
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Current price $284.99

JBL LCT 81C/T - speaker

JBL Professional

JBL LCT 81C/T - Speaker - 40 Watt (grille color - white)

Original price $284.99 - Original price $284.99
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$284.99
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Original price $299.99 - Original price $299.99
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$299.99
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Current price $299.99

Owl Labs Universal Expansion Mic for Meeting Owl 3 and 4+ (Charcoal) - Charcoal

Owl Lab

EXTENDED AUDIO RANGEExtends the audio pick-up range of the Meeting Owl 3 from 18ft to 26ft in the direction of the mic to ensure that the Meeting O...

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Original price $299.99 - Original price $299.99
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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

MB Quart - Discus 8" 500W Dual-Voice Subwoofer - Red

MB Quart

Secure Stainless Push Insert TerminalsFor a high-end connection with corrosion-resistant nickel-plated design for easier installation.Compact roun...

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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 $637.99 - Original price $637.99
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$637.99
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Current price $637.99

Polk Audio - Polk Reserve R900 Height Module Speaker for 3D Immersive Sound 1" Pinnacle Ring Tweeter 4" Turbine Cone Woofer - White

Polk Audio

Height Module for Multidimensional SoundFeaturing the new 1" Pinnacle Ring Radiator Tweeter and a 4" Turbine Cone Woofers the R900 Height Module de...

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Original price $637.99 - Original price $637.99
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$637.99
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Current price $637.99
Original price $1,396.99 - Original price $1,396.99
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$1,396.99
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Current price $1,396.99

Polk Audio - Polk Reserve R700 Tower Speaker 1" Pinnacle Ring Tweeter Dual 6.5" Turbine Cone Woofers Dual 8" Long-Throw Drivers - Brown

Polk Audio

Powerful Premium Stereo Floorstanding SpeakerFeaturing the new 1" Pinnacle Ring Radiator Tweeter dual 6.5" Turbine Cone Woofer the technologically...

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Original price $1,396.99 - Original price $1,396.99
Original price
$1,396.99
$1,396.99 - $1,396.99
Current price $1,396.99
Original price $637.99 - Original price $637.99
Original price
$637.99
$637.99 - $637.99
Current price $637.99

Polk Audio - Polk Reserve R900 Height Module Speaker for 3D Immersive Sound 1" Pinnacle Ring Tweeter 4" Turbine Cone Woofer - Brown

Polk Audio

Height Module for Multidimensional SoundFeaturing the new 1" Pinnacle Ring Radiator Tweeter and a 4" Turbine Cone Woofers the R900 Height Module de...

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Original price $637.99 - Original price $637.99
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$637.99
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Current price $637.99

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.