Skip to content
Order by December 12 for best chance of Christmas delivery!
Order by December 12 for best chance of Christmas delivery!

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 $215.99 - Original price $215.99
Original price
$215.99
$215.99 - $215.99
Current price $215.99

Victrola - Pair of Solar Charging Bluetooth Outdoor Rock Speakers - Sand

Victrola

Solar chargingOutdoor solar charging rock speakers with 5 Watts of powerful stereo sound and a waterproof level of IPX4.Wireless Bluetooth connecti...

View full details
Original price $215.99 - Original price $215.99
Original price
$215.99
$215.99 - $215.99
Current price $215.99
Original price $920.99 - Original price $920.99
Original price
$920.99
$920.99 - $920.99
Current price $920.99

MB Quart - Can-Am Defender Tuned 10" Single-Voice-Coil 4-Ohm Subwoofer with Integrated 400W Amp - Black

MB Quart

Underseat subwoofer system upgrade for Can-Am Defender 2017-2025 UTVFits perfectly no modifications needed.Two 10" subwoofersProvide rich sound.400...

View full details
Original price $920.99 - Original price $920.99
Original price
$920.99
$920.99 - $920.99
Current price $920.99
Original price $132.99 - Original price $132.99
Original price
$132.99
$132.99 - $132.99
Current price $132.99

Hifonics - ELITE 8" 500W 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...

View full details
Original price $132.99 - Original price $132.99
Original price
$132.99
$132.99 - $132.99
Current price $132.99
Original price $221.99 - Original price $221.99
Original price
$221.99
$221.99 - $221.99
Current price $221.99

MB Quart - Discus 12" 600W 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...

View full details
Original price $221.99 - Original price $221.99
Original price
$221.99
$221.99 - $221.99
Current price $221.99
Original price $187.99 - Original price $187.99
Original price
$187.99
$187.99 - $187.99
Current price $187.99

MB Quart - Discus 10" 600W 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...

View full details
Original price $187.99 - Original price $187.99
Original price
$187.99
$187.99 - $187.99
Current price $187.99
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

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...

View full details
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99
Original price $182.99 - Original price $182.99
Original price
$182.99
$182.99 - $182.99
Current price $182.99

Polk Audio - Monitor XT15 Bookshelf Speaker Pair - Midnight Black

Polk Audio

Compact Bookshelf/Surround Speaker PairFeaturing a 1" Tweeter and a 5.25" Dynamically Balanced Woofer the Monitor XT15 delivers rich clear audio an...

View full details
Original price $182.99 - Original price $182.99
Original price
$182.99
$182.99 - $182.99
Current price $182.99
Original price $846.99 - Original price $846.99
Original price
$846.99
$846.99 - $846.99
Current price $846.99

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...

View full details
Original price $846.99 - Original price $846.99
Original price
$846.99
$846.99 - $846.99
Current price $846.99
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 - Black

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...

View full details
Original price $637.99 - Original price $637.99
Original price
$637.99
$637.99 - $637.99
Current price $637.99
Original price $534.99 - Original price $534.99
Original price
$534.99
$534.99 - $534.99
Current price $534.99

Polk Audio - Polk Reserve Series R300 Compact Center Channel Speaker New 1" Pinnacle Ring Tweeter Dual 5.25" Turbine Cone Woofers - Black

Polk Audio

Modern Compact Center Channel LoudspeakerFeaturing the new 1" Pinnacle Ring Radiator Tweeter and dual 5.25" Turbine Cone Woofers the R300 Center Ch...

View full details
Original price $534.99 - Original price $534.99
Original price
$534.99
$534.99 - $534.99
Current price $534.99
Original price $359.99 - Original price $359.99
Original price
$359.99
$359.99 - $359.99
Current price $359.99

Samsung - SWA-W510/ZA Wireless Subwoofer for S-Series Soundbar - Black

Samsung

Powerful BassDesigned to complement the S-series soundbar the W510 subwoofer brings the sound even deeper. With a passive radiator you can feel dee...

View full details
Original price $359.99 - Original price $359.99
Original price
$359.99
$359.99 - $359.99
Current price $359.99
Original price $131.99 - Original price $131.99
Original price
$131.99
$131.99 - $131.99
Current price $131.99

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...

View full details
Original price $131.99 - Original price $131.99
Original price
$131.99
$131.99 - $131.99
Current price $131.99
Original price $443.99 - Original price $443.99
Original price
$443.99
$443.99 - $443.99
Current price $443.99

MB Quart - Jeep JL Wrangler Tuned 10" Single-Voice-Coil 2-Ohm Subwoofer with Integrated 400W Amp - Black

MB Quart

Designed to directly replace/upgrade the OEM subwoofer of select Jeep vehiclesIncluding Jeep Wrangler (JL) 2018-up models. Uses OEM premium subwoof...

View full details
Original price $443.99 - Original price $443.99
Original price
$443.99
$443.99 - $443.99
Current price $443.99
Original price $256.99 - Original price $256.99
Original price
$256.99
$256.99 - $256.99
Current price $256.99

Yamaha - 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 ...

View full details
Original price $256.99 - Original price $256.99
Original price
$256.99
$256.99 - $256.99
Current price $256.99
Original price $185.99 - Original price $185.99
Original price
$185.99
$185.99 - $185.99
Current price $185.99

Audio-Technica - ATH-M50x Monitor Headphones - Black

Audio-Technica

45mm large-aperture driversAlong with rare earth magnets and copper-clad aluminum wire voice coils ensure rich accurate sound.Circumaural designCon...

View full details
Original price $185.99 - Original price $185.99
Original price
$185.99
$185.99 - $185.99
Current price $185.99
Original price $538.99 - Original price $538.99
Original price
$538.99
$538.99 - $538.99
Current price $538.99

POLK SIGNATURE ELITE

Polk Audio

POLK SIGNATURE ELITE ES10 SUBWOOFER

Original price $538.99 - Original price $538.99
Original price
$538.99
$538.99 - $538.99
Current price $538.99
Original price $485.99 - Original price $485.99
Original price
$485.99
$485.99 - $485.99
Current price $485.99

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...

View full details
Original price $485.99 - Original price $485.99
Original price
$485.99
$485.99 - $485.99
Current price $485.99
Original price $333.99 - Original price $333.99
Original price
$333.99
$333.99 - $333.99
Current price $333.99

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...

View full details
Original price $333.99 - Original price $333.99
Original price
$333.99
$333.99 - $333.99
Current price $333.99
Original price $741.99 - Original price $741.99
Original price
$741.99
$741.99 - $741.99
Current price $741.99

Polk Audio - Polk Reserve Series R500 Floorstanding Tower Speaker New 1" Pinnacle Ring Tweeter Dual 5.25" Turbine Cone Woofers - Black

Polk Audio

Powerful Versatile Floorstanding SpeakerFeaturing the new 1" Pinnacle Ring Radiator Tweeter dual 5.25" Turbine Cone Woofer the technologically adv...

View full details
Original price $741.99 - Original price $741.99
Original price
$741.99
$741.99 - $741.99
Current price $741.99
Original price $820.99 - Original price $820.99
Original price
$820.99
$820.99 - $820.99
Current price $820.99

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

MB Quart

Fits select Jeep vehiclesIncluding Jeep Wrangler (JL) 2018-up models. Uses the interior tailgate panel to mount the subwoofer enclosure and include...

View full details
Original price $820.99 - Original price $820.99
Original price
$820.99
$820.99 - $820.99
Current price $820.99
Original price $696.99 - Original price $696.99
Original price
$696.99
$696.99 - $696.99
Current price $696.99

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...

View full details
Original price $696.99 - Original price $696.99
Original price
$696.99
$696.99 - $696.99
Current price $696.99
Original price $633.99 - Original price $633.99
Original price
$633.99
$633.99 - $633.99
Current price $633.99

Polk Audio - Signature Elite ES60 Hi-Res Tower Speaker - Stunning Black

Polk Audio

High-Performance Tower SpeakerThe Polk Signature Elite ES60 features a Dynamically Balanced Acoustic Array with 2.5-Way Cascading Crossovers a 1 Hi...

View full details
Original price $633.99 - Original price $633.99
Original price
$633.99
$633.99 - $633.99
Current price $633.99
Original price $222.99 - Original price $222.99
Original price
$222.99
$222.99 - $222.99
Current price $222.99

Polk Audio - Monitor XT35 Center Channel Speaker - Midnight Black

Polk Audio

Slim Center Channel SpeakerFeaturing a 1" Tweeter and (4) 3" Dynamically Balanced Woofer the Monitor XT35 delivers rich clear dialogues a smooth mi...

View full details
Original price $222.99 - Original price $222.99
Original price
$222.99
$222.99 - $222.99
Current price $222.99
Original price $146.99 - Original price $146.99
Original price
$146.99
$146.99 - $146.99
Current price $146.99

Polk Audio - Monitor XT90 Tower Speaker Height Module Pair - Midnight Black

Polk Audio

Height Speaker Pair for 3D AudioFeaturing a 4" Dynamically Balanced Woofer the Monitor XT90 enhances special FX and ambience for a dramatic multidi...

View full details
Original price $146.99 - Original price $146.99
Original price
$146.99
$146.99 - $146.99
Current price $146.99
Original price $744.99 - Original price $744.99
Original price
$744.99
$744.99 - $744.99
Current price $744.99

Sonos - Architectural 6-1/2" Passive 2-Way In-Ceiling Speakers (Pair) - White

Sonos Inc

All Around SoundOptimized for Sonos Amp these in-ceiling speakers offer crystal clear sound custom tuned with Trueplay for comfortable ambient list...

View full details
Original price $744.99 - Original price $744.99
Original price
$744.99
$744.99 - $744.99
Current price $744.99
Original price $242.99 - Original price $242.99
Original price
$242.99
$242.99 - $242.99
Current price $242.99

SAMSUNG B-Series 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...

View full details
Original price $242.99 - Original price $242.99
Original price
$242.99
$242.99 - $242.99
Current price $242.99
Original price $230.99 - Original price $230.99
Original price
$230.99
$230.99 - $230.99
Current price $230.99

ENTRY LEVEL 2.1CH

Samsung

ENTRY LEVEL 2.1CH

Original price $230.99 - Original price $230.99
Original price
$230.99
$230.99 - $230.99
Current price $230.99
Original price $194.99 - Original price $194.99
Original price
$194.99
$194.99 - $194.99
Current price $194.99

SAMSUNG Wireless Rear Speaker Kit - Black

Samsung

Wireless SolutionEnjoy surround sound that doesn't clutter your room. The wireless rear speakers connect to your soundbar without the need for sepa...

View full details
Original price $194.99 - Original price $194.99
Original price
$194.99
$194.99 - $194.99
Current price $194.99
Original price $445.99 - Original price $445.99
Original price
$445.99
$445.99 - $445.99
Current price $445.99

SONOS Sub Mini Wireless 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...

View full details
Original price $445.99 - Original price $445.99
Original price
$445.99
$445.99 - $445.99
Current price $445.99
Original price $451.99 - Original price $451.99
Original price
$451.99
$451.99 - $451.99
Current price $451.99

SONOS Sub Mini Wireless 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...

View full details
Original price $451.99 - Original price $451.99
Original price
$451.99
$451.99 - $451.99
Current price $451.99
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

Samsung - HW-S800D 3.1.2 Channel Q-Series Ultra Slim 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.Q SymphonyPair a Samsung TV with a...

View full details
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99
Original price $103.99 - Original price $103.99
Original price
$103.99
$103.99 - $103.99
Current price $103.99

Victrola - Willow 3W Bluetooth Radio with Speakers - Natural

Victrola

Analog AM/FM RadioAnalog AM/FM radio with traditional bass and treble controls.Wireless Bluetooth ConnectivityWireless Bluetooth connectivity lets ...

View full details
Original price $103.99 - Original price $103.99
Original price
$103.99
$103.99 - $103.99
Current price $103.99
Original price $416.99 - Original price $416.99
Original price
$416.99
$416.99 - $416.99
Current price $416.99

SAMSUNG B-series 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...

View full details
Original price $416.99 - Original price $416.99
Original price
$416.99
$416.99 - $416.99
Current price $416.99
Original price $589.99 - Original price $589.99
Original price
$589.99
$589.99 - $589.99
Current price $589.99

SAMSUNG Q-series 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...

View full details
Original price $589.99 - Original price $589.99
Original price
$589.99
$589.99 - $589.99
Current price $589.99
Original price $544.99 - Original price $544.99
Original price
$544.99
$544.99 - $544.99
Current price $544.99

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...

View full details
Original price $544.99 - Original price $544.99
Original price
$544.99
$544.99 - $544.99
Current price $544.99
Original price $863.99 - Original price $863.99
Original price
$863.99
$863.99 - $863.99
Current price $863.99

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...

View full details
Original price $863.99 - Original price $863.99
Original price
$863.99
$863.99 - $863.99
Current price $863.99

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.