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  • Original price $517.99 - Original price $517.99
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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 $517.99 - Original price $517.99
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  • Original price $406.99 - Original price $406.99
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    Sonos - Era 300 Speaker (Each) - Black

    Sonos Inc

    Take your spatial audio experience above and beyondFeaturing six optimally positioned drivers all around the front sides and top to support Dolby A...

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    Original price $406.99 - Original price $406.99
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    Sonos - Era 300 Speaker (Each) - White

    Sonos Inc

    Take your spatial audio experience above and beyondFeaturing six optimally positioned drivers all around the front sides and top to support Dolby A...

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    Original price $406.99 - Original price $406.99
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  • Original price $628.99 - Original price $628.99
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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 $628.99 - Original price $628.99
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  • Original price $378.99 - Original price $378.99
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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 $378.99 - Original price $378.99
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  • Original price $243.99 - Original price $243.99
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    Sonos - Era 100 Speaker (Each) - Black

    Sonos Inc

    Superb sonic powerNext-gen acoustics bring your music to life with detailed stereo separation and deep bass at any volume.Minor scale for major ver...

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    Original price $243.99 - Original price $243.99
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    Sonos - Era 100 Speaker (Each) - White

    Sonos Inc

    Superb sonic powerNext-gen acoustics bring your music to life with detailed stereo separation and deep bass at any volume.Minor scale for major ver...

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    Original price $243.99 - Original price $243.99
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  • Original price $729.99 - Original price $729.99
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    Sony - STR-AN1000 7.2 Channel Dolby Atomos 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 $729.99 - Original price $729.99
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  • Original price $359.99 - Original price $359.99
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    Samsung - 2.0.2-Channel Wireless Rear Speaker Kit with Dolby Atmos/DTSX - Black

    Samsung

    Simple space-saving setupSync up to a surround sound experience that doesn't clutter your space. Link the wireless SWA-9500S Rear Speaker Kit to yo...

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    Original price $359.99 - Original price $359.99
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  • Original price $230.99 - Original price $230.99
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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 $230.99 - Original price $230.99
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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 Systems

    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 $445.99 - Original price $445.99
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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 $445.99 - Original price $445.99
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  • Original price $359.99 - Original price $359.99
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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 $359.99 - Original price $359.99
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  • Original price $163.99 - Original price $163.99
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    Insignia - 25W Bluetooth Bookshelf Speakers (Pair) - Black

    Insignia

    Near Field Communication (NFC) and Bluetooth technologyOffers easy connectivity to your compatible device.Side panel dialsEffortlessly adjust the b...

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    Original price $163.99 - Original price $163.99
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  • Original price $388.99 - Original price $388.99
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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 $388.99 - Original price $388.99
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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 $388.99 - Original price $388.99
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  • Original price $703.99 - Original price $703.99
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    Sonos - Sub (Gen 3) Wireless Subwoofer - White

    Sonos Inc

    Lower lows and higher highsSonos Sub takes over the lowest frequencies enhancing the midrange playback from paired speakers so you experience fulle...

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    Original price $703.99 - Original price $703.99
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  • Original price $849.99 - Original price $849.99
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    LG - Soundbar C with Wireless Subwoofer Dolby Atmos DTSX IMAX Enhanced - Black

    LG

    LG OLED Synergy Bracket (Compatible with 55 65 and 77 OLED evo C2 C3 models)Delivered in a sleek design the LG OLED Synergy Bracket can be used as...

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    Original price $849.99 - Original price $849.99
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  • Original price $209.99 - Original price $209.99
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    Sonos - Ray Soundbar with Wi-Fi - White

    Sonos Inc

    Jam-packed with powerExperience astonishing clarity and fullness from a small standalone soundbar that balances two high-performing tweeters and a ...

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    Original price $209.99 - Original price $209.99
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    Sonos - Ray Soundbar with Wi-Fi - Black

    Sonos Inc

    Jam-packed with powerExperience astonishing clarity and fullness from a small standalone soundbar that balances two high-performing tweeters and a ...

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    Original price $209.99 - Original price $209.99
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    $209.99
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  • Original price $59.99 - Original price $59.99
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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 $59.99 - Original price $59.99
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  • Original price $359.99 - Original price $359.99
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    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 $819.99 - Original price $819.99
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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 $819.99 - Original price $819.99
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  • Original price $768.99 - Original price $768.99
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    Sonos - Arc Soundbar with Dolby Atmos Google Assistant and Amazon Alexa - White

    Sonos Inc

    Immerse yourself in the musicStream music radio podcasts and more from your favorite services with the Sonos app or Apple AirPlay 2 when the TV is ...

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    Original price $768.99 - Original price $768.99
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    Sonos - Arc Soundbar with Dolby Atmos Google Assistant and Amazon Alexa - Black

    Sonos Inc

    Immerse yourself in the musicStream music radio podcasts and more from your favorite services with the Sonos app or Apple AirPlay 2 when the TV is ...

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    Original price $768.99 - Original price $768.99
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    $768.99
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  • Original price $417.99 - Original price $417.99
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    Sonos - Beam (Gen 2) - Black

    Sonos Inc

    High Quality even at low volumesAdvanced audio processing ensures balanced sound from wall to wall at any volume level. When you want to watch TV b...

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    Original price $417.99 - Original price $417.99
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    Sonos - Beam (Gen 2) - White

    Sonos Inc

    High Quality even at low volumesAdvanced audio processing ensures balanced sound from wall to wall at any volume level. When you want to watch TV b...

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    Original price $417.99 - Original price $417.99
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    $417.99
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  • Original price $229.99 - Original price $229.99
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    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...

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    Original price $229.99 - Original price $229.99
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  • Original price $642.99 - Original price $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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    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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  • Original price $415.99 - Original price $415.99
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    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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  • Original price $207.99 - Original price $207.99
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    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 $207.99 - Original price $207.99
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  • Original price $473.99 - Original price $473.99
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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 $473.99 - Original price $473.99
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  • Original price $839.99 - Original price $839.99
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    Sony - XV900 X-Series BLUETOOTH Party Speaker - Black

    Sony

    Fill your room with Omnidirectional party soundWith Omnidirectional party sound feel the groove in every corner with six tweeters around the front ...

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    Original price $839.99 - Original price $839.99
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  • Original price $589.99 - Original price $589.99
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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 $589.99 - Original price $589.99
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    $589.99
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    Current price $589.99

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.