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Rent To Own Components – Upgrade Your Tech with Easy Financing

Enhance your system with top-quality components from Finance My Cart. From graphics cards and motherboards to CPUs and memory, we offer premium parts from leading brands like ASUS, Intel, NVIDIA, and more. With our rent-to-own and lease-to-own payment plans, you can upgrade your tech without the upfront cost. Enjoy affordable monthly payments and free shipping while building the perfect setup!

Original price $595.99 - Original price $595.99
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Current price $595.99

Samsung HW-QS730D - sound bar system - wireless

Samsung

Samsung HW-QS730D - Q Series - sound bar system - 3.1.2-channel - wireless - Wi-Fi Bluetooth - 320 Watt (total) - titan black

Original price $595.99 - Original price $595.99
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$595.99
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Current price $595.99
Original price $1,089.99 - Original price $1,089.99
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Current price $1,089.99

Sonos - Arc Ultra Soundbar - Black

Sonos Inc

Arc Ultra brings your entertainment to life like no other soundbar. Experience unprecedentedly clear deep and balanced sound that precisely surroun...

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Original price $1,089.99 - Original price $1,089.99
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$1,089.99
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Current price $1,089.99
Original price $631.99 - Original price $631.99
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$631.99
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Current price $631.99

JBL - PartyBox Stage 320 Portable Wireless Party Speaker - Black

JBL

With the JBL PartyBox Stage 320 you can get the party started anytime anywhere. Transform any space inside or outdoors into a dance floor. Powerful...

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Original price $631.99 - Original price $631.99
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$631.99
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Current price $631.99
Original price $278.99 - Original price $278.99
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$278.99
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Current price $278.99

Bose - TV Speaker Bluetooth Soundbar - Black

Bose

The Bose TV Speaker is a small soundbar that clarifies speech and improves overall TV sound. Inside there are two full-range drivers angled to deli...

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Original price $278.99 - Original price $278.99
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$278.99
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Current price $278.99
Original price $87.99 - Original price $87.99
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$87.99
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Current price $87.99

Govee - Aura Smart Table Lamp - Multi

Govee

This smart bedside lamp is your solution to a brighter life. Like unwinding after a long day Choose from 20 mood-boosting light effects or customiz...

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Original price $87.99 - Original price $87.99
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$87.99
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Current price $87.99
Original price $77.99 - Original price $77.99
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$77.99
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Current price $77.99

Thermaltake - SMART 700W ATX 80 Plus Power Supply - Black

Thermal Take

Power up gaming desktops with this Thermaltake Smart power supply. A continuous 700W power output keeps demanding computer setups energized while t...

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Original price $77.99 - Original price $77.99
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$77.99
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Current price $77.99
Original price $1,089.99 - Original price $1,089.99
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$1,089.99
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Current price $1,089.99

Sonos - Arc Ultra Soundbar - White

Sonos Inc

Arc Ultra brings your entertainment to life like no other soundbar. Experience unprecedentedly clear deep and balanced sound that precisely surroun...

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Original price $1,089.99 - Original price $1,089.99
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$1,089.99
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Current price $1,089.99
Original price $562.99 - Original price $562.99
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$562.99
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Current price $562.99

Onkyo TX-NR696 7.2-Ch. with Dolby Atmos 4K Ultra HD HDR Compatible A/V Home Theater Receiver - Black

Onkyo

Immerse yourself to an exciting sound experience with this Onkyo 7.2-channel network A/V receiver. The DTS Play-Fi feature is compatible with any a...

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Original price $562.99 - Original price $562.99
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Original price $318.99 - Original price $318.99
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$318.99
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Current price $318.99

Google - Nest Learning Thermostat (4th gen) with Nest Temperature Sensor (2nd gen) - Polished Gold

GOOGLE

Meet the next-gen Nest Learning Thermostat. It’s a brilliant way to save energy and keep your home comfortable. It learns the temperatures you like...

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Original price $318.99 - Original price $318.99
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$318.99
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Original price $194.99 - Original price $194.99
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$194.99
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Current price $194.99

Samsung - SWA-9200S/ZA 2.0 Channel Wireless Rear Speaker Kit - Black

Samsung

Connect easily and wirelessly to Samsung speakers for room-filling sound.

Original price $194.99 - Original price $194.99
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Current price $194.99
Original price $576.99 - Original price $576.99
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$576.99
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Current price $576.99

LG - 3.1.3 Channel SC9S Soundbar with Wireless Subwoofer Dolby Atmos DTSX and WOW Orchestra - Black

LG

Meet the perfect match for LG OLED evo C Series TVs. Level up to the most immersive listening experience. The LG Sound Bar C features triple up-fir...

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Original price $576.99 - Original price $576.99
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Original price $284.99 - Original price $284.99
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$284.99
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Govee - AI Gaming TV Sync Box Kit for 55-65 inch TVs - Multi

Govee

Immerse in Next-Gen entertainment. Elevate your gaming setup with Govee AI Gaming TV Sync Box Kit 2 now equipped with HDMI 2.1 for seamless 8K vis...

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Original price $284.99 - Original price $284.99
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Current price $284.99
Original price $440.99 - Original price $440.99
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$440.99
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Current price $440.99

Polk Audio - Signa S4 3.1.2 Ch Ultra-Slim TV Sound Bar with Dolby Atmos and VoiceAdjust - Black

Polk Audio

The low-profile Signa S4 certified with Dolby Atmos 3.1.2 sound bar comes with a 5.9" wireless subwoofer that delivers powerful crystal-clear cinem...

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Original price $440.99 - Original price $440.99
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Current price $440.99
Original price $541.99 - Original price $541.99
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Current price $541.99

JBL - PartyBox 310 Portable Party Speaker - Black

JBL

Huge sound dazzling lights and unbelievable power set this speaker apart from the crowd. The JBL PartyBox 310 packs a full party into a transportab...

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Original price $541.99 - Original price $541.99
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Original price $34.99 - Original price $34.99
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$34.99
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Current price $34.99

GE - Cync A19 Smart LED Bulb (2 Pack) Matter Compatible - Color Changing - Full Color

GE

The GE Cync Smart Bulb Color Changing Indoor LED Lights that are Matter compatible make it easy to enhance your room light or to celebrate the holi...

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Original price $34.99 - Original price $34.99
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Current price $34.99
Original price $139.99 - Original price $139.99
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$139.99
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Current price $139.99

Govee - Smart Recessed Downlight 6inch-4pk - Multi

Govee

Create a fun and relaxing ambiance with this set of RGBWW recessed lights. Brighten up your space and control the lights without lifting a finger.

Original price $139.99 - Original price $139.99
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Original price $58.99 - Original price $58.99
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Cync - A19 Smart LED Light Bulbs (4 Pack) - Color Changing - Full Color

C by GE

The GE Cync Smart Bulb Color Changing Lights make it easy to enhance your room light or to celebrate the holidays. Use millions of colors to decora...

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Original price $58.99 - Original price $58.99
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Original price $182.99 - Original price $182.99
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Fractal Design - North Charcoal Black Chassis with Walnut Front and Dark Tinted TG Side Panel Mid-Tower PC Case - Black

Fractal Design

North reimagines the gaming PC introducing natural materials and bespoke details to make gaming a stylish addition to the living space. Fusing desi...

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Original price $182.99 - Original price $182.99
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Original price $41.99 - Original price $41.99
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$41.99
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Cync A19 Smart LED Light Bulbs (2 Pack) - Color Changing - Full Color

C by GE

The GE Cync Smart Bulb Color Changing Lights make it easy to enhance your room light or to celebrate the holidays. Use millions of colors to decora...

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Original price $41.99 - Original price $41.99
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Current price $41.99
Original price $244.99 - Original price $244.99
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$244.99
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Current price $244.99

Honeywell Home - T9 Smart Programmable Touch-Screen

Honeywell

Adjust the temperature of almost any room in your home with just a few simple taps on your smartphone with this Honeywell Home T9 smart thermostat ...

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Original price $244.99 - Original price $244.99
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Original price $251.99 - Original price $251.99
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$251.99
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MSI - B850 GAMING PLUS WIFI (Socket AM5) AMD B850 ATX DDR5 Wi-Fi 7 Motherboard - Black

MSI

The B850 GAMING PLUS WIFI is crafted to offer extensive connectivity versatile tools and a premium Wi-Fi solution for gamers seeking a comprehensiv...

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Original price $251.99 - Original price $251.99
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Original price $312.99 - Original price $312.99
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Current price $312.99

MSI - X870 GAMING PLUS WIFI (Socket AM5) AMD X870 ATX DDR5 Wi-Fi 7 Motherboard - Black

MSI

X870 GAMING PLUS WIFI is designed with durable components to provide great gaming experience.

Original price $312.99 - Original price $312.99
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Current price $312.99
Original price $236.99 - Original price $236.99
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$236.99
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Current price $236.99

Nanoleaf - Blocks Combo XL Smarter Kit - Smart LED Wall Light Panels - Multicolor

Nanoleaf

Build your lighting display YOUR way with Nanoleaf Blocks Create your one-of-a-kind illuminated display with different panel styles and add-ons. Cu...

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Original price $236.99 - Original price $236.99
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Original price $140.99 - Original price $140.99
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MSI - MAG A850GL PCIE5 850W ATX 3.1 PCIe 5.1 Ready Full Modular 80 Plus Gold Gaming Power Supply - Black

MSI

The MAG A850GL PCIE 5 power supply overflows with potency a hallmark of the MAG series that aligns with gamers' pursuit of excellence. Infused wit...

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Original price $140.99 - Original price $140.99
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Original price $446.99 - Original price $446.99
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VIZIO - Elevate SE 5.1.2 Soundbar Wireless Subwoofer Surround Sound w/ Dolby Atmos and DTSX - Black

Vizio

Reach the summit of 360-degree sound powered with Dolby Atmos through two auto-rotating speakers. Combined with two surround speakers and a wireles...

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Original price $446.99 - Original price $446.99
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$446.99
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Current price $446.99
Original price $234.99 - Original price $234.99
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Current price $234.99

GIGABYTE - NVIDIA GeForce RTX 3050 WINDFORCE OC V2 6GB GDDR6 PCI Express 4.0 Graphics Card - Black

GIGABYTE

Get the ultimate gaming performance with GIGABYTE RTX 3050 Graphics Cards. Powered by NVIDIA's 2nd gen RTX architecture and refined with WINDFORCE ...

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Original price $234.99 - Original price $234.99
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Original price $337.99 - Original price $337.99
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Govee - Wi-Fi RGBIC Outdoor Permanent String Lights 100ft - White

Govee

Adorn your home with a set of decorative permanent outdoor lights designed for any occasion. The festive RGBIC lighting effects are inspired by nat...

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Original price $337.99 - Original price $337.99
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$337.99
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Current price $337.99
Original price $394.99 - Original price $394.99
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$394.99
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Current price $394.99

Philips - Hue Play HDMI Sync Box 8K - Black

Philips

The Hue Play HDMI sync box 8K adds premium surround lighting to your home theater by syncing your Hue smart lights with video games movies and musi...

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Original price $394.99 - Original price $394.99
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$394.99
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Current price $394.99
Original price $162.99 - Original price $162.99
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$162.99
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Current price $162.99

VIZIO - 2.1 Soundbar Wireless Subwoofer w/ Dolby Atmos DTSX - Black

Vizio

Experience the thrill of Dolby Atmos DTSX sensational audio with a low-profile soundbar and wireless subwoofer that deliver driving sound to your ...

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Original price $162.99 - Original price $162.99
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$162.99
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Current price $162.99
Original price $242.99 - Original price $242.99
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$242.99
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Current price $242.99

VIZIO - 5.1 Soundbar Wireless Subwoofer Surround Sound w/ Dolby Atmos and DTSX - Black

Vizio

Experience immersive sound all around with Dolby Atmos 3D audio a wireless subwoofer and two surround speakers that deliver true 360-degree immersi...

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Original price $242.99 - Original price $242.99
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Current price $242.99
Original price $92.99 - Original price $92.99
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$92.99
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Current price $92.99

Nanoleaf - Essentials Matter Smart Multicolor HD Lightstrip 16.4ft (5m) - Flexible and Trimmable - White and Colors

Nanoleaf

Add a brilliant blend of color to your space with this smart HD Matter-enabled Multicolor LED Lightstrip. Create stunning backlit illumination with...

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Original price $92.99 - Original price $92.99
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$92.99
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Current price $92.99
Original price $308.99 - Original price $308.99
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$308.99
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Current price $308.99

VIZIO - MicMe 2.1 Karaoke Soundbar 2 Wireless Mics Wireless Subwoofer w/ Dolby Atmos - White

Vizio

Home entertainment takes center stage when integrating a quality 2.1 soundbar with karaoke technology. Hear the difference in your movie nights wit...

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Original price $308.99 - Original price $308.99
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$308.99
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Current price $308.99
Original price $818.99 - Original price $818.99
Original price
$818.99
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Current price $818.99

Onkyo - TX-NR6100 7.2 Channel THX Certified Network A/V Receiver - Black

Onkyo

Building key noise-reduction refinements into 100 W/Ch THX Certified Select high-current amplification the Onkyo TX-NR6100 sets the bar for refere...

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Original price $818.99 - Original price $818.99
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$818.99
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Current price $818.99
Original price $110.99 - Original price $110.99
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$110.99
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Current price $110.99

Honeywell Home - 7-Day Programmable Thermostat with Wi-Fi Capability - White

Honeywell

Honeywell Home RTH6580WF 7-Day Programmable Thermostat with Wi-Fi Capability Control your indoor temperature settings with the touch of a button wh...

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Original price $110.99 - Original price $110.99
Original price
$110.99
$110.99 - $110.99
Current price $110.99
Original price $104.99 - Original price $104.99
Original price
$104.99
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Current price $104.99

Govee - Wi-Fi Bluetooth Smart Outdoor LED Strip Light 32ft - Multi

Govee

Take any outdoor space to the next level with our outdoor RGBIC strip lights. Create stunning effects and select from millions of colors for a more...

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Original price $104.99 - Original price $104.99
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$104.99
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Current price $104.99
Original price $359.99 - Original price $359.99
Original price
$359.99
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Current price $359.99

Samsung - SWA-9500S/ZA 2.0.2 Channel Wireless Rear Speaker Kit Dolby Atmos/DTSX - Black

Samsung

Wrapped in sound not wires

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

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.