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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 $412.99 - Original price $412.99
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$412.99
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Current price $412.99

JBL - 2.1 Channel Soundbar with Wireless Subwoofer - Black

JBL

Bring the powerFill your whole room with sound. An impressive 300W of total system power puts you in control. Your movies and music have never soun...

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Original price $412.99 - Original price $412.99
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$412.99
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Current price $412.99
Original price $419.99 - Original price $419.99
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$419.99
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Current price $419.99

LG - 5.1-Channel S60TR Home Theater Soundbar with Wireless Subwoofer and Rear Speakers Dolby Audio - Black

LG

Bring Home Epic SoundExperience a new dimension of sound with our 5.1 channel Home Theater Soundbar. Transform your room into a dynamic home theate...

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Original price $419.99 - Original price $419.99
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$419.99
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Current price $419.99
Original price $256.99 - Original price $256.99
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$256.99
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ASUS ROG STRIX B650-A GAMING WIFI - motherboard - ATX - Socket AM5 - AMD B650

ASUS

AMD Socket AM5(LGA 1718)Ready for AMD Ryzen 7000 Series desktop processors.Robust Power Solution12 + 2 power stages with 8 + 4 pin ProCool power co...

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Original price $256.99 - Original price $256.99
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$256.99
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Current price $256.99
Original price $336.99 - Original price $336.99
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$336.99
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Current price $336.99

Bose - TV Speaker Bluetooth Soundbar - Black

Bose

Hear your TV betterThe Bose TV Speaker is a small soundbar that clarifies speech and improves overall TV sound. Inside there are two full-range dri...

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Original price $336.99 - Original price $336.99
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$336.99
$336.99 - $336.99
Current price $336.99
Original price $1,699.99 - Original price $1,699.99
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$1,699.99
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Current price $1,699.99

GIGABYTE - NVIDIA GeForce RTX 5080 GAMING OC 16G GDDR7 PCI Express 5.0 Graphics Card - Black

GIGABYTE

Graphics Processing Unit (Gpu)/Clock SpeedPowered by the NVIDIA geforce RTX 5080 graphics processing unit (GPU)Video Memory16gb gddr7Interface Comp...

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Original price $1,699.99 - Original price $1,699.99
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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 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...

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Original price $194.99 - Original price $194.99
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Original price $718.99 - Original price $718.99
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$718.99
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PNY - GeForce RTX 5070 12GB OC GDDR7 PCI Express 5.0 Graphics Card with Triple Fan - Black

PNY

NVIDIADLSS4Supreme speed. Superior visuals. Powered by AI. DLSS is a revolutionary suite of neural rendering technologies that uses AI to boost FPS...

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Original price $718.99 - Original price $718.99
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$718.99
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Original price $547.99 - Original price $547.99
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$547.99
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Current price $547.99

XFX - Swift AMD Radeon RX 9060XT 16GB GDDR6 PCI Express 5.0 Gaming Graphics Card - Black

XFX

GDDR6 Memory for advanced gamingEquipped with 16GB of advanced GDDR6 memory to provide high bandwidth performance enabling 1080p performance for to...

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Original price $547.99 - Original price $547.99
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$547.99
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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

Improved compatibility.It works with most 24V systems including gas electric oil forced air heat pump and radiant and no C wire is required for ins...

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Original price $318.99 - Original price $318.99
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Original price $138.99 - Original price $138.99
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$138.99
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Eve - Room Indoor Air Quality Monitor - Silver

Eve

Air quality monitor sensorPurpose-built air quality monitor sensor is a perfect choice to fulfill your requirementsPacked withAccompanied by air qu...

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Original price $138.99 - Original price $138.99
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$138.99
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Original price $126.99 - Original price $126.99
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$126.99
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Current price $126.99

Philips - Hue Bridge V3 PRO - Black

Philips

More SpeedFeaturing the new Hue Chip Pro with ultra-fast processing speeds of 1.7 GHz and a quad-core Cortex-A35 CPU for super-fast response times ...

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Original price $126.99 - Original price $126.99
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Original price $893.99 - Original price $893.99
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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 $893.99 - Original price $893.99
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Original price $346.99 - Original price $346.99
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$346.99
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Samsung - SWA-9500S/ZA 2.0.2 Channel Wireless Rear Speaker Kit 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 $346.99 - Original price $346.99
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$346.99
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Original price $1,049.99 - Original price $1,049.99
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$1,049.99
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Current price $1,049.99

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 $782.99 - Original price $782.99
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$782.99
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MSI - NVIDIA GeForce RTX 5070 12G GAMING TRIO OC 12GB GDDR7 PCI Express Gen 5 Graphics Card - Black

MSI

Graphics Processing Unit (Gpu)/Clock SpeedPowered by the NVIDIA geforce RTX 5070 graphics processing unit (GPU) with boost clock12gb Gddr712gb gdd...

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Original price $782.99 - Original price $782.99
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$782.99
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Original price $743.99 - Original price $743.99
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$743.99
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Marshall - Heston 60 Soundbar with Dolby Atmos Immersive Sound for TV / Movies / Music - Black

Marshall

IMMERSIVE SOUND FOR MOVIES MUSICFrom movie marathons to your favourite songs on repeat this soundbar makes every note hit deeper. Featuring Dolby ...

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Original price $743.99 - Original price $743.99
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Original price $2,053.99 - Original price $2,053.99
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ASUS - ROG Strix G16 16" FHD+ 165Hz Gaming Laptop - Intel Core i9 HX - 16GB RAM - NVIDIA GeForce RTX 5060- 1TB SSD - Eclipse Gray

ASUS

Game and create with Windows 11 HomeGame create and connect with family and friends - Windows 11 Home is the place for it all. With a fresh new fee...

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Original price $2,053.99 - Original price $2,053.99
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Original price $2,772.99 - Original price $2,772.99
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ASUS - ROG Strix G18 18" 2.5K 240Hz Gaming Laptop - Intel Core Ultra 9 HX - 32GB RAM -NVIDIA GeForce RTX 5070 - 2TB SSD - Eclipse Gray

ASUS

Advanced Windows 11 ProGame create and boost your productivity—Windows 11 Pro is the place for it all. With advanced features powerful tools to enh...

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Original price $2,772.99 - Original price $2,772.99
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Original price $1,054.99 - Original price $1,054.99
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JBL - Partybox 520 Portable Wireless Party Speaker - 2025 - Black

JBL

Electrifying sound with AI Sound BoostPowerful sound to make your playlist shine. This sound is made to match your energy so you feel like you're h...

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Original price $1,054.99 - Original price $1,054.99
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Original price $531.99 - Original price $531.99
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Sony - BRAVIA Theater Rear 8 wireless rear speakers 2025 - Black

Sony

360 spatial sound with compatible soundbarsPair BRAVIA Theater Rear 8 with compatible Sony soundbars BRAVIA Theater Bar 9 BRAVIA Theater Bar 8 HT-A...

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Original price $531.99 - Original price $531.99
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Original price $125.99 - Original price $125.99
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MSI - MAG A750GL PCIE 5 750W ATX 3.1 Full Modular 80 Plus Gold Gaming Power Supply - Black

MSI

ATX 3.1 compatibleIt has an output port that is compliant with PCIe 5.0 and Intel PSDG(Power Supply Design Guide) ATX 3.1 also the MAG A750GL PCIE5...

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Original price $125.99 - Original price $125.99
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$125.99
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Current price $125.99
Original price $216.99 - Original price $216.99
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$216.99
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Hisense - 5.1 Channel 540W Soundbar with Wireless 6.5" Subwoofer and 2 Rear Speakers (HS5100) - Black

HISENSE

Crank up the powerHold on to your socks. 8 speakers deliver total 540w max output power. Fill the room with sound and fall deeper into the experien...

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Original price $216.99 - Original price $216.99
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$216.99
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Current price $216.99
Original price $182.99 - Original price $182.99
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$182.99
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Hisense - 3.1 Channel 480W Soundbar with Wireless 6.5" Subwoofer (HS3100) - Black

HISENSE

Crank up the power480W Max Audio Power Let's get loud Upgrade your TV sound instantly with the 6 powerful speakers (including 3 full-range speakers...

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Original price $182.99 - Original price $182.99
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$182.99
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Current price $182.99
Original price $1,190.99 - Original price $1,190.99
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$1,190.99
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Current price $1,190.99

MSI - NVIDIA GeForce RTX 5070 Ti 16G GAMING TRIO OC 16GB GDDR7 PCI Express Gen 5 Graphics Card - Black

MSI

Graphics Processing Unit (GPU)/Clock SpeedPowered by the NVIDIA GeForce RTX 5070 Ti graphics processing unit (GPU) with boost clock.16GB GDDR716GB ...

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Original price $1,190.99 - Original price $1,190.99
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$1,190.99
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Current price $1,190.99
Original price $2,053.99 - Original price $2,053.99
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ASUS - ROG Strix G16 16" 240Hz 2.5K Gaming Laptop - Intel Core Ultra 9 - 32GB RAM - NVIDIA GeForce RTX 5060 - 1TB SSD - Eclipse Gray

ASUS

Game and create with Windows 11 HomeGame create and connect with family and friends - Windows 11 Home is the place for it all. With a fresh new fee...

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Original price $2,053.99 - Original price $2,053.99
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$2,053.99
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Current price $2,053.99
Original price $228.99 - Original price $228.99
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$228.99
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Current price $228.99

MSI - B550 GAMING PLUS (Socket AM4) AMD B550 ATX DDR4 Motherboard - Black

MSI

Supports AMD Ryzen 7 and Ryzen processorsIn an AM4 socket.Up to 4866+MHz4 x DDR4 memory slots support up to 128GB 1 Supports DDR4 1866/ 2133/ 2400/...

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Original price $228.99 - Original price $228.99
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$228.99
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Current price $228.99
Original price $437.99 - Original price $437.99
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$437.99
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Current price $437.99

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 $437.99 - Original price $437.99
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$437.99
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Current price $437.99
Original price $752.99 - Original price $752.99
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$752.99
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Current price $752.99

ASUS - PRIME NVIDIA GeForce RTX 5070 12GB GDDR7 PCI Express 5.0 Graphics Card - Black

ASUS

Powered byNVIDIA Blackwell architecture and DLSS 4SFF-Ready enthusiast GeForce cardCompatible with small-form-factor buildsAxial-tech fansFeature a...

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Original price $752.99 - Original price $752.99
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$752.99
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Current price $752.99
Original price $66.99 - Original price $66.99
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$66.99
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Current price $66.99

Insignia - 2.0-Channel Soundbar - Black

Insignia

Powerful audio driversEnjoy louder more dynamic sound with a physical impact thanks to four high-quality drivers.Equalizer customizationFine-tune s...

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Original price $66.99 - Original price $66.99
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$66.99
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Current price $66.99
Original price $1,780.99 - Original price $1,780.99
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$1,780.99
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Current price $1,780.99

MSI - NVIDIA GeForce RTX 5080 16G GAMING TRIO OC 16GB GDDR7 PCI Express Gen 5 Graphics Card - Black

MSI

Graphics Processing Unit (GPU)/Clock SpeedPowered by the NVIDIA GeForce RTX 5080 graphics processing unit (GPU) with boost clock16GB GDDR716GB GDD...

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Original price $1,780.99 - Original price $1,780.99
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$1,780.99
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Current price $1,780.99
Original price $361.99 - Original price $361.99
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$361.99
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Current price $361.99

ASUS - DUAL NVIDIA GeForce RTX 5050 OC Edition 8GB GDDR6 PCI Express 5.0 Graphics Card - Black

ASUS

AI Performance433 AI TOPS.Powered ByNVIDIA Blackwell architecture and DLSS 4.SFF-ReadyEnthusiast GeForce card.Axial-Tech FansFeature a smaller fan ...

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Original price $361.99 - Original price $361.99
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$361.99
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Current price $361.99
Original price $82.99 - Original price $82.99
Original price
$82.99
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Current price $82.99

NZXT - H3 Flow Micro-ATX High-Airflow PC Case - Black

NZXT

Space-Saving SizeA space-efficient micro-ATX chassis accommodates standard high-performance components without compromise.High-Airflow DesignUltra-...

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Original price $82.99 - Original price $82.99
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$82.99
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Current price $82.99
Original price $4,997.99 - Original price $4,997.99
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Current price $4,997.99

DGX Spark - NVIDIA GB10 Grace Blackwell Superchip 128 GB LPDDR5x 4 TB NVME.M2 SSD Storage - Gold

PNY

Architecture NVIDIA Grace BlackwellBuilt on NVIDIA GB10 Grace Blackwell Superchip.NVIDIA Grace CPU20 core Arm 10 Cortex-X925 + 10 Cortex-A725 Arm C...

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Original price $4,997.99 - Original price $4,997.99
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$4,997.99
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Current price $4,997.99
Original price $196.99 - Original price $196.99
Original price
$196.99
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Current price $196.99

JBL - PartyBox Digital Wireless Microphones - Black

JBL

Clear Voice Crisp SoundThe cardioid pickup pattern of these mics deliver a warm clear and crisp vocal sound that's designed to make everyone sound ...

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Original price $196.99 - Original price $196.99
Original price
$196.99
$196.99 - $196.99
Current price $196.99
Original price $82.99 - Original price $82.99
Original price
$82.99
$82.99 - $82.99
Current price $82.99

Govee - RGBIC LED Neon Rope Light for Desks 6.5ft - Multi

Govee

Segmented RGBIC color control42 controllable segments customize RGBIC lighting effects. 14 zones per meter 16.8 million colors and 64+ scene modesG...

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Original price $82.99 - Original price $82.99
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$82.99
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Current price $82.99
Original price $200.99 - Original price $200.99
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$200.99
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Current price $200.99

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

Fractal Design

Sophisticated design accented with real walnut frontDesigned for ATX / mATX / ITX motherboardsSupports GPUs up to 355 mm (with front fan)Supports G...

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Original price $200.99 - Original price $200.99
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$200.99
$200.99 - $200.99
Current price $200.99

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.