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  • Original price $610.99 - Original price $610.99
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    Onkyo - TX 7.2-Ch. with Dolby Atmos 4K Ultra HD HDR Compatible A/V Home Theater Receiver - Black

    Onkyo

    Connect to the InternetAccess a variety of online streaming services such as Pandora Deezer Spotify TuneIn TIDAL Chromecast and Amazon Music as wel...

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    Original price $610.99 - Original price $610.99
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  • Original price $128.99 - Original price $128.99
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    Honeywell Home - Smart Color Thermostat with Wi-Fi Connectivity - Silver

    Honeywell

    Comfort comes in your colorPersonalize your Wi-Fi Smart Color Programmable Thermostat to fit your decor.ENERGY STAR certifiedENERGY STAR certified ...

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    Original price $128.99 - Original price $128.99
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  • Original price $254.99 - Original price $254.99
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    NL SHAPES BLK HEX SM

    Nanoleaf

    Combine Shapes into Your Own DesignCreate beautiful symmetry in any room or get completely abstract - the choice is yours. With Connect+ technology...

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    Original price $254.99 - Original price $254.99
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  • Original price $174.99 - Original price $174.99
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    Nanoleaf - Shapes Hexagons Smarter Kit (7 Panels) - Multicolor

    Nanoleaf

    Combine Shapes into Your Own DesignCreate beautiful symmetry in any room or get completely abstract - the choice is yours. With Connect+ technology...

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    Original price $174.99 - Original price $174.99
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  • Original price $165.99 - Original price $165.99
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    Nanoleaf - Shapes Triangles Smarter Kit (7 Panels) - Multicolor

    Nanoleaf

    Combine Shapes into Your Own DesignCreate beautiful symmetry in any room or get completely abstract - the choice is yours. With Connect+ technology...

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    Original price $165.99 - Original price $165.99
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  • Original price $86.99 - Original price $86.99
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    Philips - Hue A21 Bluetooth 100W Smart LED Bulb - White and Color Ambiance

    Philips

    Colorful smart lightingInstantly set the mood for any occasion with 16 million colors. Transform any room for an immersive entertainment experience...

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    Original price $86.99 - Original price $86.99
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  • Original price $107.99 - Original price $107.99
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    Philips - Hue A19 Bluetooth 75W Smart LED Bulbs (2-Pack) - White and Color Ambiance

    Philips

    Colorful smart lightingInstantly set the mood for any occasion with 16 million colors of light. Transform any room for an immersive entertainment e...

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    Original price $107.99 - Original price $107.99
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  • Original price $75.99 - Original price $75.99
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    Philips - Hue E12 Bluetooth 50W Smart LED Bulb - White and Color Ambiance

    Philips

    Classic Style Modern FeaturesThe Philips Hue E12 candelabra bulb brings classic style and modern smart lighting features to your chandelier or scon...

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    Original price $75.99 - Original price $75.99
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  • Original price $92.99 - Original price $92.99
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    Philips - Hue Bluetooth Slim Downlight 6" - White and Color Ambiance

    Philips

    Canless designThe slim downlight installs easily into any ceiling thanks to its slim profile. Place them in spaces such as narrow hallways or rooms...

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    Original price $92.99 - Original price $92.99
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  • Original price $127.99 - Original price $127.99
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    Samsung - C Series 2.0 Ch Soundar W/ Built-in Woofer HW-C400 - Black

    Samsung

    Built-in SubwooferGo deep and hear more with this soundbar’s all-in-one built-in subwoofer design.One Remote ControlKeep your finger on the pulse. ...

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    Original price $127.99 - Original price $127.99
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  • Original price $310.99 - Original price $310.99
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    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 $310.99 - Original price $310.99
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  • Original price $156.99 - Original price $156.99
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    Govee - Glide Wall Light (8+2)

    Govee

    Breathtaking Multi-Color LightingOur patented RGBIC tech lets Glide display up to 57 colors at one time and 16 million colors total allowing for be...

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    Original price $156.99 - Original price $156.99
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  • Original price $520.99 - Original price $520.99
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    AMD - Ryzen 7 5800X 4th Gen 8-core 16-threads Unlocked Desktop Processor Without Cooler - Black

    AMD

    Boost ClockUp to 4.7GHz Max Boost ClockCores8 CPU CoresSystem MemoryUp to 3200MHz DDR4 RAMGame Cache36 MB GameCache for game performancePCI Express...

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    Original price $520.99 - Original price $520.99
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  • Original price $355.99 - Original price $355.99
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    AMD - Ryzen 5 5600X 4th Gen 6-core 12-threads Unlocked Desktop Processor With Wraith Stealth Cooler

    AMD

    Boost ClockUp to 4.6GHz Max Boost ClockCores6 CPU CoresSystem MemoryUp to 3200MHz DDR4 RAMGame Cache35 MB GameCache for game performancePCI Express...

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    Original price $355.99 - Original price $355.99
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  • Original price $508.99 - Original price $508.99
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    Samsung - MX-ST50B Sound Tower High Power Audio 240W - Black

    Samsung

    Bi-directional Sound (240 watts)Get the room jumping with 240 watts of power. Pump up the music and keep the good vibes flowing with uniquely desig...

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    Original price $508.99 - Original price $508.99
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  • Original price $179.99 - Original price $179.99
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    Nanoleaf - Lines 60 Degrees Smarter Kit (9 Light Lines) - Multicolor

    Nanoleaf

    Backlit Modular LightingDesign your own unique layouts for a stunning and futuristic ambient glow.Music VisualizerWatch the lights react and dance ...

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    Original price $179.99 - Original price $179.99
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  • Original price $234.99 - Original price $234.99
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    JBL - Partybox Encore Essential Portable Wireless Party Speaker - Black

    JBL

    Amazing JBL original pro soundExperience amazing JBL original pro sound with deep bass.A light show that syncs to the beatThe dynamic light show de...

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    Original price $234.99 - Original price $234.99
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    Samsung - HW-S50B 3.0ch All in One Soundbar with Dolby 5.1 / DTS VirutalX - Black

    Samsung

    All-in-oneEverything you need in a single soundbar for holistic sound. The all-in-one system has 2 woofers and 3 tweeters built into its slender fr...

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    Original price $254.99 - Original price $254.99
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  • Original price $114.99 - Original price $114.99
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    Philips - Hue Go Bluetooth Table Lamp - White and Color Ambiance

    Philips

    A truly portable smart lightThe Hue Go portable smart light can truly go wherever you want thanks to its built-in rechargeable battery. Enjoy 2.5 h...

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    Original price $114.99 - Original price $114.99
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  • Original price $72.99 - Original price $72.99
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    Thermaltake - SMART 700W ATX 80 Plus Power Supply - Black

    Thermal Take

    700W power supplyDelivers the power needed to run your PC.AC 115-230V inputWith input 47-63Hz frequency for wide-ranging use.ATX complianceMeets in...

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    Original price $72.99 - Original price $72.99
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  • Original price $127.99 - Original price $127.99
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    LG - 2.0-Channel Soundbar with 40-Watt Digital Amplifier - Black

    LG Electronics

    40W total output power (20W x 2)Provides dynamic sound.Dolby Digital decoderReproduces multichannel audio to deliver a cinematic audio experience.B...

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    Original price $127.99 - Original price $127.99
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  • Original price $270.99 - Original price $270.99
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    Hisense - 3.1.2 Dolby ATMOS Soundbar with Wireless Subwoofer - Black

    HISENSE

    3.1.2 Surround Sound7 speakers built into the soundbar. Left and right front channel center channel left and right overhead surround channel surrou...

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    Original price $270.99 - Original price $270.99
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  • Original price $201.99 - Original price $201.99
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    JBL - Cinema SB170 2.1 Channel Soundbar with Wireless Subwoofer - Black

    JBL

    220W power outputIncredible powerful sound for an immersive cinematic experience.Dedicated sound mode to enhance voice clarityJust press the “Voice...

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    Original price $201.99 - Original price $201.99
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  • Original price $211.99 - Original price $211.99
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    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 ...

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    Original price $211.99 - Original price $211.99
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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.