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Components

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 $169.99 - Original price $169.99
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$169.99
$169.99 - $169.99
Current price $169.99

TCL - S55H 2.1 Channel S-Class Soundbar with Wireless Subwoofer Dolby Atmos - Black

TCL

2.1 Channel S Class Sound BarFill your room with sound bringing the movie theater experience into your home with just a single HDMI cable. It’s hom...

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Original price $169.99 - Original price $169.99
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$169.99
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Current price $169.99
Original price $1,297.99 - Original price $1,297.99
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$1,297.99
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Current price $1,297.99

Sony - ULT TOWER 10 Party Speaker with Wireless Microphone - Black

Sony

ULT Power SoundEnhance your low-end frequencies for exceptional bass. Enjoy two different types of bass-emphasized sound powerful bass to feel the ...

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Original price $1,297.99 - Original price $1,297.99
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$1,297.99
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Current price $1,297.99
Original price $313.99 - Original price $313.99
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$313.99
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Current price $313.99

JBL - PartyBox On-The-Go Essential Portable Wireless Party Speaker with Wireless Microphone - 2024 - Black

JBL

Amazing JBL pro soundFind your beat with 100 watts of powerful booming JBL pro sound. Indoors or out the JBL PartyBox On-The-Go Essential delivers ...

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Original price $313.99 - Original price $313.99
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$313.99
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Current price $313.99
Original price $205.99 - Original price $205.99
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$205.99
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Current price $205.99

Govee - Spotlights 4 Packs - Multi

Govee

Color-changing RGBIncludes 35 scene modes to adorn your garden.IP65 WaterproofEnjoy year-round outdoor lights no matter the weather.Stronger lighti...

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Original price $205.99 - Original price $205.99
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$205.99
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Current price $205.99
Original price $30.99 - Original price $30.99
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$30.99
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Current price $30.99

CORSAIR - XTM60 High Performance Thermal Paste - Gray

Corsair

Superior Cooling PerformanceProvides exceptional thermal conductivity between your CPU or GPU and cooler resulting in improved heat dissipation and...

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Original price $30.99 - Original price $30.99
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$30.99
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Current price $30.99
Original price $473.99 - Original price $473.99
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$473.99
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Current price $473.99

XFX - Mercury AMD Radeon RX 9060XT OC Gaming Edition 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 $473.99 - Original price $473.99
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Current price $473.99
Original price $819.99 - Original price $819.99
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Current price $819.99

Samsung - Q-Series HW-QS750F 5.1.2 Ch Soundbar with Subwoofer and Rear Speakers - Titan Black

Samsung

Convertible FitChoose the soundbar setup that suits you whether flush against the wall or flat on a table without compromising audio quality. The b...

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Original price $819.99 - Original price $819.99
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Current price $819.99
Original price $314.99 - Original price $314.99
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$314.99
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Current price $314.99

Samsung - B-series HW-B650F 3.1 Ch DTS VirtualX Soundbar - Black

Samsung

3.1 Ch SoundBe part of every scene with well balanced harmonious sound delivered by three front channels and a wireless subwoofer. The built in cen...

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Original price $314.99 - Original price $314.99
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$314.99
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Current price $314.99
Original price $286.99 - Original price $286.99
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$286.99
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Current price $286.99

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 $286.99 - Original price $286.99
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$286.99
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Current price $286.99
Original price $286.99 - Original price $286.99
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$286.99
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Current price $286.99

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

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 $286.99 - Original price $286.99
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$286.99
$286.99 - $286.99
Current price $286.99
Original price $286.99 - Original price $286.99
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$286.99
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Current price $286.99

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

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 $286.99 - Original price $286.99
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$286.99
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Current price $286.99
Original price $930.99 - Original price $930.99
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$930.99
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Current price $930.99

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 $930.99 - Original price $930.99
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$930.99
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Current price $930.99
Original price $62.99 - Original price $62.99
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$62.99
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Current price $62.99

Insignia - 2.0 Channel Soundbar 32" Bluetooth - Black

Insignia

Simple setup. Stunning soundWhether you’re watching movies or streaming music experience full-bodied sound with less fuss.4 Audio ModesStandard Th...

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Original price $62.99 - Original price $62.99
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$62.99
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Current price $62.99
Original price $357.99 - Original price $357.99
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$357.99
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Current price $357.99

Sony - XV500 X-Series Wireless Party Speaker - Black

Sony

Powerful Party SoundThe SRS-XV500 uses woofers and front tweeters to deliver a deep punchy bass and clear vocals. With even more sound pressure you...

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Original price $357.99 - Original price $357.99
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Current price $357.99
Original price $634.99 - Original price $634.99
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Current price $634.99

MSI - NVIDIA GeForce GeForce RTX 5060 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 5060Ti graphics processing unit (GPU) with boost clock16GB GDDR716GB G...

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Original price $634.99 - Original price $634.99
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Current price $634.99
Original price $147.99 - Original price $147.99
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$147.99
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Current price $147.99

Govee - Gaming Pixel Light - Multi

Govee

Dynamic DisplaysEnjoy dynamic animations at 30fps and unleash your creativity with the freedom to upload and display your creations.AI-Powered Pixe...

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Original price $147.99 - Original price $147.99
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Original price $159.99 - Original price $159.99
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$159.99
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First Alert - Smoke and Carbon Monoxide Detector Battery Powered - White

First Alert

SC5 Battery Smart Smoke Carbon Monoxide AlarmThe fire safety you trust is now connected and compatible. Add smart fire safety alerts to your home ...

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Original price $159.99 - Original price $159.99
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$159.99
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Current price $159.99
Original price $196.99 - Original price $196.99
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$196.99
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Current price $196.99

Insignia - 5.1.2 Channel Home Theater Soundbar with Wireless Subwoofer and Rear Speakers Dolby Atmos DTSX Bluetooth - Black

Insignia

No Cords Just PowerDitch the clutter of audio cables. With wireless satalite surround speakers and wireless subwoofer connections just plug into po...

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Original price $196.99 - Original price $196.99
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$196.99
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Current price $196.99
Original price $474.99 - Original price $474.99
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$474.99
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Current price $474.99

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 $474.99 - Original price $474.99
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Original price $693.99 - Original price $693.99
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Denon - AVR-S670H (75W X 5) 5.2-Ch. with HEOS 8K Ultra HD and HDR Compatible AV Home Theater Receiver with Alexa - Black

Denon

Elevated Home EntertainmentThe Denon AVR-S670H 5.2 Receiver supports 8K/60Hz 4K/120 pass-through for pristine video quality. With Dolby TrueHD Dol...

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Original price $693.99 - Original price $693.99
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Current price $693.99
Original price $112.99 - Original price $112.99
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$112.99
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Current price $112.99

Govee - RGBIC Floor Lamp - Multi

Govee

64+ Alluring Lighting EffectsSelect a moving lighting effect with just one tap and instantly transform your space for any occasion or vibe no matte...

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Original price $112.99 - Original price $112.99
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$112.99
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Current price $112.99
Original price $819.99 - Original price $819.99
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Current price $819.99

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 $122.99 - Original price $122.99
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$122.99
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Samsung - HW-C400/ZA 2.0 Channel C-Series Soundbar with Built-in Woofer - 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 $122.99 - Original price $122.99
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Current price $122.99
Original price $105.99 - Original price $105.99
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$105.99
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Current price $105.99

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

Govee

Smart voice controlGovee outdoor LED strip light supports Alexa Google Assistant intelligent control. Enjoy hands-free control of your lights using...

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Original price $105.99 - Original price $105.99
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$105.99
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Current price $105.99
Original price $128.99 - Original price $128.99
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$128.99
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Current price $128.99

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

Govee

Flexible connectivitySupports direct Wi-Fi and Bluetooth control.Multiple lighting options16 million colors and 1-100 dimmable brightness.Multiple ...

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Original price $128.99 - Original price $128.99
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$128.99
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Current price $128.99
Original price $429.99 - Original price $429.99
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$429.99
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Current price $429.99

Philips - Hue Play HDMI Sync Box 8K - Black

Philips

HDMI 2.1 CERTIFIED FOR THE HIGHEST QUALITY CONTENTWith an ultra-fast refresh rate you can sync your Hue lights to the highest quality video content...

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Original price $429.99 - Original price $429.99
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Current price $429.99
Original price $171.99 - Original price $171.99
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Current price $171.99

Govee - RGBIC 32.8ft Icicle Lights - Multi

Govee

RGBIC lighting effectsChoose from 16 million colors with the ability to control each light individually for a customized experience.Outdoor reliabi...

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Original price $171.99 - Original price $171.99
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$171.99
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Current price $171.99
Original price $99.99 - Original price $99.99
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$99.99
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Current price $99.99

Philips - Hue Solo lightstrip 3m (10ft) - White and Color Ambiance

Philips

Includes one Hue Solo 3 meter lightstripSeamless blend of multicolor light in a single LED stripSet the mood instantly with Bluetooth and easily co...

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Original price $99.99 - Original price $99.99
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$99.99
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Current price $99.99
Original price $248.99 - Original price $248.99
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$248.99
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Current price $248.99

Govee - Wi-Fi RGBIC Outdoor Permanent String Lights 100ft - White

Govee

Lighting effects for holidays75 scene modes can cover more than 10 holidays and 8 DIY lighting effects to satisfy your various lighting needsSimple...

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Original price $248.99 - Original price $248.99
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$248.99
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Current price $248.99
Original price $72.99 - Original price $72.99
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$72.99
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Current price $72.99

JBL - PartyLight Stick bluetooth party light stick - 2024 - Black

JBL

Take your party to the next levelThe JBL PartyLight Stick syncs automatically with the sound and lights of any JBL PartyBox turning your party into...

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Original price $72.99 - Original price $72.99
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$72.99
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Current price $72.99
Original price $216.99 - Original price $216.99
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$216.99
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Current price $216.99

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 $439.99 - Original price $439.99
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$439.99
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Current price $439.99

LG - 5.1.1-Channel S70TR Home Theater Soundbar with Wireless Subwoofer and Rear Speakers Dolby Atmos WOW Orchestra - Black

LG

Perfectly Matches LG QNED Series TVWhile a great sound enhancer for any LG TV this slim and compact soundbar is especially ideal for your LG QNED. ...

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Original price $439.99 - Original price $439.99
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$439.99
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Current price $439.99
Original price $81.99 - Original price $81.99
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$81.99
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Current price $81.99

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

Nanoleaf

Individually Addressable LEDsWatch multiple colors appear all at once along your addressable lightstrip for a stunning gradient effect with 60 colo...

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Original price $81.99 - Original price $81.99
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$81.99
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Current price $81.99
Original price $493.99 - Original price $493.99
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$493.99
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Current price $493.99

JBL - PartyBox Stage 320 Portable Wireless Party Speaker - 2024 - Black

JBL

Powerful JBL Pro SoundRock out with powerful JBL Pro Sound from two 6.5" woofers that deliver clean precise deep bass even at top volume and a pair...

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Original price $493.99 - Original price $493.99
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$493.99
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Current price $493.99
Original price $383.99 - Original price $383.99
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$383.99
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Current price $383.99

JBL - PartyBox Club 120 Portable Wireless Party Speaker - 2024 - Black

JBL

Powerful JBL Pro SoundRock out with powerful JBL Pro Sound from two 6.5" woofers that deliver clean precise deep bass even at top volume and a pair...

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Original price $383.99 - Original price $383.99
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$383.99
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Current price $383.99
Original price $162.99 - Original price $162.99
Original price
$162.99
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Current price $162.99

Govee - RGBIC Curtain Lights - Multi

Govee

Pattern display abilityContain 520 teardrop-shaped light beads allowing for a higher pixel densityDIY modeBring your creativity to the forefront wi...

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

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.