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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!

Sony - XP700 Portable Bluetooth Party Speaker with Water Resistance - Black

Sony
Original price $529.99 - Original price $529.99
Original price
$529.99
$529.99 - $529.99
Current price $529.99

Unleash your inner pop starPlug in a microphone or a guitar via the mic/guitar with dual inputs in the rear port. When connecting a guitar the XP70...

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Original price $529.99 - Original price $529.99
Original price
$529.99
$529.99 - $529.99
Current price $529.99

Govee - RGBIC Smart Table Lamp 2S - Multi

Govee
Original price $94.99 - Original price $94.99
Original price
$94.99
$94.99 - $94.99
Current price $94.99

RGBIC 16 million colors16 million RGB colors and 60+ scenes offer dynamic lighting—controllable via 4 methods.3 Control optionsConvenience via Tou...

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Original price $94.99 - Original price $94.99
Original price
$94.99
$94.99 - $94.99
Current price $94.99

Hisense - AX3120Q 3.1.2 Channel Soundbar with Wireless Subwoofer Hi-Concerto Dolby Atmos DTS X and AI EQ Mode - Black

HISENSE
Original price $312.99 - Original price $312.99
Original price
$312.99
$312.99 - $312.99
Current price $312.99

3.1.2 ChannelExperience 3.1.2 channel surround sound with Dolby Atmos and DTS X where immersive audio surrounds you from all directions transformin...

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

Govee - RGBICWW 15inch Ceiling Light Pro - Multi

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

Planar colorful lighting effectThe internal lamp beads of the main light are arranged in five concentric circles. Independent control for each lig...

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

Samsung - HW-S800D 3.1.2 Channel Q-Series Ultra Slim Soundbar with Wireless Subwoofer Dolby Atmos and Q-Symphony - Titan Black

Samsung
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

Ultra Slim DesignOur unbelievably sleek low profile soundbar delivers high quality audio in a super slim package.Q SymphonyPair a Samsung TV with a...

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

ASUS - ROG CROSSHAIR X870E HERO (Socket AM5) AMD X870 ATX DDR5 Wi-Fi 7 Motherboard - Black

ASUS
Original price $687.99 - Original price $687.99
Original price
$687.99
$687.99 - $687.99
Current price $687.99

Ready for Advanced AI PCDesigned for the future of AI computing with the power and connectivity needed for demanding AI applicationsAMD AM5 SocketR...

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Original price $687.99 - Original price $687.99
Original price
$687.99
$687.99 - $687.99
Current price $687.99

ASUS - ROG STRIX X870E-E GAMING Wi-FI 7 NEO (Socket AM5) AMD X870E ATX DDR5 Wi-Fi 7 Motherboard - Black

ASUS
Original price $685.99 - Original price $685.99
Original price
$685.99
$685.99 - $685.99
Current price $685.99

Ready for Advanced AI PCsDesigned for the future of AI computing with the power and connectivity needed for demanding AI applicationsAMD AM5 Socket...

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Original price $685.99 - Original price $685.99
Original price
$685.99
$685.99 - $685.99
Current price $685.99

CORSAIR - NAUTILUS 360 ARGB Liquid CPU Cooler with RS120 ARGB Fans - Black

Corsair
Original price $160.99 - Original price $160.99
Original price
$160.99
$160.99 - $160.99
Current price $160.99

Simple High-Performance All-in-One CPU CoolingRenowned CORSAIR engineering delivers strong low-noise cooling that helps your CPU reach its full pot...

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Original price $160.99 - Original price $160.99
Original price
$160.99
$160.99 - $160.99
Current price $160.99

Sony - HTAN7 BRAVIA Theater U Wearable TV Speaker - Black

Sony
Original price $313.99 - Original price $313.99
Original price
$313.99
$313.99 - $313.99
Current price $313.99

360 Spatial Sound PersonalizerCreate your own personal home theater atmosphere using Sony’s 360 Spatial Sound Personalizer. Enjoy the impeccable cl...

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

MSI - MAG Core Liquid I240 - AIO ARGB CPU Liquid Cooler - 240mm Radiator - 2x 120mm ARGB Gen 2 PWM Fans - Black

MSI
Original price $149.99 - Original price $149.99
Original price
$149.99
$149.99 - $149.99
Current price $149.99

FAN DIMENSIONS120 x 120 x 25 mm / 4.7 x 4.7 x 0.98 inchesFAN SPEED235010RPMFAN POWER CONSUMPTION2.4WFAN BEARINGLoop Dynamic Bearing(LDB)FAN AIR PRE...

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Original price $149.99 - Original price $149.99
Original price
$149.99
$149.99 - $149.99
Current price $149.99

NZXT - H5 Flow 2024 Compact ATX Mid-Tower Airflow PC Case - Black

NZXT
Original price $105.99 - Original price $105.99
Original price
$105.99
$105.99 - $105.99
Current price $105.99

The Coolest GraphicsDesigned for enhanced GPU cooling the mesh PSU shroud maximizes air intake from bottom-mounted fans.Go Big On CoolingThe front ...

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

GE - Cync ST19 Smart LED Bulb Matter Compatible - Color Changing - Full Color

GE
Original price $42.99 - Original price $42.99
Original price
$42.99
$42.99 - $42.99
Current price $42.99

Color Changing Light BulbsUse the Cync App powered by Savant to create millions of color options set the mood for parties and holidays or adjust br...

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Original price $42.99 - Original price $42.99
Original price
$42.99
$42.99 - $42.99
Current price $42.99

LG - 2.0-Channel S20A Soundbar with Built-in Woofer DTS Digital Surround Bluetooth Connectivity - Black

LG
Original price $150.99 - Original price $150.99
Original price
$150.99
$150.99 - $150.99
Current price $150.99

Small in Size Big on BassUpgrade your TV sound with an all-in-one soundbar featuring enhanced LG TV connectivity. Step up your TV sound with a pass...

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Original price $150.99 - Original price $150.99
Original price
$150.99
$150.99 - $150.99
Current price $150.99

CORSAIR - NAUTILUS 240 ARGB Liquid CPU Cooler with RS120 ARGB Fans - Black

Corsair
Original price $126.99 - Original price $126.99
Original price
$126.99
$126.99 - $126.99
Current price $126.99

Simple High-Performance All-in-One CPU CoolingRenowned CORSAIR engineering delivers strong low-noise cooling that helps your CPU reach its full pot...

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

Insignia - RF Wireless Over-the-Ear Headphones - Black

Insignia
Original price $125.99 - Original price $125.99
Original price
$125.99
$125.99 - $125.99
Current price $125.99

Analog and digital audio inputsCompatible with any audio components (TVs CD/DVD players MP3 players mobile devices).Hassel-free digital wireless si...

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Original price $125.99 - Original price $125.99
Original price
$125.99
$125.99 - $125.99
Current price $125.99

Victrola - Empire Bluetooth 6-in-1 Record Player - Gold/Brown/Black

Victrola
Original price $314.99 - Original price $314.99
Original price
$314.99
$314.99 - $314.99
Current price $314.99

Belt-driven systemEnjoy superior sound thanks to the belt drive which reduces vibration.Stereo soundEnjoy sound as it was meant to be heard in full...

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

Sonos - Amp 250W 2.1-Ch Amplifier - Black

Sonos Inc
Original price $868.99 - Original price $868.99
Original price
$868.99
$868.99 - $868.99
Current price $868.99

250W total powerFeatures RMS rating of 125W x 2 at 8 ohms and is two channels driven for robust audio.HDMI ARC inputAdd stereo or surround sound to...

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Original price $868.99 - Original price $868.99
Original price
$868.99
$868.99 - $868.99
Current price $868.99

MSI - PRO B650-P WIFI (Socket AM5) AMD B650 ATX DDR5 Wi-Fi 6E Motherboard - Black

MSI
Original price $178.99 - Original price $178.99
Original price
$178.99
$178.99 - $178.99
Current price $178.99

Processor CompatibilitySupports AMD(AM5 socket) Ryzen 7000 Series ProcessorsDDR5 memory288DIMMs X 4 with AMD EXPO Intel XMP Memory Module SupportG...

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Original price $178.99 - Original price $178.99
Original price
$178.99
$178.99 - $178.99
Current price $178.99

Sanus - 26" Tall AV Rack 15U Stackable Skeleton Rack - Black

Sanus
Original price $458.99 - Original price $458.99
Original price
$458.99
$458.99 - $458.99
Current price $458.99

black-lacquered shelves are durable and stylish and its contemporary open architecture allows maximum airflowHeavy-gauge tubular steel pillars prov...

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Original price $458.99 - Original price $458.99
Original price
$458.99
$458.99 - $458.99
Current price $458.99

Honeywell Home - Smart Color Thermostat with Wi-Fi Connectivity - Silver

Honeywell
Original price $184.99 - Original price $184.99
Original price
$184.99
$184.99 - $184.99
Current price $184.99

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 $184.99 - Original price $184.99
Original price
$184.99
$184.99 - $184.99
Current price $184.99

Victrola - Stream Onyx - Works with Sonos - Black

Victrola
Original price $818.99 - Original price $818.99
Original price
$818.99
$818.99 - $818.99
Current price $818.99

Connect Without CompromiseWirelessly stream vinyl to your entire Sonos systemPlays All Your Favorites2-speed belt-driven turntable with Victrola si...

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

Insignia - Apple TV Remote Cover - Black

Insignia
Original price $24.99 - Original price $24.99
Original price
$24.99
$24.99 - $24.99
Current price $24.99

Designed for Apple TV remotesCompatible with Siri Remote (2nd generation) or Apple TV Remote (2nd and 3rd generation) from Apple TV 4K and Apple TV...

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Original price $24.99 - Original price $24.99
Original price
$24.99
$24.99 - $24.99
Current price $24.99

Sonos - Beam (Gen 2) 5.0 Channel Smart Soundbar with Dolby Atmos - White

Sonos Inc
Original price $423.99 - Original price $423.99
Original price
$423.99
$423.99 - $423.99
Current price $423.99

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 $423.99 - Original price $423.99
Original price
$423.99
$423.99 - $423.99
Current price $423.99

Aqara - Smart Thermostat W200 with Apple Adaptive Temperature Clean Energy Guidance Matter Hub Works with Apple Home - Black

Aqara
Original price $191.99 - Original price $191.99
Original price
$191.99
$191.99 - $191.99
Current price $191.99

Excellent Integration with AppleThe W200 is the industry’s first thermostat to integrate with Apple’s Adaptive Temperature and Clean Energy Guidanc...

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Original price $191.99 - Original price $191.99
Original price
$191.99
$191.99 - $191.99
Current price $191.99

TCL - Q85H Q Class 7.1.4 Channel Sound Bar with Dolby Atmos Wireless Subwoofer and Wireless Surround Speakers - Black

TCL
Original price $755.99 - Original price $755.99
Original price
$755.99
$755.99 - $755.99
Current price $755.99

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

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Original price $755.99 - Original price $755.99
Original price
$755.99
$755.99 - $755.99
Current price $755.99

Bose - Lifestyle Ultra 5.1 Channel Wireless Soundbar with Dolby Atmos - Black

Bose
Original price $1,278.99 - Original price $1,278.99
Original price
$1,278.99
$1,278.99 - $1,278.99
Current price $1,278.99

Stunning audio qualityEverything sounds better with Dolby Atmos encoding and TrueSpatial Technology creating dynamic multi-channel sound that feels...

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Original price $1,278.99 - Original price $1,278.99
Original price
$1,278.99
$1,278.99 - $1,278.99
Current price $1,278.99

CORSAIR - Elite Premium Individually Sleeved 12V-2x6 Cables Type 4 - Black

Corsair
Original price $36.99 - Original price $36.99
Original price
$36.99
$36.99 - $36.99
Current price $36.99

Paracord SleevesEach 12V-2x6 cable is made with flexible paracord sleeves offering a distinct look that makes any build stand out.Low-Profile Cable...

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Original price $36.99 - Original price $36.99
Original price
$36.99
$36.99 - $36.99
Current price $36.99

CORSAIR - VENGEANCE RGB DDR5 16GB (2 x 8GB) DDR5 6000 CL36-44-44-96 1.35V Intel XMP AMD EXPO - Gray

Corsair
Original price $306.99 - Original price $306.99
Original price
$306.99
$306.99 - $306.99
Current price $306.99

Welcome to the Cutting-Edge of PerformancePush the limits of your system like never before with CORSAIR DDR5 memory unlocking even faster frequenci...

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Original price $306.99 - Original price $306.99
Original price
$306.99
$306.99 - $306.99
Current price $306.99

GIGABYTE - NVIDIA GeForce RTX 5070 Ti AERO OC 16G GDDR7 PCI Express 5.0 Graphics Card - White

GIGABYTE
Original price $1,321.99 - Original price $1,321.99
Original price
$1,321.99
$1,321.99 - $1,321.99
Current price $1,321.99

Graphics Processing Unit (Gpu)/Clock SpeedPowered by the NVIDIA geforce RTX 5070 Ti graphics processing unit (GPU)Video Memory16gb gddr7Interface C...

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Original price $1,321.99 - Original price $1,321.99
Original price
$1,321.99
$1,321.99 - $1,321.99
Current price $1,321.99

MSI - PRO B850-P WIFI (Socket AM5) AMD B850 ATX DDR5 Wi-Fi 7 Motherboard - Black

MSI
Original price $224.99 - Original price $224.99
Original price
$224.99
$224.99 - $224.99
Current price $224.99

Processor compatibilitySupports AMD Ryzen 9000/7000 Series Desktop Processor Socket AM5Speed (memory speed supported)4 DIMMs Dual Channel DDR5 - 82...

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Original price $224.99 - Original price $224.99
Original price
$224.99
$224.99 - $224.99
Current price $224.99

ASUS - PRIME NVIDIA GeForce RTX 5080 16GB GDDR7 PCI Express 5.0 Graphics Card - Black

ASUS
Original price $1,697.99 - Original price $1,697.99
Original price
$1,697.99
$1,697.99 - $1,697.99
Current price $1,697.99

NVIDIA PowerPowered by the NVIDIA Blackwell architecture and DLSS 4SFF-Ready enthusiast GeForce cardCompatible with small-form-factor buildsAxial-t...

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Original price $1,697.99 - Original price $1,697.99
Original price
$1,697.99
$1,697.99 - $1,697.99
Current price $1,697.99

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

GIGABYTE
Original price $1,554.99 - Original price $1,554.99
Original price
$1,554.99
$1,554.99 - $1,554.99
Current price $1,554.99

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 $1,554.99 - Original price $1,554.99
Original price
$1,554.99
$1,554.99 - $1,554.99
Current price $1,554.99

CORSAIR - RMe Series RM1000e 80 PLUS Gold Fully Modular Low-Noise ATX 3.1 and PCIE 5.1 Power Supply - Black

Corsair
Original price $223.99 - Original price $223.99
Original price
$223.99
$223.99 - $223.99
Current price $223.99

Fully Modular PSUReliable and efficient low-noise power supply with fully modular cabling so you only have to connect the cables your system build ...

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Original price $223.99 - Original price $223.99
Original price
$223.99
$223.99 - $223.99
Current price $223.99

CORSAIR - RMx Series RM850x Cybenetics Gold Fully Modular ATX Power Supply - Black

Corsair
Original price $205.99 - Original price $205.99
Original price
$205.99
$205.99 - $205.99
Current price $205.99

Fully ModularReliable and efficient low-noise power supply with fully modular cabling so you only have to connect the cables your system needs.Cybe...

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

NZXT - C 850W ATX 3.1 80 Plus Gold Fully Modular Power Supply - Black

NZXT
Original price $146.99 - Original price $146.99
Original price
$146.99
$146.99 - $146.99
Current price $146.99

The Future is hereNZXT ATX 3.1 Gold PSUs deliver up to 600 watts of power to NVIDIA RTX 40 GPUs with a 12V-2x6 cable.Premium Performance100 high-qu...

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Original price $146.99 - Original price $146.99
Original price
$146.99
$146.99 - $146.99
Current price $146.99

CanaKit - Raspberry Pi 5 Starter Kit - Turbine (8GB) - Black

CanaKit
Original price $302.99 - Original price $302.99
Original price
$302.99
$302.99 - $302.99
Current price $302.99

Credit-card-size computerProgram the device to use it for watching videos surfing the Internet playing games and learning to code.5th-generation Ra...

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Original price $302.99 - Original price $302.99
Original price
$302.99
$302.99 - $302.99
Current price $302.99

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.