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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 $161.99 - Original price $161.99
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Google - Nest Smart Programmable Wifi Thermostat - Snow

GOOGLE

Easy to install and use.Designed so you can install yourself. Installation usually takes 30 minutes or less. You can quickly create a schedule tha...

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Original price $161.99 - Original price $161.99
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Original price $230.99 - Original price $230.99
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Fractal Design North XL - tower - extended ATX

Fractal Design

Enhance the look of your gaming station with sleek wood and alloy detailsDesigned for E-ATX / ATX / mATX / mITX motherboardsEnjoy natural ventilati...

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Original price $230.99 - Original price $230.99
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Original price $81.99 - Original price $81.99
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$81.99
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CORSAIR - VENGEANCE Series 32GB (1x32GB) DDR4 3200MHz C22 SODIMM Laptop Memory - Black

Corsair

Kit of one 32GB DDR4 SODIMM DRAM memory moduleFor 32GB total memory.Up to 3200MHz operating speedFor excellent multitasking capability.Upgrade Your...

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Original price $81.99 - Original price $81.99
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$81.99
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Original price $104.99 - Original price $104.99
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$104.99
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CORSAIR - CX-M Series CX650M Semi-Modular Low-Noise ATX Power Supply - Black

Corsair

Low-Noise OperationA rifle bearing fan ensures longer life than conventional bearings with less noise letting you focus more on the task at hand wh...

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Original price $104.99 - Original price $104.99
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Original price $115.99 - Original price $115.99
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CORSAIR - CX-M Series CX750M Semi-Modular Low-Noise ATX Power Supply - Black

Corsair

Low-Noise OperationA rifle bearing fan ensures longer life than conventional bearings with less noise letting you focus more on the task at hand wh...

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Original price $115.99 - Original price $115.99
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Original price $47.99 - Original price $47.99
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$47.99
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CORSAIR - VENGEANCE Series 16GB (1x16GB) DDR4 3200MHz C22 SODIMM Laptop Memory - Black

Corsair

One 16GB DDR4 SODIMM DRAM memory moduleFor 16GB total memory.Up to 3200MHz operating speedFor excellent multitasking capability.Upgrade Your DDR4 L...

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Original price $47.99 - Original price $47.99
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Original price $287.99 - Original price $287.99
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ASUS TUF GAMING Z790-PLUS WIFI - motherboard - ATX - LGA1700 Socket - Z790

ASUS

Processor CompatibilityIntel Socket LGA1700 for Intel Core 14th 13th Gen Processors Intel Core 12th Gen Pentium Gold and Celeron ProcessorsSpeed (...

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Original price $287.99 - Original price $287.99
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Original price $1,089.99 - Original price $1,089.99
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Sonos - Arc Ultra Soundbar - White

Sonos Inc

Next-level immersionWith an all-new acoustic architecture powered by 14 Sonos-engineered drivers and advanced technologies like Sound Motion Arc Ul...

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Original price $1,089.99 - Original price $1,089.99
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Original price $686.99 - Original price $686.99
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Onkyo TX-NR696 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 $686.99 - Original price $686.99
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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 $295.99 - Original price $295.99
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Original price $576.99 - Original price $576.99
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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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Govee - AI Gaming TV Sync Box Kit for 55-65 inch TVs - Multi

Govee

Advanced technologySupports HDMI 2.0 2K-144FPS/4K-60FPS Dolby Horizon HDR 10+ ARC CEC Alexa and Google AssistantMore HDMI-output portsThree HDMI-in...

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Original price $284.99 - Original price $284.99
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JBL - PartyBox 310 Portable Party Speaker - Black

JBL

Powerful JBL Pro SoundAround the block or across the beach make your party heard with 240 watts of big JBL Pro Sound. Sing rap strum — then turn up...

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Original price $463.99 - Original price $463.99
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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 $160.99 - Original price $160.99
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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

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 $182.99 - Original price $182.99
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Honeywell Home - T9 Smart Programmable Touch-Screen

Honeywell

Versatile compatibilityT9 works with most heating cooling and heat pump systems. It does not work with electric baseboard heaters (120-240V) dual f...

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

MSI

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 $245.99 - Original price $245.99
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Original price $312.99 - Original price $312.99
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MSI - X870 GAMING PLUS WIFI (Socket AM5) AMD X870 ATX DDR5 Wi-Fi 7 Motherboard - Black

MSI

Processor compatibilitySupports AMD Ryzen 9000/7000 Series Desktop Processor Socket AM5Speed (memory speed supported)4 DIMMs Dual Channel DDR5-8200...

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Original price $312.99 - Original price $312.99
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Nanoleaf - Blocks Combo XL Smarter Kit - Smart LED Wall Light Panels - Multicolor

Nanoleaf

Modular CustomizableBuild your own unique layout and customize with mix and match add-ons to make a display that's truly your own.Dynamic Lighting...

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Original price $236.99 - Original price $236.99
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Original price $149.99 - Original price $149.99
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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

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 A850GL PCIE5...

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Original price $149.99 - Original price $149.99
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GIGABYTE - NVIDIA GeForce RTX 3050 WINDFORCE OC V2 6GB GDDR6 PCI Express 4.0 Graphics Card - Black

GIGABYTE

Graphics Processing Unit (GPU)/Clock SpeedPowered by the NVIDIA GeForce RTX 3050 graphics processing unit (GPU)Video Memory6GB GDDR6 (96-bit)Interf...

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Original price $249.99 - Original price $249.99
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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

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 $337.99 - Original price $337.99
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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 $394.99 - Original price $394.99
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VIZIO - 2.1 Soundbar Wireless Subwoofer w/ Dolby Atmos DTSX - Black

Vizio

Take control with your smartphoneSoundbar remote control not included. Receive the latest product updates and adjust advanced soundbar settings by ...

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Original price $192.99 - Original price $192.99
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Original price $291.99 - Original price $291.99
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VIZIO - 5.1 Soundbar Wireless Subwoofer Surround Sound w/ Dolby Atmos and DTSX - Black

Vizio

Take control with your smartphoneSoundbar remote control not included. Receive the latest product updates and adjust advanced soundbar settings by ...

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Original price $291.99 - Original price $291.99
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Original price $92.99 - Original price $92.99
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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 $92.99 - Original price $92.99
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Original price $646.99 - Original price $646.99
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Onkyo - TX-NR6100 7.2 Channel THX Certified Network A/V Receiver - Black

Onkyo

THX Certified Select theater-reference sound100 W/Ch THX Certified Select guarantees the same reference volume and sound quality of a commercial th...

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Original price $646.99 - Original price $646.99
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Original price $109.99 - Original price $109.99
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Honeywell Home - 7-Day Programmable Thermostat with Wi-Fi Capability - White

Honeywell

Thermostat that fits your life7-day 4 periods per day flexible programming lets you sync your comfort with your schedule.Easy-to-use appChoose from...

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Original price $109.99 - Original price $109.99
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Original price $104.99 - Original price $104.99
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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 $104.99 - Original price $104.99
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Original price $359.99 - Original price $359.99
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$359.99
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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 $359.99 - Original price $359.99
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Original price $389.99 - Original price $389.99
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26" Tall AV Rack 15U Stackable Skeleton Rack

Sanus

SANUS 26" Tall AV Rack 15U Stackable Skeleton Rack

Original price $389.99 - Original price $389.99
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Original price $98.99 - Original price $98.99
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$98.99
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PNY - XLR8 Gaming 16GB (2x8GB) 3200MHz DDR4 DRAM (PC4-25600) CL16 1.35V Dual Channel UDIMM Desktop Memory Kit - Red

PNY

Upgrade BenefitsExperience the benefits of a PC Memory Upgrade with the ability to run more demanding applications simultaneously and at faster spe...

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Original price $98.99 - Original price $98.99
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$98.99
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Original price $837.99 - Original price $837.99
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JBL - Party Box 710 Portable Party Speaker - 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 $837.99 - Original price $837.99
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Original price $170.99 - Original price $170.99
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$170.99
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Govee - Path Lights 4 Packs - Multi

Govee

Unique and modern outdoor lightingGovee Pathway Lights have an adjustable 2200-6500K color temperature and 54 preset scenes.Multi-color displayRGBI...

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Original price $170.99 - Original price $170.99
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Original price $129.99 - Original price $129.99
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$129.99
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JBL - PartyBox Digital Wireless Microphones

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 $129.99 - Original price $129.99
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$129.99
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Original price $273.99 - Original price $273.99
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$273.99
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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 $273.99 - Original price $273.99
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$273.99
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Current price $273.99

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.