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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!

NZXT - Kraken Core RGB 240mm Radiator Liquid Cooler (1 x 240mm Single-Frame Fan) with RGB Pump Cap - Black

NZXT
Original price $117.99 - Original price $117.99
Original price
$117.99
$117.99 - $117.99
Current price $117.99

COOL AND QUIETA powerful 3100 RPM pump keeps your CPU cool during heavy gaming and multitasking while minimizing noise.SIMPLE CONNECTIVITYConnects ...

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Original price $117.99 - Original price $117.99
Original price
$117.99
$117.99 - $117.99
Current price $117.99

Insignia - 2.1 Channel Soundbar with Wireless Subwoofer DTS VirtualX Bluetooth and Dialogue Enhancement - Black

Insignia
Original price $101.99 - Original price $101.99
Original price
$101.99
$101.99 - $101.99
Current price $101.99

Dialogue EnhancementNever miss a word of your favorite show again. Our advanced dialogue enhancement technology isolates and amplifies voices ensur...

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Original price $101.99 - Original price $101.99
Original price
$101.99
$101.99 - $101.99
Current price $101.99

TCL - S45H S Class 2.0 Channel Sound Bar with Dolby Atmos DTS VirtualX and Bluetooth Music Streaming - Black

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

2.0 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 $126.99 - Original price $126.99
Original price
$126.99
$126.99 - $126.99
Current price $126.99

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

Sony
Original price $1,529.99 - Original price $1,529.99
Original price
$1,529.99
$1,529.99 - $1,529.99
Current price $1,529.99

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 $1,529.99 - Original price $1,529.99
Original price
$1,529.99
$1,529.99 - $1,529.99
Current price $1,529.99

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

XFX
Original price $563.99 - Original price $563.99
Original price
$563.99
$563.99 - $563.99
Current price $563.99

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 $563.99 - Original price $563.99
Original price
$563.99
$563.99 - $563.99
Current price $563.99

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

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

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

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

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

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

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

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

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

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

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

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

Govee - Gaming Pixel Light - Multi

Govee
Original price $128.99 - Original price $128.99
Original price
$128.99
$128.99 - $128.99
Current price $128.99

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

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

JBL
Original price $590.99 - Original price $590.99
Original price
$590.99
$590.99 - $590.99
Current price $590.99

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 $590.99 - Original price $590.99
Original price
$590.99
$590.99 - $590.99
Current price $590.99

Govee - RGBIC Curtain Lights - Multi

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

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

Govee - Dreamview TV Strip Lights for 55- 65 TVs - Multi

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

1080p Smart cameraIntelligently capture the colors on screen and automatically apply them to your lights.Segmented color controlCustomize the color...

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

JBL - BAR 500 5.1ch Soundbar with Multibeam and Dolby Atmos - Black

JBL
Original price $545.99 - Original price $545.99
Original price
$545.99
$545.99 - $545.99
Current price $545.99

Dolby Atmos and MultiBeam surround soundImmerse yourself in theater-quality 3D surround sound. Hear extraordinary sound effects from everywhere in ...

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Original price $545.99 - Original price $545.99
Original price
$545.99
$545.99 - $545.99
Current price $545.99

Govee - Smart Table Lamp 2 Pro Sound by JBL - Multi

Govee
Original price $219.99 - Original price $219.99
Original price
$219.99
$219.99 - $219.99
Current price $219.99

Sound by JBL with stereo pairingPremium JBL audio with stereo pairing for powerful immersive sound and synchronized lighting.Clearer visuals DIY21...

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Original price $219.99 - Original price $219.99
Original price
$219.99
$219.99 - $219.99
Current price $219.99

Philips - Hue Smart A19 E26 Bulb 2pk - White and Color Ambiance

Philips
Original price $136.99 - Original price $136.99
Original price
$136.99
$136.99 - $136.99
Current price $136.99

NATURAL DAYLIGHT AT HOMEThis smart bulb offers a full daylight spectrum from relaxing tones below 2700K to invigorating high-energy white light at ...

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Original price $136.99 - Original price $136.99
Original price
$136.99
$136.99 - $136.99
Current price $136.99

SteelSeries - Nimbus+ Wireless Gaming Controller for Apple iOS iPadOS tvOS Devices - Black

Steel Series
Original price $92.99 - Original price $92.99
Original price
$92.99
$92.99 - $92.99
Current price $92.99

Official Apple-licensed Wireless ConnectivityWorks flawlessly with any Apple products including iPhone iPad iPod and Apple TV.Built-in Rechargeable...

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Original price $92.99 - Original price $92.99
Original price
$92.99
$92.99 - $92.99
Current price $92.99

LG - 3.1.3 Channel SC9S Soundbar with Wireless Subwoofer Dolby Atmos WOW Orchestra - Black

LG
Original price $744.99 - Original price $744.99
Original price
$744.99
$744.99 - $744.99
Current price $744.99

WOW InterfaceNow convenience is in your hand. Control your soundbar and your LG TV with one remote179;. Adjust the volume and audio settings check ...

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Original price $744.99 - Original price $744.99
Original price
$744.99
$744.99 - $744.99
Current price $744.99

Sonos - Sub 4 Wireless Subwoofer - White

Sonos Inc
Original price $839.99 - Original price $839.99
Original price
$839.99
$839.99 - $839.99
Current price $839.99

Pulse-pounding bassDual Sonos-engineered drivers generate deep dynamic low frequencies. The ported enclosure enhances the bass response so you feel...

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Original price $839.99 - Original price $839.99
Original price
$839.99
$839.99 - $839.99
Current price $839.99

LG - 5.1.3-Channel S90TY Soundbar with Wireless Subwoofer Dolby Atmos WOW Orchestra - Black

LG
Original price $1,026.99 - Original price $1,026.99
Original price
$1,026.99
$1,026.99 - $1,026.99
Current price $1,026.99

Sound that Wraps Around YouGive yourself the home audio setup you’ve always dreamed about with rich immersive sound exceptional clarity and intense...

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Original price $1,026.99 - Original price $1,026.99
Original price
$1,026.99
$1,026.99 - $1,026.99
Current price $1,026.99

XFX - SPEEDSTER SWFT210 AMD Radeon RX 7600 Core 8GB GDDR6 PCI Express 4.0 Graphics Card - Black

XFX
Original price $382.99 - Original price $382.99
Original price
$382.99
$382.99 - $382.99
Current price $382.99

GDDR6 Memory for advanced gamingEquipped with 8GB of advanced GDDR6 memory to provide high bandwidth performance enabling 1080p performance for tod...

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Original price $382.99 - Original price $382.99
Original price
$382.99
$382.99 - $382.99
Current price $382.99

Sony - STR-AN1000 7.2 Channel Dolby Atmos Dolby Vision 8K HDR Network A/V Receiver - Black

Sony
Original price $1,104.99 - Original price $1,104.99
Original price
$1,104.99
$1,104.99 - $1,104.99
Current price $1,104.99

Step up your soundWith 165W the STR-AN1000 delivers cinema-like surround sound and crystal-clear music reproduction with powerful amplification.8K ...

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Original price $1,104.99 - Original price $1,104.99
Original price
$1,104.99
$1,104.99 - $1,104.99
Current price $1,104.99

MSI - NVIDIA RTX 3050 GAMING X 6G - 6GB GDDR6 - PCI Express 4.0 - Graphics Card - Black

MSI
Original price $273.99 - Original price $273.99
Original price
$273.99
$273.99 - $273.99
Current price $273.99

NVIDIA GeForce RTX 3050Boost Up to 1507 MHz6GB GDDR6 Memory for Advanced GamingEquipped with 6GB of advanced GDDR6 memory to provide high bandwidth...

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

Samsung - Q-series HW-Q600F ATMOS 3.1.2 Ch Soundbar with Subwoofer - Titan Black

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

True 3.1.2 Ch SoundLet the sound wash over you and dive into vivid soundscapes with theater like sound that fills the room. Bring your favorite con...

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

Yamaha - R-S202BL 200W 2-Ch. Stereo Receiver - Black

Yamaha
Original price $239.99 - Original price $239.99
Original price
$239.99
$239.99 - $239.99
Current price $239.99

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 $239.99 - Original price $239.99
Original price
$239.99
$239.99 - $239.99
Current price $239.99

MSI - MAG B850 TOMAHAWK MAX WIFI (Socket AM5) AMD B850 ATX DDR5 Wi-Fi 7 Motherboard - Black

MSI
Original price $248.99 - Original price $248.99
Original price
$248.99
$248.99 - $248.99
Current price $248.99

Processor compatibilitySupports AMD Ryzen 9000/7000 Series Desktop Processor Socket AM5Speed (memory speed supported)4 DIMMs Dual Channel DDR5-8400...

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

Yamaha - 200W 2-Ch. Stereo Receiver - Black

Yamaha
Original price $256.99 - Original price $256.99
Original price
$256.99
$256.99 - $256.99
Current price $256.99

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

ASUS - DUAL NVIDIA GeForce RTX 5050 OC Edition 8GB GDDR7 PCI Express 5.0 Graphics Card - Black

ASUS
Original price $318.99 - Original price $318.99
Original price
$318.99
$318.99 - $318.99
Current price $318.99

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 $318.99 - Original price $318.99
Original price
$318.99
$318.99 - $318.99
Current price $318.99

NZXT - H7 Flow 2024 Mid-Tower ATX PC Case - White

NZXT
Original price $96.99 - Original price $96.99
Original price
$96.99
$96.99 - $96.99
Current price $96.99

Ultimate Cooling PotentialWith the extra height from the vertical PSU layout the H7 Flow accommodates up to 420mm radiators in the front. Offering ...

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Original price $96.99 - Original price $96.99
Original price
$96.99
$96.99 - $96.99
Current price $96.99

SONOS Sub Mini Wireless Subwoofer - White

Sonos Inc
Original price $445.99 - Original price $445.99
Original price
$445.99
$445.99 - $445.99
Current price $445.99

Mini makes a big impactDual custom woofers generate deep dynamic low end that makes you feel more immersed in every scene and song.More mesmerizing...

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Original price $445.99 - Original price $445.99
Original price
$445.99
$445.99 - $445.99
Current price $445.99

SONOS Sub Mini Wireless Subwoofer - Black

Sonos Inc
Original price $451.99 - Original price $451.99
Original price
$451.99
$451.99 - $451.99
Current price $451.99

Mini makes a big impactDual custom woofers generate deep dynamic low end that makes you feel more immersed in every scene and song.More mesmerizing...

View full details
Original price $451.99 - Original price $451.99
Original price
$451.99
$451.99 - $451.99
Current price $451.99

SAMSUNG Q-series ATMOS 3.1.2 Ch Soundbar with Subwoofer - Titan Black

Samsung
Original price $589.99 - Original price $589.99
Original price
$589.99
$589.99 - $589.99
Current price $589.99

True 3.1.2 Ch SoundLet the sound wash over you and dive into vivid soundscapes with theater like sound that fills the room. Bring your favorite con...

View full details
Original price $589.99 - Original price $589.99
Original price
$589.99
$589.99 - $589.99
Current price $589.99

Samsung HW-LS60D - speaker - wireless

Samsung
Original price $474.99 - Original price $474.99
Original price
$474.99
$474.99 - $474.99
Current price $474.99

Customizable DesignPump up the volume on your personality. Swap a different color bezel to match your space and showcase your personal artwork phot...

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

Philips - Hue 75" Play Gradient Lightstrip - White and Color Ambiance

Philips
Original price $376.99 - Original price $376.99
Original price
$376.99
$376.99 - $376.99
Current price $376.99

Seamlessly blend colorsGet a seamless blend of multiple colors of light at the same time in a single LED strip. The colors flow together naturally ...

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Original price $376.99 - Original price $376.99
Original price
$376.99
$376.99 - $376.99
Current price $376.99

ASUS TUF GAMING Z790-PLUS WIFI - motherboard - ATX - LGA1700 Socket - Z790

ASUS
Original price $287.99 - Original price $287.99
Original price
$287.99
$287.99 - $287.99
Current price $287.99

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
Original price
$287.99
$287.99 - $287.99
Current price $287.99

MSI - MAG A850GL PCIE5 850W ATX 3.1 PCIe 5.1 Ready Full Modular 80 Plus Gold Gaming Power Supply - Black

MSI
Original price $147.99 - Original price $147.99
Original price
$147.99
$147.99 - $147.99
Current price $147.99

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

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.