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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 $681.99 - Original price $681.99
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Denon - AVR-S970H 90W 7 Ch Bluetooth Capable HDR Compatible with HEOS and Dolby Atmos 8K Ultra HD AV Home Theater Receiver - Black

Denon

Unmatched Cinematic ExperienceThe Denon AVR-S970H (90W X 7) delivers immersive surround sound pristine video quality and smooth animations with Dol...

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Original price $681.99 - Original price $681.99
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Original price $225.99 - Original price $225.99
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Nanoleaf - Shapes Ultra Black Hexagons Smarter Kit (9 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 $225.99 - Original price $225.99
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Original price $43.99 - Original price $43.99
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Thermaltake - CT 120 ARGB Sync 120mm Cooling Fan with Daisy-Chain Design (2-Pack) - Black

Thermal Take

ARGB simplifiedWith 9 addressable LEDs control up to 16.8 million colors to showcase your setup.Fine tuned 7-blade designDesign for optimized CFM a...

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Original price $43.99 - Original price $43.99
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Original price $162.99 - Original price $162.99
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$162.99
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AMD - Ryzen 5 4500 3.6 GHz Six-Core AM4 Processor - Black

AMD

Designed for socket AM4 motherboards and featuring the 7nm Zen 2 architecture this 4th generation processor is designed to provide fast power effic...

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Original price $162.99 - Original price $162.99
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Original price $160.99 - Original price $160.99
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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 $160.99 - Original price $160.99
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Original price $75.99 - Original price $75.99
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Philips - Hue A19 Bluetooth 75W Smart LED Bulb - 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 $75.99 - Original price $75.99
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Original price $226.99 - Original price $226.99
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JBL - 2.0 Channel All-in-One Soundbar (MK2) - Black

JBL

Deep bassEnhance the drama of a tense thriller feel the roar of your team or sit back with your latest album. The JBL Bar 2.0 All-in-One really is ...

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Original price $226.99 - Original price $226.99
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Original price $80.99 - Original price $80.99
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Philips - Hue Bridge - White

Philips

Includes one Philips Hue BridgeUnlock the power of Hue and enjoy the full suite of features for a premium smart lighting experience.Secure and stab...

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Original price $80.99 - Original price $80.99
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Apple - Siri Remote (3rd Generation)(Latest Model) - Silver

Apple

Depth 0.36 inch (9.25 mm)Height 5.4 inches (136 mm)Weight 2.3 ounces (66 g)Width 1.4 inches (35 mm)Communication and Connections Microphone for Sir...

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Apple - TV 4K 64GB (3rd generation)(Latest Model) - Wi-Fi - Black

Apple

4K Dolby Vision and HDR10+ for vivid picture qualityDolby Atmos for three-dimensional theater-like soundIncredible power with the A15 Bionic chipSi...

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Original price $166.99 - Original price $166.99
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Original price $189.99 - Original price $189.99
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Apple - TV 4K 128GB (3rd generation)(Latest Model) - Wi-Fi + Ethernet - Black

Apple

4K Dolby Vision and HDR10+ for vivid picture qualityDolby Atmos for three-dimensional theater-like soundIncredible power with the A15 Bionic chipSi...

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Original price $189.99 - Original price $189.99
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Original price $646.99 - Original price $646.99
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Sony - XP700 Portable Bluetooth Party Speaker with Water Resistance - Black

Sony

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 $646.99 - Original price $646.99
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Original price $519.99 - Original price $519.99
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Onkyo - TX-NR5100 80W 7.2-Ch. with Dolby Atmos Home Theater and Gaming AV Receiver with Alexa Compatible - Black

Onkyo

Ultimate 4K/120AB Gaming Experience4K/120AB enables ultra-fast motion UHD images to be crisp and razor-sharp; and sports action movies and high-per...

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Original price $519.99 - Original price $519.99
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Original price $629.99 - Original price $629.99
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Yamaha - RX-V6A 7.2-channel AV Receiver with 8K HDMI and MusicCast - Black

Yamaha

Surround Sound7.2-channel powerful surround sound with Zone 28K4K/60 4K/120AB 8K/60B HDMI 2.1 with HDCP 2.3 and eARC (7-in/1-out).Wireless Streamin...

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Original price $431.99 - Original price $431.99
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Yamaha - RX-V4A 5.2-channel AV Receiver with 8K HDMI and MusicCast - Black

Yamaha

Surround Sound5.2-channel with 80W + 80W amplifier8K4K/60 4K/120AB 8K/60B HDMI 2.1 with HDCP 2.3 and eARC (4-in/1-out).Wireless StreamingWi-Fi AirP...

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Original price $431.99 - Original price $431.99
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Original price $98.99 - Original price $98.99
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Govee - Wi-Fi Bluetooth Smart String Bulbs - 48 feet - Multi

Govee

Smart app and voice control with AlexaIndependently control the color of each LED string light using Govee Home App for fantastic multicolor displa...

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Original price $98.99 - Original price $98.99
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Original price $192.99 - Original price $192.99
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Philips - Hue Play Smart LED Bar Light (2-Pack) - White and Color Ambiance

Philips

Small but mightyA versatile lamp available in black or white the Play light bars enhance any entertainment setup.Personalize your playtimeUse the P...

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Original price $192.99 - Original price $192.99
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Original price $313.99 - Original price $313.99
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Sony - HT-S400 2.1ch Soundbar with powerful wireless Subwoofer - Black

Sony

S-Force PRO Front Surround and Dolby DigitalThe soundbar couples high-quality Dolby Digital with S-Force PRO Front Surround our virtual surround s...

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Original price $313.99 - Original price $313.99
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Original price $81.99 - Original price $81.99
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Govee - RGBIC Neon Rope Light - 6.5 Ft - Multi

Govee

Segmented RGBIC EffectsUse the Govee Home App to access a selection of lighting effects that best suits your personal aesthetic. Your light will gl...

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Original price $81.99 - Original price $81.99
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Original price $214.99 - Original price $214.99
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Philips - Hue Ambiance Gradient Bluetooth Lightstrip 80-inch Base Kit - Multi

Philips

Seamlessly blend colorsGet a seamless blend of multiple colors of light at the same time in a single LED strip.Colorful smart lightingInstantly set...

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Original price $214.99 - Original price $214.99
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Original price $344.99 - Original price $344.99
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Philips - Hue Play Gradient Lightstrip 75" - White

Philips

Take the excitement of surround lighting to the next level with the Philips Hue Play gradient lightstrip. This LED strip flawlessly blends multiple...

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Original price $344.99 - Original price $344.99
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Original price $461.99 - Original price $461.99
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LG - XBOOM XL7 Portable Tower Party Speaker with Pixel LED - Black

LG

Pixel LED LightingPersonalize your LG XBOOM experience with custom text and visual effects . Choose from a library of animations patterns character...

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Original price $461.99 - Original price $461.99
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Original price $416.99 - Original price $416.99
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Sony - SA-RS3S Wireless Rear Speaker - Black

Sony

Optional wireless rear speakers for Sony HT-A9000/A8000/A3000 SoundbarExperience cinematic surround sound taken to a new level with the SA-RS3S wir...

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Original price $416.99 - Original price $416.99
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Original price $75.99 - Original price $75.99
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SteelSeries - Nimbus+ Wireless Gaming Controller for Apple iOS iPadOS tvOS Devices - Black

Steel Series

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 $75.99 - Original price $75.99
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Original price $239.99 - Original price $239.99
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Nanoleaf - Elements Hexagons Smarter Kit (7 Panels) - Wood Look

Nanoleaf

Nature-inspired smart decorPerfect for elevating home decor creating a cozy ambiance in the room finding inspiration.Bespoke Lighting DesignsThe pe...

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Original price $239.99 - Original price $239.99
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Original price $40.99 - Original price $40.99
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General Electric - CYNC 1-Camera Outdoor Wired Security Camera - BLACK

General Electric

Multiple storage optionsAll content can be stored in the Cloud using two-factor authentication or locally on a built-in SD drive (SD card sold sepa...

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Original price $40.99 - Original price $40.99
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Original price $479.99 - Original price $479.99
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Sonos - Sub Mini Dual 6" Wifi Subwoofer - Black

Sonos Inc

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 $479.99 - Original price $479.99
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Original price $479.99 - Original price $479.99
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Sonos - Sub Mini Dual 6" Wifi Subwoofer - White

Sonos Inc

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 $479.99 - Original price $479.99
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Original price $92.99 - Original price $92.99
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$92.99
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Philips - Hue A19 Bluetooth 75W Smart LED Starter Kit - White

Philips

Kickstart your smart lightingEach Philips Hue starter kit comes with a unique combination of lights accessories and a Hue Bridge to give you everyt...

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Original price $92.99 - Original price $92.99
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$92.99
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Original price $68.99 - Original price $68.99
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$68.99
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Insignia - 2.0-Channel Soundbar - Black

Insignia

Improve your home theater systemEnjoy incredible audio and enhance your TV watching movie viewing or music listening experience with 40 W of total ...

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Original price $68.99 - Original price $68.99
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Original price $359.99 - Original price $359.99
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$359.99
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Sony - HT-S2000 Compact 3.1ch Dolby Atmos Soundbar - Black

Sony

Immersive surround soundSony technology brings an all-new theater experience home. Our Vertical Surround Engine and S-Force PRO Front Surround in t...

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Original price $359.99 - Original price $359.99
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Original price $566.99 - Original price $566.99
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Sony - HTA3000 3.1 ch Dolby Atmos Soundbar - Black

Sony

Immersive surround sound from our premium soundbarUtilizing a combination of technology such as Vertical Surround Engine S-Force Pro Front Surround...

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Original price $566.99 - Original price $566.99
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Original price $1,049.99 - Original price $1,049.99
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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 $1,049.99 - Original price $1,049.99
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Original price $392.99 - Original price $392.99
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$392.99
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XFX - SPEEDSTER SWFT210 AMD Radeon RX 6650XT Core 8GB GDDR6 PCI Express 4.0 Gaming Graphics Card - Black

XFX

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 $392.99 - Original price $392.99
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$392.99
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Original price $761.99 - Original price $761.99
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$761.99
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Sony SRS-XV800 - party speaker - for portable use - wireless

Sony

Fill your room with Omnidirectional party soundWith five tweeters between the front and rear the XV800 omnidirectional speaker powers your party an...

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Original price $761.99 - Original price $761.99
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$761.99
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Current price $761.99
Original price $126.99 - Original price $126.99
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$126.99
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Current price $126.99

GE - CYNC 16 foot Outdoor Wet Rated Bluetooth/Wi-Fi Color Changing Smart LED Light Strip - Full Color

GE

Millions of Vibrant ColorsUse the Cync App's color wheel and TRUEImage technology to easily select colors change modes adjust brightness smart timi...

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

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.