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  • Original price $488.99 - Original price $488.99
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    Sonos - Five Wireless Smart Speaker - White

    Sonos Inc

    Voice controlWirelessly connect a voice enabled device such as Amazon Echo Dot or Google Home Mini for hands-free control of your music and more.Ap...

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    Original price $488.99 - Original price $488.99
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  • Original price $700.99 - Original price $700.99
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    DENON AVR-S770H 7.2

    Denon

    Unmatched Cinematic Experience in 8KEnjoy crisp clean graphics and smooth animations with 8K/60Hz and 4K/120Hz pass-through with the Denon 7.2-Ch A...

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    Original price $700.99 - Original price $700.99
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  • Original price $416.99 - Original price $416.99
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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 $416.99 - Original price $416.99
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  • Original price $517.99 - Original price $517.99
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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 $517.99 - Original price $517.99
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  • Original price $406.99 - Original price $406.99
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    Sonos - Era 300 Speaker (Each) - Black

    Sonos Inc

    Take your spatial audio experience above and beyondFeaturing six optimally positioned drivers all around the front sides and top to support Dolby A...

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    Original price $406.99 - Original price $406.99
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    Sonos - Era 300 Speaker (Each) - White

    Sonos Inc

    Take your spatial audio experience above and beyondFeaturing six optimally positioned drivers all around the front sides and top to support Dolby A...

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    Original price $406.99 - Original price $406.99
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  • Original price $628.99 - Original price $628.99
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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 $628.99 - Original price $628.99
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  • Original price $378.99 - Original price $378.99
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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 $378.99 - Original price $378.99
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  • Original price $193.99 - Original price $193.99
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    MSI - B550 GAMING PLUS (Socket AM4) USB-C Gen 2 AMD ATX GAMING Motherboard PCIE Gen 4 - Black

    MSI

    The MAG series was born through rigorous quality testing and designed to be a symbol of sturdiness and durability. Focused on providing the best us...

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    Original price $193.99 - Original price $193.99
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  • Original price $243.99 - Original price $243.99
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    Sonos - Era 100 Speaker (Each) - Black

    Sonos Inc

    Superb sonic powerNext-gen acoustics bring your music to life with detailed stereo separation and deep bass at any volume.Minor scale for major ver...

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    Original price $243.99 - Original price $243.99
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    Sonos - Era 100 Speaker (Each) - White

    Sonos Inc

    Superb sonic powerNext-gen acoustics bring your music to life with detailed stereo separation and deep bass at any volume.Minor scale for major ver...

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    Original price $243.99 - Original price $243.99
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    $243.99
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  • Original price $729.99 - Original price $729.99
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    Sony - STR-AN1000 7.2 Channel Dolby Atomos Dolby Vision 8K HDR Network A/V Receiver - Black

    Sony

    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 $729.99 - Original price $729.99
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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 $359.99 - Original price $359.99
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    $359.99
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    Samsung - 2.0.2-Channel Wireless Rear Speaker Kit with 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 $158.99 - Original price $158.99
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    $158.99
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    GE - CYNC Smart Programmable Thermostat - White

    GE

    Set your optimal temperaturePreset the ideal temperature around your schedule and adjust the temp away from home through the CYNC appVoice control ...

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    Original price $158.99 - Original price $158.99
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  • Original price $230.99 - Original price $230.99
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    $230.99
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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 $230.99 - Original price $230.99
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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 $92.99 - Original price $92.99
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    Philips - Hue Ambiance Gradient Bluetooth Lightstrip 40-inch Extension - White

    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 $92.99 - Original price $92.99
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  • Original price $344.99 - Original price $344.99
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    Philips - Hue Play Gradient Lightstrip 75" - White

    Philips

    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 $344.99 - Original price $344.99
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  • Original price $232.99 - Original price $232.99
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    Philips - Hue Play Gradient Lightstrip 65" - Multi

    Philips

    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 $232.99 - Original price $232.99
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  • Original price $81.99 - Original price $81.99
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    Govee - Wi-Fi 1200LM RGBWW LED Bulb (4-Pack) - RGB

    Govee

    Reliable BrightnessWith over 1200 Lumens these smart bulbs can brighten your home than most bulbs currently on the market. These RGB 12W bulbs have...

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    Original price $81.99 - Original price $81.99
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  • Original price $335.99 - Original price $335.99
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    Onkyo - TX-SR494 7.2-Channel A/V Receiver - Black

    Sanus Systems

    Ready for 4K HDR entertainmentEnjoy support for HDR video including HDR10 HLG Dolby Vision and BT.2020. The 444 color space is also supported. Six ...

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    Original price $335.99 - Original price $335.99
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  • Original price $194.99 - Original price $194.99
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    Google - Nest Protect 2nd Generation (Battery) Smart Smoke/Carbon Monoxide Alarm - White

    Nest

    Protect your loved ones and your homeDetects levels of smoke and carbon monoxide within the home and tests itself automatically.Receive clear direc...

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    Original price $194.99 - Original price $194.99
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  • Original price $259.99 - Original price $259.99
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    MSI - MAG B650 Tomahawk WIFI (Socket LGA 1718) USB 3.2 AMD Motherboard - Black

    MSI

    The MAG series fights aloneside gamers in pursuit of honor. With added military-inspired elements in these gaming products they were reborn as the ...

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    Original price $259.99 - Original price $259.99
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  • Original price $420.99 - Original price $420.99
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    MSI - MPG Z790 EDGE WIFI (Socket LGA 1700) USB 3.2 Intel Motherboard - Black

    MSI

    The MPG series brings out fashionable products by showing extremely unique styles and expressing a conceited attitude towards the challenge of the ...

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    Original price $420.99 - Original price $420.99
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  • Original price $340.99 - Original price $340.99
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    MSI - MAG Z790 TOMAHAWK WIFI DDR4 Socket 1700 USB 3.2 Intel Motherboard - Black

    MSI

    Processor CompatibilitySupports 12th/13th Gen Intel Core Processors Pentium Gold and Celeron ProcessorsGraphicsIntegrated Graphics ProcessorDDR4 me...

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    Original price $340.99 - Original price $340.99
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  • Original price $462.99 - Original price $462.99
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    ASUS - ROG STRIX Z790-E GAMING WIFI (Socket LGA 1700) USB 3.2 Intel Motherboard

    ASUS

    The flagship ROG Strix Z790-E Gaming WiFi motherboard is designed with boosted power delivery and optimized cooling to cope with the demands of pow...

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    Original price $462.99 - Original price $462.99
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  • Original price $630.99 - Original price $630.99
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    ASUS - ROG MAXIMUS Z790 HERO (Socket LGA 1700) USB 3.2 Intel Motherboard

    ASUS

    ROG provides you with the very best gaming-audio inputs and outputs with special shielded designs and a collection of carefully selected profession...

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    Original price $630.99 - Original price $630.99
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  • Original price $329.99 - Original price $329.99
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    ASUS - TUF GAMING X670E-PLUS WIFI (Socket AM5) AMD Ryzen 7000 Series ATX Motherboard

    ASUS

    ASUS TUF GAMING X670E-PLUS WIFI takes all the essential elements of the latest AMD Ryzen 7000-series processors and combines them with game-ready f...

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    Original price $329.99 - Original price $329.99
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  • Original price $457.99 - Original price $457.99
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    XFX - Speedster SWFT319 AMD Radeon RX 6800 16GB GDDR6 PCI Express 4.0 Gaming Graphics Card

    XFX

    Powered by the AMD Radeon RX 6800 graphics processing unit (GPU)With a 2190MHz boost clock speed you are able to elevate and unify visuals and game...

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    Original price $457.99 - Original price $457.99
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  • Original price $445.99 - Original price $445.99
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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 $445.99 - Original price $445.99
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  • Original price $359.99 - Original price $359.99
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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 $359.99 - Original price $359.99
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  • Original price $92.99 - Original price $92.99
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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 $92.99 - Original price $92.99
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    $92.99
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  • Original price $197.99 - Original price $197.99
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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 $197.99 - Original price $197.99
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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.