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Air Conditioners

Air Conditioners

Stay Cool with a Lease-to-Own Air Conditioner

Air conditioners have come a long way! Time to upgrade to a modern, energy-efficient a/c unit with smarthome features. Whether you need a window air conditioner, dehumidifier, or portable air conditioning unit, we have a variety of options from trusted brands like LG, Honeywell, Frigidaire, and more. With our lease-to-own payment plans, you can keep your home comfortable without the large upfront cost. Our selection the latest in energy-efficient technology, and enjoy the flexibility of affordable monthly payments, plus FREE SHIPPING. 

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TCL - 450 Sq. Ft. 10000 BTU Smart Through-the-Wall Air Conditioner with Wi-Fi and Remote - White

TCL
Original price $763.99 - Original price $763.99
Original price
$763.99
$763.99 - $763.99
Current price $763.99

Maximum PerformanceThe 10000 BTU air conditioner is powerful enough to cool rooms up to 450 sq. ft. and features multiple fan speeds that allow you...

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Original price $763.99 - Original price $763.99
Original price
$763.99
$763.99 - $763.99
Current price $763.99

Frigidaire - 115V 8000 BTU 350 Sq. Ft. Smart In Wall Air Conditioner - White

Frigidaire
Original price $907.99 - Original price $907.99
Original price
$907.99
$907.99 - $907.99
Current price $907.99

Enjoy Better AirThis wall mounted air conditioner comes with a built-in air ionizer that reduces airborne particles to improve your air quality so ...

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Original price $907.99 - Original price $907.99
Original price
$907.99
$907.99 - $907.99
Current price $907.99

TCL - 450 Sq. Ft. 10000 BTU Smart Window Air Conditioner - White

TCL
Original price $424.99 - Original price $424.99
Original price
$424.99
$424.99 - $424.99
Current price $424.99

Maximum PerformanceThe 10000 BTU window air conditioner is powerful enough to cool rooms up to 450 sq. ft. and features multiple fan speeds that al...

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Original price $424.99 - Original price $424.99
Original price
$424.99
$424.99 - $424.99
Current price $424.99

TCL - 450 Sq. Ft. 10000 BTU Smart 230V Through-the-Wall Air Conditioner with Wi-Fi and Remote - White

TCL
Original price $763.99 - Original price $763.99
Original price
$763.99
$763.99 - $763.99
Current price $763.99

Maximum PerformanceThe 10000 BTU air conditioner is powerful enough to cool rooms up to 450 sq. ft. and features multiple fan speeds that allow you...

View full details
Original price $763.99 - Original price $763.99
Original price
$763.99
$763.99 - $763.99
Current price $763.99

TCL - 450 Sq. Ft. 10000 BTU Smart 230V Through-the-Wall Air Conditioner with 8600 BTU Supplemental Heat Function - White

TCL
Original price $773.99 - Original price $773.99
Original price
$773.99
$773.99 - $773.99
Current price $773.99

Maximum PerformanceThe 10000 BTU air conditioner is powerful enough to cool rooms up to 450 sq. ft. and features multiple fan speeds that allow you...

View full details
Original price $773.99 - Original price $773.99
Original price
$773.99
$773.99 - $773.99
Current price $773.99

LG LW1016ER - air conditioner

LG
Original price $574.99 - Original price $574.99
Original price
$574.99
$574.99 - $574.99
Current price $574.99

LG LW1016ER - Air conditioner - window mounted - 12 EER - white

Original price $574.99 - Original price $574.99
Original price
$574.99
$574.99 - $574.99
Current price $574.99

Keystone - Energy Star 12000 BTU 230V Through-the-Wall Air Conditioner with Follow Me LCD Remote Control - White

Keystone
Original price $763.99 - Original price $763.99
Original price
$763.99
$763.99 - $763.99
Current price $763.99

Energy Star RatedWith a 10.5 energy efficiency ratio (EER) this 12000 BTU through the wall air conditioner can effectively cool rooms up to 550 sq....

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Original price $763.99 - Original price $763.99
Original price
$763.99
$763.99 - $763.99
Current price $763.99

LG - 1000 Sq. Ft. 18000 BTU 230V Smart Inverter Window Air Conditioner - White

LG
Original price $930.99 - Original price $930.99
Original price
$930.99
$930.99 - $930.99
Current price $930.99

Smart phone controlEffortlessly control your air conditioner from anywhere using your smartphone Google Assistant or Amazon Alexa with the LG ThinQ...

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Original price $930.99 - Original price $930.99
Original price
$930.99
$930.99 - $930.99
Current price $930.99

GE - 450 Sq. Ft. 10100 BTU Smart Window Air Conditioner - White

GE
Original price $463.99 - Original price $463.99
Original price
$463.99
$463.99 - $463.99
Current price $463.99

Cools Medium Rooms10000 BTU cooling capacity offers maximum comfort in rooms up to 450 square feet.Built-In WiFiUse the SmartHQ app to control and ...

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Original price $463.99 - Original price $463.99
Original price
$463.99
$463.99 - $463.99
Current price $463.99

GE - 550 Sq. Ft. 12000 BTU Smart Window Air Conditioner - White

GE
Original price $506.99 - Original price $506.99
Original price
$506.99
$506.99 - $506.99
Current price $506.99

Cools Large Rooms12000 BTU cooling capacity offers maximum comfort in rooms up to 550 square feet.Built-In WiFiUse the SmartHQ app to control and m...

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Original price $506.99 - Original price $506.99
Original price
$506.99
$506.99 - $506.99
Current price $506.99

LG - 330 Sq. Ft. 8000 BTU In Wall Air Conditioner with Remote - White

LG
Original price $781.99 - Original price $781.99
Original price
$781.99
$781.99 - $781.99
Current price $781.99

Energy Efficient R-32 RefrigerantWith an energy efficiency ratio (EER) of 10.7 this wall mounted ac unit employs the most efficient refrigerant cur...

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Original price $781.99 - Original price $781.99
Original price
$781.99
$781.99 - $781.99
Current price $781.99

GE - 700 Sq. Ft. 14000 BTU Smart Window Air Conditioner - White

GE
Original price $603.99 - Original price $603.99
Original price
$603.99
$603.99 - $603.99
Current price $603.99

Cools Large Rooms14000 BTU cooling capacity offers maximum comfort in rooms up to 700 square feet.Built-In WiFiUse the SmartHQ app to control and m...

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Original price $603.99 - Original price $603.99
Original price
$603.99
$603.99 - $603.99
Current price $603.99

TCL - 250 Sq. Ft. 6000 BTU Smart Portable Air Conditioner 3-in-1 with AC Fan Dehumidifier - White

TCL
Original price $328.99 - Original price $328.99
Original price
$328.99
$328.99 - $328.99
Current price $328.99

Three-in-one ComfortOne AC to do it all powerful cooling comfortable fan circulation and effective dehumidifying moisture control.App Voice Contr...

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Original price $328.99 - Original price $328.99
Original price
$328.99
$328.99 - $328.99
Current price $328.99

GE Profile - ClearView 450 Sq. Ft. 10300 BTU Smart Ultra Quiet Window Air Conditioner - White

GE Profile
Original price $769.99 - Original price $769.99
Original price
$769.99
$769.99 - $769.99
Current price $769.99

Full window viewThis GE Profile window air conditioner sits over the windowsill and is designed to maintain the full view through the window allowi...

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Original price $769.99 - Original price $769.99
Original price
$769.99
$769.99 - $769.99
Current price $769.99

GE - Dual Hose Conversion Kit for Select Portable Air Conditioners - White

GE
Original price $84.99 - Original price $84.99
Original price
$84.99
$84.99 - $84.99
Current price $84.99

Better Faster CoolingProvides up to 3X185; better cooling experience allowing your room to cool faster and more uniformly (185;for 7500 SACC tested...

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Original price $84.99 - Original price $84.99
Original price
$84.99
$84.99 - $84.99
Current price $84.99

LG - 14000 BTU 700 Sq. Ft. 230V In Wall Air Conditioner with Remote - White

LG
Original price $985.99 - Original price $985.99
Original price
$985.99
$985.99 - $985.99
Current price $985.99

Customizable Cooling with Three Fan SpeedsAdjust your cooling experience with three cooling and fan speeds including the convenience of Auto Cool a...

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Original price $985.99 - Original price $985.99
Original price
$985.99
$985.99 - $985.99
Current price $985.99

GE - 150 Sq. Ft 5000 BTU Window Air Conditioner - White

GE
Original price $207.99 - Original price $207.99
Original price
$207.99
$207.99 - $207.99
Current price $207.99

Cools Small Rooms5000 BTU cooling capacity offers maximum comfort in rooms up to 150 square feet.Maximum Comfort CoolKeep home comfortable and maxi...

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Original price $207.99 - Original price $207.99
Original price
$207.99
$207.99 - $207.99
Current price $207.99

TCL - 450 Sq. Ft. 10000 BTU Smart Portable Air Conditioner 3-in-1 with AC Fan Dehumidifier - White

TCL
Original price $646.99 - Original price $646.99
Original price
$646.99
$646.99 - $646.99
Current price $646.99

Three-in-one ComfortOne AC to do it all powerful cooling comfortable fan circulation and effective dehumidifying moisture control.App Voice Contr...

View full details
Original price $646.99 - Original price $646.99
Original price
$646.99
$646.99 - $646.99
Current price $646.99

Insignia - 250 Sq. Ft. Portable Air Conditioner - White

Insignia
Original price $441.99 - Original price $441.99
Original price
$441.99
$441.99 - $441.99
Current price $441.99

Up to 250 sq. ft. cooling capacityAllows you to keep a medium-sized room cool.6000 BTUs of cooling powerHelp keep your space at a comfortable tempe...

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Original price $441.99 - Original price $441.99
Original price
$441.99
$441.99 - $441.99
Current price $441.99

Frigidaire - 8000 BTU 350 Sq. Ft. Smart Window Air Conditioner with Remote - White

Frigidaire
Original price $308.99 - Original price $308.99
Original price
$308.99
$308.99 - $308.99
Current price $308.99

Cool Off Bedrooms Home OfficesThis 8000 BTU window air conditioner cools rooms up to 350 sq ft making it a great fit for bedrooms small home offic...

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Original price $308.99 - Original price $308.99
Original price
$308.99
$308.99 - $308.99
Current price $308.99

TCL - 450 Sq. Ft. 10000 BTU 3-in-1 Smart Portable Air Conditioner - White

TCL
Original price $678.99 - Original price $678.99
Original price
$678.99
$678.99 - $678.99
Current price $678.99

Compact Design. Powerful Performance.Powerfully cools up to 450 sq. ft. with a compact footprint that is only 14.1in x 16.5in perfect for living ro...

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Original price $678.99 - Original price $678.99
Original price
$678.99
$678.99 - $678.99
Current price $678.99

GE - 350 Sq. Ft. 8000 BTU Smart Window Air Conditioner - White

GE
Original price $265.99 - Original price $265.99
Original price
$265.99
$265.99 - $265.99
Current price $265.99

Cools Medium Rooms8000 BTU cooling capacity offers maximum comfort in rooms up to 350 square feet.Built-In WiFiUse the SmartHQ app to control and m...

View full details
Original price $265.99 - Original price $265.99
Original price
$265.99
$265.99 - $265.99
Current price $265.99

GE Profile - ClearView 350 Sq. Ft. 8300 BTU Smart Ultra Quiet Window Air Conditioner - White

GE Profile
Original price $552.99 - Original price $552.99
Original price
$552.99
$552.99 - $552.99
Current price $552.99

Full Window ViewThis GE Profile window air conditioner is designed to maintain the view through the window letting it open freely after you install...

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Original price $552.99 - Original price $552.99
Original price
$552.99
$552.99 - $552.99
Current price $552.99

Amana - 550 Sq. Ft. 12000 BTU Window Air Conditioner - White

Amana
Original price $592.99 - Original price $592.99
Original price
$592.99
$592.99 - $592.99
Current price $592.99

Powerful cooling capacityThe 12000 BTU window air conditioner is powerful enough to cool rooms up to 550 sq. ft. with 2.6 pints per hour of dehumid...

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Original price $592.99 - Original price $592.99
Original price
$592.99
$592.99 - $592.99
Current price $592.99

GE - 250 Sq. Ft. 6000 BTU Window Air Conditioner - White

GE
Original price $229.99 - Original price $229.99
Original price
$229.99
$229.99 - $229.99
Current price $229.99

Cools Small Rooms6000 BTU cooling capacity offers maximum comfort in rooms up to 250 square feet.Maximum Comfort CoolKeep home comfortable and maxi...

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Original price $229.99 - Original price $229.99
Original price
$229.99
$229.99 - $229.99
Current price $229.99

Keystone - 8000 BTU 350 Sq. Ft Window Mounted Inverter Air Conditioner with Remote Control - White

Keystone
Original price $309.99 - Original price $309.99
Original price
$309.99
$309.99 - $309.99
Current price $309.99

Cooling PowerThis Energy Star rated air conditioner has 8000 BTUs of cooling power has 3 fan speeds and dehumidifies the air up to 1.2 pints per ho...

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Original price $309.99 - Original price $309.99
Original price
$309.99
$309.99 - $309.99
Current price $309.99

LG - 450 Sq. Ft. 10000 BTU Smart Inverter Window Air Conditioner - White

LG
Original price $664.99 - Original price $664.99
Original price
$664.99
$664.99 - $664.99
Current price $664.99

Ultra quiet operationRevolutionary 10000 BTU dual inverter technology gives powerful yet silent performance operating at sound levels as low as 44d...

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Original price $664.99 - Original price $664.99
Original price
$664.99
$664.99 - $664.99
Current price $664.99

Frigidaire - 250 Sq. Ft. 6000 BTU Window-Mounted Air Conditioner - White

Frigidaire
Original price $282.99 - Original price $282.99
Original price
$282.99
$282.99 - $282.99
Current price $282.99

3-in-1 Window Air ConditionerDesigned for rooms up to 250 square feet this air conditioner window unit features digital temperature controls with 6...

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Original price $282.99 - Original price $282.99
Original price
$282.99
$282.99 - $282.99
Current price $282.99

TCL - 350 Sq. Ft. 8000 BTU Smart Portable Air Conditioner 3-in-1 with AC Fan Dehumidifier - White

TCL
Original price $530.99 - Original price $530.99
Original price
$530.99
$530.99 - $530.99
Current price $530.99

Three-in-one ComfortOne AC to do it all powerful cooling comfortable fan circulation and effective dehumidifying moisture control.App Voice Contr...

View full details
Original price $530.99 - Original price $530.99
Original price
$530.99
$530.99 - $530.99
Current price $530.99

TCL - 450 Sq. Ft. 10000 BTU Q-Series Ultra-Quiet Dual Hose Inverter Smart Portable Air Conditioner - White

TCL
Original price $745.99 - Original price $745.99
Original price
$745.99
$745.99 - $745.99
Current price $745.99

RAPIDCOMFORT+ Dual Hose DesignEngineered to cool faster and more efficiently by keeping cool air sealed in and preventing hot outdoor air from bein...

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Original price $745.99 - Original price $745.99
Original price
$745.99
$745.99 - $745.99
Current price $745.99

GE - 150 Sq. Ft. 5000 BTU Portable Air Conditioner with Auto Evaporation Technology - White

GE
Original price $334.99 - Original price $334.99
Original price
$334.99
$334.99 - $334.99
Current price $334.99

Cools Small RoomsDelivers 5000 BTU cooling capacity for small rooms up to 150 square feet.3-in-1 Portable Air ConditionerBuilt-in air conditioning ...

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Original price $334.99 - Original price $334.99
Original price
$334.99
$334.99 - $334.99
Current price $334.99

Insignia - 350 Sq. Ft. 8000 BTU Portable Air Conditioner - White

Insignia
Original price $518.99 - Original price $518.99
Original price
$518.99
$518.99 - $518.99
Current price $518.99

Up to 350 sq. ft. cooling capacityAllows you to keep a medium-sized room cool.3-in-1 climate controlGet high power cooling dehumidifying and fan mo...

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Original price $518.99 - Original price $518.99
Original price
$518.99
$518.99 - $518.99
Current price $518.99

GE - 350 Sq. Ft. 8500 BTU Smart Portable Air Conditioner - White

GE
Original price $587.99 - Original price $587.99
Original price
$587.99
$587.99 - $587.99
Current price $587.99

Cools Medium Rooms8000 BTU class cooling capacity offers maximum comfort in rooms up to 350 square feet (8100 BTU DOE).3-in-1 Portable Air Conditio...

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Original price $587.99 - Original price $587.99
Original price
$587.99
$587.99 - $587.99
Current price $587.99

GE - 300 Sq. Ft. 7500 BTU Smart Portable Air Conditioner - White

GE
Original price $504.99 - Original price $504.99
Original price
$504.99
$504.99 - $504.99
Current price $504.99

Cools Small Rooms7000 BTU class cooling capacity offers maximum comfort in rooms up to 300 square feet (7550 BTU DOE).3-in-1 Portable Air Condition...

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Original price $504.99 - Original price $504.99
Original price
$504.99
$504.99 - $504.99
Current price $504.99

TCL - 300 Sq. Ft. 7000 BTU 3-in-1 Smart Portable Air Conditioner - White

TCL
Original price $366.99 - Original price $366.99
Original price
$366.99
$366.99 - $366.99
Current price $366.99

Ultra-Compact Design. Same Powerful Performance.Powerfully cools up to 300 sq. ft. with an ultra-compact footprint that is only 15.3 x 14.0 x 24.8 ...

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Original price $366.99 - Original price $366.99
Original price
$366.99
$366.99 - $366.99
Current price $366.99

Afford That Air Conditioner Now with a Lease-to-Own Plan

When a heatwave hits, you want to get that A/C unit without delay. You can get a modern and effective window or wall air conditioner, portable air conditioner, or dehumidifier NOW with a little help from Finance My cart. Our assortment includes top brands like GE, Danby, LG, Newair, TCL, and more. Enjoy premium smarthome capabilities like Alexa integration and remote control—all with easy lease-to-own payment plans and free shipping. No matter your credit history, our financing options make it simple to get the air conditioner you need today while staying within your monthly budget.

How Terrace Finance Works for Your Air Conditioning Needs

Terrace Finance connects you to payment solution providers offering lease-to-own plans for air conditioners and other appliances. Many applicants receive easy approval (with no credit needed offers available!) Apply at checkout, and our agents will help finalize your contract for the air conditioner of your choice.

Why Choose a Lease-to-Own Air Conditioner?

Get the air conditioner you need now without applying for a traditional credit card requiring a hard credit pull. Leasing-to-own gives you another way to pay for the air conditioner or dehumidifier you need without having to wait and save. Spread payments over time with flexible monthly payment plans that work within your budget.

Do I Need Good Credit to Shop at Finance My Cart for an Air Conditioner?

No! We specialize in providing lease-to-own air conditioners with average and no credit needed offers. Our easy approval processes does not affect your credit. We have LTO air conditioner programs for customers of all credit profiles, including those with bad credit or no credit history.

Can I Pay Off My Air Conditioner Early to Save Money?

Yes! We offer early buyout options and same-as-cash periods that allow you to affordably purchase your airconditioner before the agreement term is complete, potentially saving you money.