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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. 

Original price $222.99 - Original price $222.99
Original price
$222.99
$222.99 - $222.99
Current price $222.99

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

TCL

Powerful PerformanceThe 6000 BTU window air conditioner is powerful enough to cool rooms up to 250-sq. ft. and features multiple fan speeds that al...

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Original price $222.99 - Original price $222.99
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$222.99
$222.99 - $222.99
Current price $222.99
Original price $776.99 - Original price $776.99
Original price
$776.99
$776.99 - $776.99
Current price $776.99

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

TCL

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 $776.99 - Original price $776.99
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$776.99
$776.99 - $776.99
Current price $776.99
Original price $815.99 - Original price $815.99
Original price
$815.99
$815.99 - $815.99
Current price $815.99

GE Profile - 450 Sq. Ft. 10000 BTU Smart Portable Air Conditioner with Inverter Technology for Energy Savings - White

GE Profile

Enhanced Cooling EfficiencyUpgrade to a dual-hose system for faster more efficient cooling allowing it to cool rooms more effectively and consisten...

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Original price $815.99 - Original price $815.99
Original price
$815.99
$815.99 - $815.99
Current price $815.99
Original price $332.99 - Original price $332.99
Original price
$332.99
$332.99 - $332.99
Current price $332.99

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

GE

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...

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Original price $332.99 - Original price $332.99
Original price
$332.99
$332.99 - $332.99
Current price $332.99
Original price $620.99 - Original price $620.99
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$620.99
$620.99 - $620.99
Current price $620.99

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

GE

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 $620.99 - Original price $620.99
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$620.99
$620.99 - $620.99
Current price $620.99
Original price $539.99 - Original price $539.99
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$539.99
$539.99 - $539.99
Current price $539.99

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

GE

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 $539.99 - Original price $539.99
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$539.99
$539.99 - $539.99
Current price $539.99
Original price $226.99 - Original price $226.99
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$226.99
$226.99 - $226.99
Current price $226.99

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

GE

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 $226.99 - Original price $226.99
Original price
$226.99
$226.99 - $226.99
Current price $226.99
Original price $755.99 - Original price $755.99
Original price
$755.99
$755.99 - $755.99
Current price $755.99

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

GE

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 $755.99 - Original price $755.99
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$755.99
$755.99 - $755.99
Current price $755.99
Original price $640.99 - Original price $640.99
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$640.99
$640.99 - $640.99
Current price $640.99

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

GE

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 $640.99 - Original price $640.99
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$640.99
$640.99 - $640.99
Current price $640.99
Original price $260.99 - Original price $260.99
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$260.99
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Current price $260.99

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

GE

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 $260.99 - Original price $260.99
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$260.99
$260.99 - $260.99
Current price $260.99
Original price $349.99 - Original price $349.99
Original price
$349.99
$349.99 - $349.99
Current price $349.99

Aeric - 400 Sq. Ft Portable Air Conditioner - White

Aeric

3-in-1 UnitThis AC not only cools at 5500 BTU SACC Standard (9000 BTU ASHRAE) but has 2 fan speeds and dehumidifies up to 50 pints per day to remov...

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Original price $349.99 - Original price $349.99
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$349.99
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Current price $349.99
Original price $592.99 - Original price $592.99
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$592.99
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Current price $592.99

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

LG

SmartThinQ technologyUse the LG SmartThinQ app to control key features from anywhere so you can start or stop cooling change the mode or set the te...

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Original price $592.99 - Original price $592.99
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$592.99
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Current price $592.99
Original price $132.99 - Original price $132.99
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$132.99
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Current price $132.99

LG - Air Conditioner Wall Sleeve - Aluminum

LG Electronics

Compatible Accessoryaccessory for most 26" through-the-wall air conditionersPrecise Fit GuaranteeDesigned for a precise fit this accessory ensures ...

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Original price $132.99 - Original price $132.99
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$132.99
$132.99 - $132.99
Current price $132.99
Original price $574.99 - Original price $574.99
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$574.99
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Current price $574.99

LG LW1016ER - air conditioner

LG

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

Original price $574.99 - Original price $574.99
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$574.99
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Current price $574.99
Original price $637.99 - Original price $637.99
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$637.99
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Current price $637.99

LG - 450 Sq. Ft. Smart Portable Air Conditioner - Black

LG

ThinQ TechnologyControl Your Cool From Anywhere with LG ThinQ Technology in this portable air conditioner allowing you to turn on/off change modes ...

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Original price $637.99 - Original price $637.99
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$637.99
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Current price $637.99
Original price $437.99 - Original price $437.99
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$437.99
$437.99 - $437.99
Current price $437.99

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

TCL

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 $437.99 - Original price $437.99
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$437.99
$437.99 - $437.99
Current price $437.99
Original price $929.99 - Original price $929.99
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$929.99
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Current price $929.99

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

LG

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 $929.99 - Original price $929.99
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$929.99
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Current price $929.99
Original price $739.99 - Original price $739.99
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$739.99
$739.99 - $739.99
Current price $739.99

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

LG

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 $739.99 - Original price $739.99
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$739.99
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Current price $739.99
Original price $349.99 - Original price $349.99
Original price
$349.99
$349.99 - $349.99
Current price $349.99

Danby - DAC080B5WDB 350 Sq. Ft. 8000 BTU Window Air Conditioner - White

Danby

8000 BTU window air conditionerQuickly cools spaces up to 350 square feet.R32 RefrigerantR32 ‘s GWP (Global Warming Potential) is 3x lower than R41...

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Original price $349.99 - Original price $349.99
Original price
$349.99
$349.99 - $349.99
Current price $349.99
Original price $321.99 - Original price $321.99
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$321.99
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Current price $321.99

Danby - DPA050E2BDB-6 150 Sq. Ft. 3-in-1 Portable Air Conditioner 7500 BTU - Black

Danby

7500 BTU (5000 SACC) Portable air conditionerCools spaces up to 150 square feet.Convenient 3-in-1 designAir conditioner fan and dehumidifier.R32 Re...

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Original price $321.99 - Original price $321.99
Original price
$321.99
$321.99 - $321.99
Current price $321.99

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.