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Cooling

Rent To Own Cooling – Stay Cool with Affordable Financing

Beat the heat with top-quality cooling solutions from Finance My Cart! Whether you need an air conditioner, dehumidifier, or portable cooling unit, we have a variety of options from trusted brands like LG, Honeywell, Frigidaire, and more. With our rent-to-own and lease-to-own payment plans, you can keep your home comfortable without the large upfront cost. Stay cool all year long with the latest in energy-efficient technology, and enjoy the flexibility of affordable monthly payments, plus free shipping. Keep your space at the perfect temperature with the convenience of flexible financing from Finance My Cart!

Original price $310.99 - Original price $310.99
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Danby - DAC080EB6WDB 350 Sq. Ft. Window Air Condtioner - White

Danby

8000 BTUCools space up to 350 square feet.Energy Star compliantElectronic controlsWith LED display and remote control.Powerful 3 speed fanCirculate...

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Original price $310.99 - Original price $310.99
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$310.99
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Current price $310.99
Original price $776.99 - Original price $776.99
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$776.99
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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
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Original price $572.99 - Original price $572.99
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$572.99
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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 $572.99 - Original price $572.99
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Original price $947.99 - Original price $947.99
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GE - 450 Sq. Ft. 10300 BTU Smart Portable Air Conditioner and 10300 BTU Heater - White

GE

Cools Heats Medium Rooms10000 BTU class cooling / 11500 BTU heating capacity offers maximum comfort in rooms up to 450 square feet (10300 BTU DOE)...

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Original price $947.99 - Original price $947.99
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Original price $765.99 - Original price $765.99
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$765.99
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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 $765.99 - Original price $765.99
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Original price $330.99 - Original price $330.99
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$330.99
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GE - 150 Sq. Ft. 5000 BTU Portable Air Conditioner with Auto Evaporation Technology - White

GE

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 $330.99 - Original price $330.99
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Original price $582.99 - Original price $582.99
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GE Profile - ClearView 350 Sq. Ft. 8300 BTU Smart Ultra Quiet Window Air Conditioner - White

GE Profile

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 $582.99 - Original price $582.99
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Original price $891.99 - Original price $891.99
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GE - 550 Sq. Ft. 12000 BTU Smart Window Air Conditioner and 10800 BTU Heater - White

GE

Cools Heats Medium RoomsWith an 8000 BTU cooling and 3800 BTU heating capacity this unit has the power to provide maximum comfort for all seasons ...

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Original price $891.99 - Original price $891.99
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Original price $716.99 - Original price $716.99
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GE - 700 Sq. Ft. 14000 BTU Smart Window Air Conditioner - White

GE

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 $716.99 - Original price $716.99
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Original price $109.99 - Original price $109.99
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$109.99
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GE - Dual Hose Conversion Kit for Select Portable Air Conditioners - White

GE

Better Faster CoolingProvides up to 3X better cooling experience allowing your room to cool faster and more uniformly (for 7500 SACC tested at 95)....

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Original price $109.99 - Original price $109.99
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$109.99
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Original price $929.99 - Original price $929.99
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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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Original price $349.99 - Original price $349.99
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$349.99
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5-500 BTU SACC (9-000 BTU ASHRAE) Portable Air Con

Aeric

5500 BTU Portable AC Remote White R32

Original price $349.99 - Original price $349.99
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Original price $679.99 - Original price $679.99
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$679.99
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GE Profile - ClearView 450 Sq. Ft. 10300 BTU Smart Ultra Quiet Window Air Conditioner - White

GE Profile

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 $679.99 - Original price $679.99
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Original price $507.99 - Original price $507.99
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$507.99
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Current price $507.99

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

Insignia

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 $507.99 - Original price $507.99
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Original price $664.99 - Original price $664.99
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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 $664.99 - Original price $664.99
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Original price $602.99 - Original price $602.99
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AuxAC - 250 Sq. Ft Portable Air Conditioner - White

AuxAC

Convenient Cooling SolutionExperience efficient cooling with this compact portable air conditioner rated at 8000 BTUs by ASHRAE and 5000 BTUs by DO...

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Original price $602.99 - Original price $602.99
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Original price $772.99 - Original price $772.99
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Profile - 700 Sq. Ft. 14000 BTU Smart Window Air Conditioner - White

Profile

Inverter TechnologyAdaptive air conditioner inverter technology operates at smooth varying levels reducing noise and maximizing energy efficiency.U...

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Original price $772.99 - Original price $772.99
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Original price $746.99 - Original price $746.99
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Whynter - 500 Sq. Ft. Portable Air Conditioner - Platinum/Black

Whynter

Portable air conditioner fan and dehumidifier with 222 CFM air flowMove it from room to room on 4 caster wheels. Includes easy-to-install window ve...

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Original price $746.99 - Original price $746.99
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Original price $500.99 - Original price $500.99
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Profile - 450 Sq. Ft. 10000 BTU Smart Window Air Conditioner - White

Profile

Inverter TechnologyAdaptive air conditioner inverter technology operates at smooth varying levels reducing noise and maximizing energy efficiency.U...

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Original price $500.99 - Original price $500.99
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Original price $476.99 - Original price $476.99
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Profile - 350 Sq. Ft. 8000 BTU Smart Window Air Conditioner - White

Profile

Inverter TechnologyAdaptive air conditioner inverter technology operates at smooth varying levels reducing noise and maximizing energy efficiency.U...

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Original price $476.99 - Original price $476.99
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$476.99
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Original price $718.99 - Original price $718.99
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Profile - 550 Sq. Ft. 12000 BTU Smart Window Air Conditioner - White

Profile

Inverter TechnologyAdaptive air conditioner inverter technology operates at smooth varying levels reducing noise and maximizing energy efficiency.U...

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Original price $718.99 - Original price $718.99
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$718.99
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Current price $718.99
Original price $778.99 - Original price $778.99
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$778.99
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GE Profile - ClearView 550 Sq. Ft. 12200 BTU Smart Ultra Quiet Window Air Conditioner - White

GE Profile

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 $778.99 - Original price $778.99
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$778.99
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Current price $778.99
Original price $596.99 - Original price $596.99
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$596.99
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Current price $596.99

Frigidaire - 3in-1 Portable Room Air Conditioner - White

Frigidaire

3-in-1 with Multi-Speed Fan + Dehumidifying Dry ModeEnjoy more cooling flexibility with two different fan speeds plus dehumidifying Dry Mode to kee...

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Original price $596.99 - Original price $596.99
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Original price $441.99 - Original price $441.99
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$441.99
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Current price $441.99

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

Insignia

Up to 250 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 $441.99 - Original price $441.99
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$441.99
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Current price $441.99
Original price $594.99 - Original price $594.99
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$594.99
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Current price $594.99

LG - 8000 BTU Dual Inverter Smart Window Air Conditioner - White

LG

Ultra Quiet OperationRevolutionary DUAL Inverter technology gives powerful yet silent performance operating at sound levels as low as 44dB in sleep...

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Original price $594.99 - Original price $594.99
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$594.99
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Current price $594.99
Original price $846.99 - Original price $846.99
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$846.99
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Current price $846.99

GE - 450 Sq. Ft. 10400 BTU Smart Portable Air Conditioner - White

GE

Cools Medium Rooms10000 BTU class cooling capacity offers maximum comfort in rooms up to 450 square feet (10400 BTU DOE).3-in-1 Portable Air Condit...

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Original price $846.99 - Original price $846.99
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$846.99
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Current price $846.99
Original price $416.99 - Original price $416.99
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$416.99
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Keystone - 350 Sq. Ft 8000 BTU Window Mounted Inverter Air Conditioner - White

Keystone

Enhanced Cooling PerformanceBoasting 8000 BTUs of cooling power this window AC unit effectively dehumidifies rooms up to 350 sq. ft. removing up to...

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Original price $416.99 - Original price $416.99
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$416.99
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Current price $416.99
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 $267.99 - Original price $267.99
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$267.99
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Current price $267.99

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 $267.99 - Original price $267.99
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$267.99
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Current price $267.99
Original price $567.99 - Original price $567.99
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$567.99
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Current price $567.99

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 $567.99 - Original price $567.99
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$567.99
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Current price $567.99
Original price $361.99 - Original price $361.99
Original price
$361.99
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Current price $361.99

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 $361.99 - Original price $361.99
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$361.99
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Current price $361.99
Original price $639.99 - Original price $639.99
Original price
$639.99
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Current price $639.99

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 $639.99 - Original price $639.99
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$639.99
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Current price $639.99
Original price $665.99 - Original price $665.99
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$665.99
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Current price $665.99

Whynter - 400 Sq. Ft. Portable Air Conditioner and Heater - Frost White

Whynter

Up to 400 sq. ft. cooling/heating capacityKeeps your living area comfortable.96-pts./day dehumidificationReduces moisture to create refreshing brea...

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Original price $665.99 - Original price $665.99
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$665.99
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Current price $665.99
Original price $638.99 - Original price $638.99
Original price
$638.99
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Current price $638.99

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 $638.99 - Original price $638.99
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$638.99
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Current price $638.99
Original price $783.99 - Original price $783.99
Original price
$783.99
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Current price $783.99

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 $783.99 - Original price $783.99
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$783.99
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Current price $783.99
Original price $377.99 - Original price $377.99
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$377.99
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Current price $377.99

NewAir - 1600 CFM Evaporative Cooler - White

Newair

LED Display PanelLets you know the current settings and modes. You can also turn this off during product use.CycloneCirculationGuides the airflow t...

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Original price $377.99 - Original price $377.99
Original price
$377.99
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Current price $377.99

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.