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  • Original price $449.99 - Original price $449.99
    Original price
    $449.99
    $449.99 - $449.99
    Current price $449.99

    Sauder - River Ranch 6 Drawer Dresser - Grand Walnut

    Sauder

    Construction MaterialsEngineered WoodNumber of Drawers0Design StyleBohemian TransitionalFinishGrand WalnutAssemblyMinimal assembly required. Save ...

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    Original price $449.99 - Original price $449.99
    Original price
    $449.99
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    Current price $449.99
  • Original price $916.99 - Original price $916.99
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    Sauder - Palladia Computer Desk - White/Black

    Sauder

    Construction materialsWood and particle board with paper laminate surfaceShelves and storageDesign styleTraditionalStorage compartments7 drawersAs...

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    Original price $916.99 - Original price $916.99
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  • Original price $507.99 - Original price $507.99
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    Sauder - River Ranch Night Stand Dresser

    Sauder

    Construction MaterialsEngineered WoodNumber of Drawers6Design StyleCountry Shabby Chic TransitionalFinishWhite PlankAssemblyMinimal assembly requir...

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    Original price $507.99 - Original price $507.99
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    Current price $507.99
  • Original price $342.99 - Original price $342.99
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    $342.99
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    Current price $342.99

    Sauder - 3 Shelf Display Bookcase w/ 2 Adjustable Shelves - Glacier Oak

    Sauder

    Construction MaterialsManufactured Wood with Laminate FinishNumber of Shelves3-Shelf Display BookcaseDesign StyleCountry TransitionalFinishGlacier ...

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    Original price $342.99 - Original price $342.99
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    Current price $342.99
  • Original price $372.99 - Original price $372.99
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    Sauder - Harvey Park Full-Queen Bookcase Headboard - Brown

    Sauder

    Construction materialsMDF with laminate finishBeds and mattress sizesFull/QueenStorage features2 Doors 2 DrawersDesign styleMid-century modernAssem...

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    Original price $372.99 - Original price $372.99
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    Current price $372.99
  • Original price $184.99 - Original price $184.99
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    $184.99
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    Current price $184.99

    Sauder - River Ranch Bookcase Full Queen Headboard - Mystic Oak

    Sauder

    Construction materials/FinishEngineered wood with a Laminate Mystic Oak finish.Bed SizeFull / QueenStorage FeaturesBookcase CompartmentsFinishMyst...

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    Original price $184.99 - Original price $184.99
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    $184.99
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    Current price $184.99
  • Original price $393.99 - Original price $393.99
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    Sauder - 5-Shelf Display Bookcase w/ 3 adjustable Shelves - Laurel Oak

    Sauder

    Construction MaterialsManufactured Wood with Laminate FinishNumber of Shelves5-Shelf Display BookcaseDesign StyleCoastal Cottage TransitionalFinish...

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    Original price $393.99 - Original price $393.99
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  • Original price $121.99 - Original price $121.99
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    $121.99
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    Current price $121.99

    Sauder - River Ranch Night Stand Dresser - Sindoori Mango

    Sauder

    Construction MaterialsEngineered WoodNumber of Drawers1Design StyleTransitionalFinishSindoori MangoAssemblyMinimal assembly required. Save time by...

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    Original price $121.99 - Original price $121.99
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    $121.99
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    Current price $121.99
  • Original price $237.99 - Original price $237.99
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    Sauder - Boulevard Caf Collection 4-Leg Accent Chair - Camel

    Sauder

    Camel upholsteryCreates a stylish look.Wood and powder-coated metal armrestsCreate a classy appearance.4-leg baseTo balance your weight in comfort ...

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    Original price $237.99 - Original price $237.99
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    Current price $237.99
  • Original price $520.99 - Original price $520.99
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    Sauder - Computer Desk Mo W/ Ro - Mystic Oak

    Sauder

    Slide-out keyboard/mouse shelf with metal runners and safety stops.Storage area behind door holds vertical CPU tower and has an adjustable shelf.Tw...

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    Original price $520.99 - Original price $520.99
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  • Original price $241.99 - Original price $241.99
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    Current price $241.99

    Sauder - Aspen Post Night Stand Pmo - Prime Oak

    Sauder

    DURABILITYDurable 1" thick top for dependable display options.DRAWERDrawer features metal runners and safety stops for easy-glide storage.SHELVINGO...

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    Original price $241.99 - Original price $241.99
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  • Original price $527.99 - Original price $527.99
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    Sauder - Aspen Post Storage Cabinet - Prime Oak

    Sauder

    Number of Shelves/Drawers4 Adjustable Shelves and 1 Fixed ShelfMaterialsEngineered woodDesign StyleModern FarmhouseAssembly RequiredSave time by ad...

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    Original price $527.99 - Original price $527.99
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  • Original price $388.99 - Original price $388.99
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    $388.99
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    Current price $388.99

    Sauder - Cottage Road Storage Coffee Table - Brown

    Sauder

    Construction MaterialsEngineered woodShelf1Design StyleDrawers2AssemblyMinimal assembly required. Save time by adding a Furniture Assembly service...

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    Original price $388.99 - Original price $388.99
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    $388.99
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    Current price $388.99
  • Original price $184.99 - Original price $184.99
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    $184.99
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    Current price $184.99

    Sauder - River Ranch Bookcase Full Queen Headboard - Soft White

    Sauder

    Construction materials/FinishEngineered wood with a Laminate Soft White finish.Bed SizeFull / QueenStorage FeaturesBookcase CompartmentsFinishSoft...

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    Original price $184.99 - Original price $184.99
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    $184.99
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    Current price $184.99
  • Original price $101.99 - Original price $101.99
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    $101.99
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    Current price $101.99

    Sauder - River Ranch Night Stand Dresser - Chalked Chestnut

    Sauder

    Construction MaterialsEngineered WoodNumber of Drawers1Design StyleCountry Shabby Chic TransitionalFinishChalked ChestnutAssemblyMinimal assembly r...

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    Original price $101.99 - Original price $101.99
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    $101.99
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    Current price $101.99
  • Original price $521.99 - Original price $521.99
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    $521.99
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    Current price $521.99

    Sauder - Cannery Bridge Wardrobe Armoire - Sindoori Mango

    Sauder

    Construction materialsMDF paper laminateFinishSindoori MangoDesign styleBohemian Industrial Modern FarmhouseLeg materialEngineered woodAssemblyMin...

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    Original price $521.99 - Original price $521.99
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    $521.99
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    Current price $521.99
  • Original price $400.99 - Original price $400.99
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    $400.99
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    Current price $400.99

    Sauder - Larkin Ledge Storage Coffee Table Go - Glacier Oak

    Sauder

    STORAGELarge storage drawer features metal runners and safety stops.SHELVINGOpen storage on opposite side includes an adjustable shelf.DESIGNTop fe...

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    Original price $400.99 - Original price $400.99
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    $400.99
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  • Original price $159.99 - Original price $159.99
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    $159.99
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    Current price $159.99

    Sauder - River Ranch Rustic Bookcase Full /Queen Headboard - White Plank

    Sauder

    Construction materials/FinishEngineered wood with a Laminate White Plank finish.Bed SizeFull / QueenStorage FeaturesBookcase CompartmentsFinishWhit...

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    Original price $159.99 - Original price $159.99
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    $159.99
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    Current price $159.99
  • Original price $394.99 - Original price $394.99
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    $394.99
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    Current price $394.99

    Sauder - Cottage Road Drawer Coffee Table - White/Tan

    Sauder

    Construction MaterialsEngineered woodShelf1Design StyleCoastal Cottage Modern Farmhouse Shabby ChicDrawers2AssemblyMinimal assembly required. Save...

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    Original price $394.99 - Original price $394.99
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    $394.99
    $394.99 - $394.99
    Current price $394.99
  • Original price $514.99 - Original price $514.99
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    $514.99
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    Sauder - 2-Door Storage Cabinet in Raven Oak - Raven Oak

    Sauder

    STORAGEHidden storage behind doors to help hide the clutter and chaos.DESIGNFramed panel doors with slatted inserts.SHELVINGFull upper shelf and fo...

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    Original price $514.99 - Original price $514.99
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    $514.99
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  • Original price $320.99 - Original price $320.99
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    $320.99
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    Current price $320.99

    Sauder - Briarbrook Lift Top Coffee Table Bo - Barrel Oak

    Sauder

    SURFACETop lifts up and forward to create versatile work surface.STORAGEHidden storage beneath top for games blankets and more.SHELVINGLower shelf ...

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    Original price $320.99 - Original price $320.99
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    $320.99
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    Current price $320.99
  • Original price $338.99 - Original price $338.99
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    $338.99
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    Current price $338.99

    Sauder - 4 Shelf Display Bookcase w/ 2 Adjustable Shelves - Pacific Maple

    Sauder

    Construction MaterialsManufactured Wood with Laminate FinishNumber of Shelves3-Shelf Display BookcaseDesign StyleBohemian Coastal Cottage Scandinav...

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    Original price $338.99 - Original price $338.99
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    $338.99
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    Current price $338.99
  • Original price $587.99 - Original price $587.99
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    Sauder - Station House 2-Drawer Lateral File Cabinet - Etched Oak

    Sauder

    Construction MaterialsEngineered wood MetalCollectionStation HouseDesign StyleCountry Industrial Modern FarmhouseFinishStation HouseAssemblyMinimal...

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    Original price $587.99 - Original price $587.99
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    $587.99
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  • Original price $365.99 - Original price $365.99
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    Sauder - East Rock Writing Desk Ao - Ashen Oak

    Sauder

    Spacious work surface for laptop writing pad lamp etc.Small drawer features metal runners and safety stops.Open shelf for additional storage of lap...

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    Original price $365.99 - Original price $365.99
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    $365.99
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  • Original price $683.99 - Original price $683.99
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    $683.99
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    Sauder - East Rock L-Desk Ao A2 - Ashen Oak

    Sauder

    Spacious work surface for laptop notepads lamp etc.Small drawer features metal runners and safety stops.Lower drawer with full extension slides hol...

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    Original price $683.99 - Original price $683.99
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    $683.99
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  • Original price $677.99 - Original price $677.99
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    Sauder - Briarbrook Single Ped Desk-Mesh Draw 3a - SGS Laminate Barrel Oak

    Sauder

    Spacious work area for laptop pens mouse and more.Large drawer/shelf features flip-down panel for keyboard/mouse.Upper storage drawer features meta...

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    Original price $677.99 - Original price $677.99
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    $677.99
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  • Original price $908.99 - Original price $908.99
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    $908.99
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    Sauder - Porto Palma Desk With Credenza A2 - SGS Laminate Haze Acacia

    Sauder

    Durable 1" thick top holds laptop lamp and more.Can be configured as an L-desk with credenza on left or right.Desk and credenza can function as two...

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    Original price $908.99 - Original price $908.99
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    $908.99
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    Current price $908.99
  • Original price $741.99 - Original price $741.99
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    $741.99
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    Current price $741.99

    Sauder - Iron City L Desk Checked Oak - SGS Mixed Mat Checked Oak

    Sauder

    Durable 1" thick top for computer folders planner and more.Two drawers; lower drawer with full extension slides holds letter-size hanging files.Cub...

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    Original price $741.99 - Original price $741.99
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    $741.99
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  • Original price $229.99 - Original price $229.99
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    $229.99
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    Current price $229.99

    Sauder - Canton Lane Lift Top Coffee Table Gw 3a - Brew Oak

    Sauder

    SURFACEDurable 1" thick top lifts up and forward to create versatile work surface.STORAGEHidden storage beneath top holds remotes blankets games an...

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    Original price $229.99 - Original price $229.99
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    $229.99
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    Current price $229.99
  • Original price $682.99 - Original price $682.99
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    $682.99
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    Sauder - Harper Heights L-Desk - SGS Laminate White

    Sauder

    Spacious work surface for laptop notepads lamp etc.Safety-tempered glass top surface.Both drawers feature full extensions slides for easy access.Lo...

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    Original price $682.99 - Original price $682.99
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    $682.99
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  • Original price $378.99 - Original price $378.99
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    $378.99
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    Current price $378.99

    Sauder - Walter Heights Lift Top Coffee Table Bwg - Blade Walnut

    Sauder

    SURFACETop lifts up and forward to create versatile surface for leisure or work.STORAGEHidden storage beneath top for extra organization.VERSATILIT...

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    Original price $378.99 - Original price $378.99
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    $378.99
    $378.99 - $378.99
    Current price $378.99
  • Original price $751.99 - Original price $751.99
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    Sauder - Willow Place L-Desk Gw A2 - Grand Walnut

    Sauder

    Durable 1" thick top for sturdy display and storage.File drawer with full extension slides holds letter-size hanging files keeping you organized.Sm...

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    Original price $751.99 - Original price $751.99
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    $751.99
    $751.99 - $751.99
    Current price $751.99
  • Original price $548.99 - Original price $548.99
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    $548.99
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    Current price $548.99

    Sauder - Boulevard Cafe 6 Drawer Dresser - Black

    Sauder

    Construction MaterialsEngineered WoodNumber of Drawers6Design StyleBistro Industrial Mid-century ModernFinishBlackAssemblyMinimal assembly required...

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    Original price $548.99 - Original price $548.99
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    $548.99
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    Current price $548.99
  • Original price $691.99 - Original price $691.99
    Original price
    $691.99
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    Current price $691.99

    Sauder - Barrister Lane Executive Desk - Gray

    Sauder

    Construction materialsWood and particle board with paper laminate surfaceShelves and storageDesign styleCountry Industrial Modern Farmhouse Shabby ...

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    Original price $691.99 - Original price $691.99
    Original price
    $691.99
    $691.99 - $691.99
    Current price $691.99
  • Original price $505.99 - Original price $505.99
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    $505.99
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    Current price $505.99

    Sauder - Cottage Road Storage Cabinet - Raven Oak

    Sauder

    Number of Shelves/Drawers4 Adjustable Shelves and 1 Fixed ShelfMaterialsEngineered woodDesign StyleCoastal Cottage Modern Farmhouse Shabby ChicAsse...

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    Original price $505.99 - Original price $505.99
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    $505.99
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    Current price $505.99
  • Original price $446.99 - Original price $446.99
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    $446.99
    $446.99 - $446.99
    Current price $446.99

    Sauder - Summit Station L-Shaped Desk - Gray

    Sauder

    Construction materialsWood and particle board with paper laminate surfaceShelves and storage1 shelfDesign styleTransitionalStorage compartments1 d...

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    Original price $446.99 - Original price $446.99
    Original price
    $446.99
    $446.99 - $446.99
    Current price $446.99

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.