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  • Original price $831.99 - Original price $831.99
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    Sauder - Dixon City Office Storage File Credenza - Brushed Oak

    Sauder

    Construction MaterialsEngineered woodCollectionDixon CityDesign StyleModern FarmhouseFinishDixon CityAssemblyMinimal assembly required. Save time ...

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    Original price $831.99 - Original price $831.99
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  • Original price $553.99 - Original price $553.99
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    Sauder - Tremont Row 2-Drawer Lateral File Cabinet - Mystic Oak

    Sauder

    Construction MaterialsEngineered wood MetalCollectionTremont RowDesign StyleBistro ContemporaryFinishTremont RowAssemblyMinimal assembly required. ...

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    Original price $553.99 - Original price $553.99
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  • Original price $575.99 - Original price $575.99
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    Sauder - Market Commons 2-Drawer Lateral File Drawer - Rich Walnut

    Sauder

    Construction MaterialsEngineered wood MetalCollectionMarket CommonsDesign StyleBistro IndustrialFinishMarket CommonsAssemblyMinimal assembly requir...

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    Original price $575.99 - Original price $575.99
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  • Original price $512.99 - Original price $512.99
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    Sauder - Cannery Bridge 6-Drawer Dresser - Sindoori Mango

    Sauder

    Construction MaterialsEngineered WoodNumber of Drawers6Design StyleBohemian Industrial Modern FarmhouseFinishSindoori MangoAssemblyMinimal assembly...

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    Original price $512.99 - Original price $512.99
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  • Original price $227.99 - Original price $227.99
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    Walker Edison - Rustic Distressed Solid Wood Dining Stool (Set of 2) - Gray

    Walker Edison

    Sustainable solid wood constructionMade with solid pine wood responsibly-sourced from renewable forests.Capped feetProtect your flooring with the s...

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    Original price $227.99 - Original price $227.99
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  • Original price $312.99 - Original price $312.99
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    Sauder - Cannery Bridge Twin Metal Platform Bed w/Headboard - Bronze

    Sauder

    Construction MaterialMetalBed Size / Mattress SizeAccomodates a Twin Size MattressBed StylePlatformDesign StyleIndustrial Modern FarmhouseAssemblyS...

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    Original price $312.99 - Original price $312.99
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  • Original price $375.99 - Original price $375.99
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    Sauder - Cottage Road Library Hutch - White

    Sauder

    Number and Type of Shelves2 Fixed ShelvesMaterialsEngineered woodDesign StyleCoastal Cottage Modern Farmhouse Shabby ChicAssembly RequiredSave time...

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    Original price $375.99 - Original price $375.99
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  • Original price $667.99 - Original price $667.99
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    Sauder - Aspen Post Large Hutch - Pebble Pine

    Sauder

    Number and Type of Shelves2 Fixed ShelvesAdditional StorageCable Management to hide all your electronic cablesMaterialsEngineered wood GlassDesign ...

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    Original price $667.99 - Original price $667.99
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  • Original price $734.99 - Original price $734.99
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    Sauder - International Lux Shoe Cabinet - Sindoori Mango

    Sauder

    Number of Shelves/Drawers2 Fixed ShelvesMaterialsEngineered Wood Metal and GlassDesign StyleContemporary Mid-century ModernAssembly RequiredSave ti...

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    Original price $734.99 - Original price $734.99
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  • Original price $261.99 - Original price $261.99
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    Sauder - Aspen Post Library Hutch - Pebble Pine

    Sauder

    Number and Type of Shelves2 Adjustable ShelvesMaterialsEngineered woodDesign StyleModern FarmhouseAssembly RequiredSave time by adding a Furniture ...

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    Original price $261.99 - Original price $261.99
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  • Original price $527.99 - Original price $527.99
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    Sauder - Walter Heights 2-Drawer Lateral File Cabinet - Blade Walnut

    Sauder

    Construction MaterialsEngineered wood MetalCollectionWalter HeightsDesign StyleContemporaryFinishWalter HeightsAssemblyMinimal assembly required. ...

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    Original price $527.99 - Original price $527.99
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  • Original price $437.99 - Original price $437.99
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    Sauder - Hudson Court Lateral File Cabinet with Shelf - Pearl Oak

    Sauder

    Construction MaterialsEngineered woodCollectionHudson CourtDesign StyleContemporaryFinishHudson CourtAssemblyMinimal assembly required. Save time ...

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    Original price $437.99 - Original price $437.99
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  • Original price $792.99 - Original price $792.99
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    Sauder - Dixon City 3-Drawer Mobile File Cabinet i - Brushed Oak

    Sauder

    Construction MaterialsEngineered woodCollectionDixon CityDesign StyleModern FarmhouseFinishDixon CityAssemblyMinimal assembly required. Save time ...

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    Original price $792.99 - Original price $792.99
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  • Original price $552.99 - Original price $552.99
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    Sauder - Larkin Ledge 1-Drawer Lateral File Cabinet - Glacier Oak

    Sauder

    Construction MaterialsEngineered wood MetalCollectionLarkin LedgeDesign StyleCountry TransitionalFinishLarkin LedgeAssemblyMinimal assembly require...

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    Original price $552.99 - Original price $552.99
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  • Original price $638.99 - Original price $638.99
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    Walker Edison - Modern Solid Wood Slatted Outdoor Loveseat - Natural

    Walker Edison

    Stylish detailsShow off your style with the slatted back and unique geometric legs.Comfortable designRelax on the comfortable cushioned seat.Sturdy...

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    Original price $638.99 - Original price $638.99
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  • Original price $310.99 - Original price $310.99
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    Walker Edison - Contemporary Rattan Back Inset Wood Counter Stool (2-Piece Set) - Black

    Walker Edison

    Simple silhouetteSleek modern design that coordinates with many stylesNeutral colorBeautiful black painted legs with natural upholsteryAdjustable b...

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    Original price $310.99 - Original price $310.99
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  • Original price $474.99 - Original price $474.99
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    Sauder - East Rock Accent Storage Cabinet - Ashen Oak

    Sauder

    Number of Shelves/Drawers3 Adjustable ShelvesMaterialsEngineered woodDesign StyleContemporary Mid-century ModernAssembly RequiredSave time by addin...

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    Original price $474.99 - Original price $474.99
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  • Original price $324.99 - Original price $324.99
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    OSP Home Furnishings - Contempo 40" Desk with Shelf hutch - White Oak

    OSP Home Furnishings

    Easy to assemblyDesk top ships assembled with drawersStay organizedConvenient upper shelf provides extra. Features 2 large accessory drawers with m...

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    Original price $324.99 - Original price $324.99
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  • Original price $360.99 - Original price $360.99
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    Sauder - Cannery Bridge Twin Metal Platform Bed w/Headboard - Black

    Sauder

    Construction MaterialMetalBed Size / Mattress SizeAccomodates a Twin Size MattressBed StylePlatformDesign StyleIndustrial Modern FarmhouseAssemblyS...

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    Original price $360.99 - Original price $360.99
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  • Original price $557.99 - Original price $557.99
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    Sauder - Harvey Park Queen Metal Platform Bed Frame with Headboard - Black

    Sauder

    Construction materialsmetal platform bed frame with headboardSizeAccomadates Queen Size MattressBed Style / DesignPlatrorm Bed with HeadboardDecor ...

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    Original price $557.99 - Original price $557.99
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  • Original price $309.99 - Original price $309.99
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    Sauder - Harvey Park Twin Metal Platrorm Bed w/ Headboard - Black

    Sauder

    Construction MaterialMetalBed Size / Mattress SizeAccomodates a Twin Size MattressBed StylePlatformDesign StyleMid-century ModernAssemblySave time ...

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    Original price $309.99 - Original price $309.99
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  • Original price $310.99 - Original price $310.99
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    Sauder - Harvey Park Twin Metal Platrorm Bed w/ Headboard - White

    Sauder

    Construction MaterialMetalBed Size / Mattress SizeAccomodates a Twin Size MattressBed StylePlatformDesign StyleMid-century ModernAssemblySave time ...

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    Original price $310.99 - Original price $310.99
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  • Original price $587.99 - Original price $587.99
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    Sauder - Larkin Ledge TV Credenza for TV's up to 65" - Glacier Oak

    Sauder

    Construction MaterialsWood with Laminate FinishCompatibility TV SizeAccommodates up to a 65" TV weighing 70 lbs. or lessDesign StyleCountry Transit...

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    Original price $587.99 - Original price $587.99
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  • Original price $170.99 - Original price $170.99
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    OSP Home Furnishings - Contempo 40" Desk with Drawer - White Oak

    OSP Home Furnishings

    Easy to assembleEasy assembly / Desk top ships assembled with drawersEasy access to your electronicsFeatures an accessory drawer and storage shelf ...

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    Original price $170.99 - Original price $170.99
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    OSP Home Furnishings - Contempo 40" Desk with Drawer - Brown

    OSP Home Furnishings

    Easy to assembleEasy assembly / desk top ships assembled with drawersEasy access to your electronicsFeatures an accessory drawer and storage shelf ...

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    Original price $170.99 - Original price $170.99
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  • Original price $311.99 - Original price $311.99
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    Sauder - Cannery Bridge Twin Metal Platform Bed Frame with Headboard - Black

    Sauder

    Construction materialsmetal platform bed frame with headboardSizeAccomadates Twin Size MattressBed Style / DesignPlatrorm Bed with HeadboardDecor S...

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    Original price $311.99 - Original price $311.99
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  • Original price $2,584.99 - Original price $2,584.99
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    Steelcase - Gesture Wrapped Back Office Chair in Leather - Saddle

    Steelcase

    UpholsteryElmosoft Leather is 100 leather. Leather color is Saddle.Ergonomic Chair FeaturesAdjustable seat depth Fully adjustable arms (height widt...

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    Original price $2,584.99 - Original price $2,584.99
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    Steelcase - Gesture Wrapped Back Office Chair in Leather - Mica

    Steelcase

    UpholsteryElmosoft Leather is 100 leather. Leather color is Mica.Ergonomic Chair FeaturesAdjustable seat depth Fully adjustable arms (height width ...

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    Original price $2,584.99 - Original price $2,584.99
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    Steelcase - Gesture Wrapped Back Office Chair in Leather - Ebony

    Steelcase

    UpholsteryElmosoft Leather is 100 leather. Leather color is Ebony.Ergonomic Chair FeaturesAdjustable seat depth Fully adjustable arms (height width...

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    Original price $2,584.99 - Original price $2,584.99
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  • Original price $909.99 - Original price $909.99
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    MODERN BRIDGE-LEG DI

    Walker Edison

    Unique designShow off your style with the unique metal base.Room for a crowdSeat up to 8 of your loved ones around the spacious tabletop.Sturdy bui...

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    Original price $909.99 - Original price $909.99
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  • Original price $221.99 - Original price $221.99
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    Walker Edison - Rustic Distressed Solid Wood Dining Stool - Gray

    Walker Edison

    Sustainable solid wood constructionMade with solid pine wood responsibly-sourced from renewable forests.Capped feetProtect your flooring with the s...

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    Original price $221.99 - Original price $221.99
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    $221.99
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  • Original price $118.99 - Original price $118.99
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    Insignia - Essential PC Gaming Chair - Black

    Insignia

    Adjustable seat heightFits your body by moving up or down 17.72 21.26 inches (45 54 cm).Swivel and tilt mechanismLets you customize the chair to ...

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    Original price $118.99 - Original price $118.99
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  • Original price $59.99 - Original price $59.99
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    Yardbird - Harriet Coffee Table Cover - Beige

    Yardbird

    Fitted designCarefully tailored for a close fitNeutral color to fit all outdoor spacesColor BeigeUV ResistantBuilt to withstand all of your fun in ...

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    Original price $59.99 - Original price $59.99
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  • Original price $611.99 - Original price $611.99
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    Walker Edison - Deep Seated Acacia Wood Patio Chair with Ottoman - Brown

    Walker Edison

    Modern and contemporary designIncludes plush grey cushions for comfortable seatingFeaturing an ottoman to rest your feet onMade out of Acacia wood ...

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    Original price $611.99 - Original price $611.99
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  • Original price $1,816.99 - Original price $1,816.99
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    Walker Edison - 7-Piece Cypress Acacia Wood Patio Dining Set - Brown

    Walker Edison

    With a natural grain finish made of acacia hardwoodIncludes plush polyester cushions for comfortHide-away butterfly leaf accommodates additional gu...

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    Original price $1,816.99 - Original price $1,816.99
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  • Original price $1,575.99 - Original price $1,575.99
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    Walker Edison - 6-Piece Cypress Acacia Wood Extendable Patio Dining Set - Brown

    Walker Edison

    Dimensions (after assembly)Table 30" H x 55-79" L x 35" W weighs 85 LBS; Chairs 37" H x 24" L x 20" W weighs 24 LBS (each) and Bench 18" H x 53" L...

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    Original price $1,575.99 - Original price $1,575.99
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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.