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Buy Now Pay Later Gaming Hardware

Finance My Cart and Terrace Finance are here to help you level up. You can rent to own a new PS5 Pro, Nintendo Switch 2, or the ROG Xbox Ally X. Add the console you want, then get the accessories you need like gaming headsets, controllers, streaming equipment, and more. Shop top gaming brands like Alienware, Razer, Microsoft, ASUS, MSI, Nintendo, Playstation, and more. Apply with Terrace Finance at checkout for flexible financing options. And shipping is free! You can learn more about rent to own gaming here.

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Nintendo Switch 2 System - Multi

Nintendo
Original price $586.99 - Original price $586.99
Original price
$586.99
$586.99 - $586.99
Current price $586.99

IncludesNintendo Switch 2 Console Joy-Con 2 (L) in Light Blue Joy-Con 2 (R) in Light Red Nintendo Switch 2 AC Adapter USB-C Charging Cable Nintendo...

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Original price $586.99 - Original price $586.99
Original price
$586.99
$586.99 - $586.99
Current price $586.99

ROG Xbox Ally X 7" FHD 120Hz Gaming Handheld 3-Month Xbox Game Pass Premium AMD Ryzen AI Z2 Extreme 24GB RAM 1TB SSD - Windows

ASUS
Original price $1,164.99 - Original price $1,164.99
Original price
$1,164.99
$1,164.99 - $1,164.99
Current price $1,164.99

Easier to PlayMore games. Better graphics. Higher performance. Wherever the limit is with gaming you’re closer to it with Windows 11.Full Xbox Expe...

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Original price $1,164.99 - Original price $1,164.99
Original price
$1,164.99
$1,164.99 - $1,164.99
Current price $1,164.99

XBOX Series X 1TB Console with XBOX Wireless Controller - 4K Gaming - 120FPS

Microsoft
Original price $934.99 - Original price $934.99
Original price
$934.99
$934.99 - $934.99
Current price $934.99

Experience brighter worlds vivid imagery and sharper details with 4K gaming and up to 120 FPS that makes everything feel so real it’s unreal.Quick ...

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Original price $934.99 - Original price $934.99
Original price
$934.99
$934.99 - $934.99
Current price $934.99

ROG Xbox Ally 7" FHD 120Hz Gaming Handheld 3-Month Xbox Game Pass Premium AMD Ryzen Z2 A 16GB RAM 512GB SSD - Windows

ASUS
Original price $704.99 - Original price $704.99
Original price
$704.99
$704.99 - $704.99
Current price $704.99

Easier to PlayMore games. Better graphics. Higher performance. Wherever the limit is with gaming you’re closer to it with Windows 11.Full Xbox Expe...

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Original price $704.99 - Original price $704.99
Original price
$704.99
$704.99 - $704.99
Current price $704.99

PlayStation 5 Slim Console 1TB - PlayStation 5

Sony Computer Entertainment Am
Original price $761.99 - Original price $761.99
Original price
$761.99
$761.99 - $761.99
Current price $761.99

Slim DesignWith PS5 players get powerful gaming technology packed inside a sleek and compact console design.1TB of StorageKeep your favorite games ...

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Original price $761.99 - Original price $761.99
Original price
$761.99
$761.99 - $761.99
Current price $761.99

ASUS - ROG Strix G16 16" FHD 165Hz Gaming Laptop - AMD Ryzen 9 HX - 16GB RAM - NVIDIA GeForce RTX 5070 Ti - 1TB SSD - Eclipse Gray

ASUS
Original price $2,542.99 - Original price $2,542.99
Original price
$2,542.99
$2,542.99 - $2,542.99
Current price $2,542.99

Intuitive Windows 11 HomeGame create and connect with family and friends - Windows 11 Home is the place for it all. With a fresh new feel and tools...

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Original price $2,542.99 - Original price $2,542.99
Original price
$2,542.99
$2,542.99 - $2,542.99
Current price $2,542.99

Insignia - 3.7 Cu. Ft. High Efficiency 12-Cycle Top-Loading Washer - White

Insignia
Original price $594.99 - Original price $594.99
Original price
$594.99
$594.99 - $594.99
Current price $594.99

3.7 cu. ft. capacityReduces the number of loads to cut your laundry time.Top loadThis white top-load design lets you load from standing position ra...

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

Acer - Nitro 65 Gaming Desktop - AMD Ryzen 7 8700F 2024 - NVIDIA GeForce RTX 5060 - 16GB DDR5 Memory 1TB Storage - Black

Acer
Original price $1,707.99 - Original price $1,707.99
Original price
$1,707.99
$1,707.99 - $1,707.99
Current price $1,707.99

Windows 11 HomeWindows 11 was designed with you at the center - to make life easier more creative secure connected and fun It's also faster with ne...

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Original price $1,707.99 - Original price $1,707.99
Original price
$1,707.99
$1,707.99 - $1,707.99
Current price $1,707.99

Microsoft - Xbox Wireless Controller for Xbox Series X Xbox Series S Xbox One Windows Devices - Shock Blue

Microsoft
Original price $86.99 - Original price $86.99
Original price
$86.99
$86.99 - $86.99
Current price $86.99

Elevate your gameExperience the modernized design of the Xbox Wireless Controller in Shock Blue featuring sculpted surfaces and refined geometry fo...

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Original price $86.99 - Original price $86.99
Original price
$86.99
$86.99 - $86.99
Current price $86.99

Microsoft - Xbox Wireless Controller for Xbox Series X Xbox Series S Xbox One Windows Devices - Robot White

Microsoft
Original price $61.99 - Original price $61.99
Original price
$61.99
$61.99 - $61.99
Current price $61.99

Elevate your gameExperience the modernized design of the Xbox Wireless Controller in Robot White featuring sculpted surfaces and refined geometry f...

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Original price $61.99 - Original price $61.99
Original price
$61.99
$61.99 - $61.99
Current price $61.99

iBUYPOWER - Slate Gaming Desktop PC - AMD Ryzen 5 8400F 2024 NVIDIA GeForce RTX 5060 8GB 16GB DDR5 1TB NVMe SSD Storage - Black

iBuyPower
Original price $1,534.99 - Original price $1,534.99
Original price
$1,534.99
$1,534.99 - $1,534.99
Current price $1,534.99

Windows 11 HomeWindows 11 Home has all the power and security of Windows 10 with a redesigned and refreshed look. It comes with new tools sounds an...

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Original price $1,534.99 - Original price $1,534.99
Original price
$1,534.99
$1,534.99 - $1,534.99
Current price $1,534.99

Switch 2 + Mario Kart World Bundle

Nintendo
Original price $635.99 - Original price $635.99
Original price
$635.99
$635.99 - $635.99
Current price $635.99

Bundle includesNintendo Switch 2 console Mario Kart World digital download Code for 3-month Nintendo Switch Online Individual Membership Joy-Con 2 ...

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Original price $635.99 - Original price $635.99
Original price
$635.99
$635.99 - $635.99
Current price $635.99

Samsung - Galaxy Z Fold8 Ultra 512GB (Unlocked) - Violet Shadow

Samsung
Original price $2,598.99 - Original price $2,598.99
Original price
$2,598.99
$2,598.99 - $2,598.99
Current price $2,598.99

Unfold more possibilitiesWhatever shape your life takes we’ve got a foldable that fits. After years of crafting and perfecting our latest is our gr...

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Original price $2,598.99 - Original price $2,598.99
Original price
$2,598.99
$2,598.99 - $2,598.99
Current price $2,598.99

Logitech - RS50 System 3-Piece Sim Racing Steering Wheel Setup - RS50 Wheel base RS Wheel Hub and RS Round Wheel For PS5/PS4/PC - Black

Logitech
Original price $738.99 - Original price $738.99
Original price
$738.99
$738.99 - $738.99
Current price $738.99

RS50 BaseCompatible with any Logitech G RS or PRO sim racing wheel with 8 Nm of Direct Drive peak torque for ultra-realistic TRUEFORCE feedback.RS ...

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Original price $738.99 - Original price $738.99
Original price
$738.99
$738.99 - $738.99
Current price $738.99

Meta - Quest 3S 128GB Virtual Reality Headset Without Wires — Thirty-Three Percent More Memory — 2X Graphical Processing - White

Meta
Original price $397.99 - Original price $397.99
Original price
$397.99
$397.99 - $397.99
Current price $397.99

NO WIRES MORE FUNBreak free from cords. Game play exercise and explore immersive worlds — untethered and without limits.2X GRAPHICAL PROCESSING POW...

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Original price $397.99 - Original price $397.99
Original price
$397.99
$397.99 - $397.99
Current price $397.99

Meta - Quest 3S 256GB VR Without Wires — Thirty-Three Percent More Memory — 2X Graphical Processing - White

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

NO WIRES MORE FUNBreak free from cords. Game play exercise and explore immersive worlds — untethered and without limits.2X GRAPHICAL PROCESSING POW...

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

Microsoft - Xbox Wireless Controller for Xbox Series X Xbox Series S Xbox One Windows Devices - Pulse Red

Microsoft
Original price $92.99 - Original price $92.99
Original price
$92.99
$92.99 - $92.99
Current price $92.99

Elevate your gameExperience the modernized design of the Xbox Wireless Controller in Pulse Red featuring sculpted surfaces and refined geometry for...

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Original price $92.99 - Original price $92.99
Original price
$92.99
$92.99 - $92.99
Current price $92.99

Seagate - Game Drive for Xbox 2TB External USB 3.2 Gen 1 Portable Hard Drive Xbox Certified with Green LED Bar - Black

Seagate
Original price $175.99 - Original price $175.99
Original price
$175.99
$175.99 - $175.99
Current price $175.99

2TB storage capacityCapacity to build the ultimate Game Vault without sacrificing titles.USB 3.2 Gen 1 interfaceBus-powered for quick and easy inst...

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Original price $175.99 - Original price $175.99
Original price
$175.99
$175.99 - $175.99
Current price $175.99

Samsung - Galaxy Tab S12 Ultra - 14.6" 256GB - Wi-Fi 7 - with S-Pen - Silver

Samsung
Original price $1,560.99 - Original price $1,560.99
Original price
$1,560.99
$1,560.99 - $1,560.99
Current price $1,560.99

Performance that keeps up with what’s nextWhether you’re running demanding apps multitasking creating with AI or gaming the MediaTek Dimensity 9500...

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Original price $1,560.99 - Original price $1,560.99
Original price
$1,560.99
$1,560.99 - $1,560.99
Current price $1,560.99

Switch 2 + Nintendo Switch Sports Resort Bundle

Nintendo
Original price $613.99 - Original price $613.99
Original price
$613.99
$613.99 - $613.99
Current price $613.99

Save with this bundle which includes Nintendo Switch 2 the most powerful Nintendo system yetIncludes Nintendo Switch Sports Resort digital game dow...

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Original price $613.99 - Original price $613.99
Original price
$613.99
$613.99 - $613.99
Current price $613.99

LG - UltraGear 27" QHD Glossy OLED 240Hz Gaming Monitor 0.03ms NVIDIA G-SYNC AMD FreeSync Premium Pro DisplayHDR TrueBlack400 - Black

LG
Original price $406.99 - Original price $406.99
Original price
$406.99
$406.99 - $406.99
Current price $406.99

LG UltraGear OLED Goes GlossyExperience ultra-smooth tear-free gameplay with up to 240Hz refresh rate185; and 0.03ms response time on a glossy brig...

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Original price $406.99 - Original price $406.99
Original price
$406.99
$406.99 - $406.99
Current price $406.99

HP - 15.6" Full HD Touchscreen Laptop - AMD Ryzen 7 (2023) - 16GB Memory - 512GB SSD - Natural Silver

HP
Original price $778.99 - Original price $778.99
Original price
$778.99
$778.99 - $778.99
Current price $778.99

AMD Ryzen 7 7730U processorExperience a whole new level of speed and power in a laptop powered by an AMD Ryzen processor. Accelerate your work and ...

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

Samsung - 32" Odyssey OLED G7 (G73SH) Dual Mode (4K UHD 165Hz FHD 330Hz) 0.03 ms NVIDIA Gsync AMD FreeSync Premium Pro - Black

Samsung
Original price $1,279.99 - Original price $1,279.99
Original price
$1,279.99
$1,279.99 - $1,279.99
Current price $1,279.99

OLED in 4KDiscover the small details that make your game world more lifelike. OLED technology provides clear and sharp 4K visuals (3840 x 2160) fea...

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Original price $1,279.99 - Original price $1,279.99
Original price
$1,279.99
$1,279.99 - $1,279.99
Current price $1,279.99

Gigabyte Radeon RX 9070 XT GAMING OC 16G - graphics card - Radeon RX 9070 XT - 16 GB

GIGABYTE
Original price $1,149.99 - Original price $1,149.99
Original price
$1,149.99
$1,149.99 - $1,149.99
Current price $1,149.99

Graphics Processing Unit (Gpu)/Clock SpeedPowered by Radeon RX 9070 XTVideo Memory16gb gddr6Interface Compatibilitypci express 5.0Amd Radeon Techno...

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Original price $1,149.99 - Original price $1,149.99
Original price
$1,149.99
$1,149.99 - $1,149.99
Current price $1,149.99

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.