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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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HP - Victus 15.6" 144Hz Full HD Gaming Laptop - AMD Ryzen 7 7445HS - 16GB Memory - NVIDIA GeForce RTX 4050 - 512GB SSD - Mica Silver
$787.99 - $787.99
$787.99
$787.99 - $787.99
$787.99

HP - Victus 15.6" 144Hz Full HD Gaming Laptop - AMD Ryzen 7 7445HS - 16GB Memory - NVIDIA GeForce RTX 4050 - 512GB SSD - Mica Silver

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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$787.99 - $787.99
$787.99
$787.99 - $787.99
$787.99
HP - OmniBook X Flip 2-in-1 - Copilot+ PC - 14" 2K Touch-Screen Laptop - Intel Core Ultra 5 226V - 16GB Memory - 512GB SSD - Atmospheric Blue
$963.99 - $963.99
$963.99
$963.99 - $963.99
$963.99

HP - OmniBook X Flip 2-in-1 - Copilot+ PC - 14" 2K Touch-Screen Laptop - Intel Core Ultra 5 226V - 16GB Memory - 512GB SSD - Atmospheric Blue

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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$963.99 - $963.99
$963.99
$963.99 - $963.99
$963.99
HP - OmniBook X Flip 2-in-1 - Copilot+ PC - 16" 2K Touch-Screen Laptop - Intel Core Ultra 7 - 16GB Memory - 1TB SSD - Eclipse Gray
$891.99 - $891.99
$891.99
$891.99 - $891.99
$891.99

HP - OmniBook X Flip 2-in-1 - Copilot+ PC - 16" 2K Touch-Screen Laptop - Intel Core Ultra 7 - 16GB Memory - 1TB SSD - Eclipse Gray

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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$891.99 - $891.99
$891.99
$891.99 - $891.99
$891.99
HP OMEN - 35L Gaming Desktop - Intel Core i7-14700F - 32GB Memory - NVIDIA GeForce RTX 5080 - 1TB SSD - Shadow Black
$2,995.99 - $2,995.99
$2,995.99
$2,995.99 - $2,995.99
$2,995.99

HP OMEN - 35L Gaming Desktop - Intel Core i7-14700F - 32GB Memory - NVIDIA GeForce RTX 5080 - 1TB SSD - Shadow Black

HP

Intel Core i7-14700F processorIntel’s performance hybrid architecture optimizes your gaming content creation and productivity.Windows 11 Home opera...

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$2,995.99 - $2,995.99
$2,995.99
$2,995.99 - $2,995.99
$2,995.99
HP - OmniBook X 16" 2K OLED Touch-Screen Laptop - Intel Core Ultra 7 - 32GB DDR5 Memory - NVIDIA GeForce RTX 4050 - 2TB SSD - Meteor Silver
$1,748.99 - $1,748.99
$1,748.99
$1,748.99 - $1,748.99
$1,748.99

HP - OmniBook X 16" 2K OLED Touch-Screen Laptop - Intel Core Ultra 7 - 32GB DDR5 Memory - NVIDIA GeForce RTX 4050 - 2TB SSD - Meteor Silver

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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$1,748.99 - $1,748.99
$1,748.99
$1,748.99 - $1,748.99
$1,748.99
HP OMEN - Transcend 14" 120Hz 3K OLED Gaming Laptop - Intel Core Ultra 7-255H - 32GB Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Shadow Black
$2,032.99 - $2,032.99
$2,032.99
$2,032.99 - $2,032.99
$2,032.99

HP OMEN - Transcend 14" 120Hz 3K OLED Gaming Laptop - Intel Core Ultra 7-255H - 32GB Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Shadow Black

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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$2,032.99 - $2,032.99
$2,032.99
$2,032.99 - $2,032.99
$2,032.99
HP OMEN - MAX 16" OLED 240Hz Gaming Laptop - Intel Core Ultra 9 275HX 2025 - 32GB Memory - NVIDIA GeForce RTX 5080 - 2TB SSD - Shadow Black
$3,023.99 - $3,023.99
$3,023.99
$3,023.99 - $3,023.99
$3,023.99

HP OMEN - MAX 16" OLED 240Hz Gaming Laptop - Intel Core Ultra 9 275HX 2025 - 32GB Memory - NVIDIA GeForce RTX 5080 - 2TB SSD - Shadow Black

HP

Get A Fresh Perspective With Windows 11From a rejuvenated Start menu to new ways to connect to your favorite people news games and content—Windows ...

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$3,023.99 - $3,023.99
$3,023.99
$3,023.99 - $3,023.99
$3,023.99
HP - 17.3" Full HD Laptop - AMD Ryzen 5 7520U 2023 - 8GB Memory - 512GB SSD - Natural Silver
$525.99 - $525.99
$525.99
$525.99 - $525.99
$525.99

HP - 17.3" Full HD Laptop - AMD Ryzen 5 7520U 2023 - 8GB Memory - 512GB SSD - Natural Silver

HP

Get A Fresh Perspective With Windows 11From a rejuvenated Start menu to new ways to connect to your favorite people news games and content—Windows ...

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$525.99 - $525.99
$525.99
$525.99 - $525.99
$525.99
HP - OmniBook X - Copilot+ PC - 17.3" Full HD Touch-Screen Laptop - Intel Core Ultra 7 256V 2024 - 16GB Memory - 1TB SSD - Glacier Silver
$1,507.99 - $1,507.99
$1,507.99
$1,507.99 - $1,507.99
$1,507.99

HP - OmniBook X - Copilot+ PC - 17.3" Full HD Touch-Screen Laptop - Intel Core Ultra 7 256V 2024 - 16GB Memory - 1TB SSD - Glacier Silver

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$1,507.99 - $1,507.99
$1,507.99
$1,507.99 - $1,507.99
$1,507.99
HP - Victus 15.6" 144Hz Full HD Gaming Laptop - Intel Core i7-13620H 2023 - 16GB Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Mica Silver
$1,531.99 - $1,531.99
$1,531.99
$1,531.99 - $1,531.99
$1,531.99

HP - Victus 15.6" 144Hz Full HD Gaming Laptop - Intel Core i7-13620H 2023 - 16GB Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Mica Silver

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$1,531.99 - $1,531.99
$1,531.99
$1,531.99 - $1,531.99
$1,531.99
HP - OmniBook X Flip 2-in-1 16" 2K Touch-Screen Laptop - AMD Ryzen 5 220 2025 - 8GB Memory - 512GB SSD - Meteor Silver
$818.99 - $818.99
$818.99
$818.99 - $818.99
$818.99

HP - OmniBook X Flip 2-in-1 16" 2K Touch-Screen Laptop - AMD Ryzen 5 220 2025 - 8GB Memory - 512GB SSD - Meteor Silver

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$818.99 - $818.99
$818.99
$818.99 - $818.99
$818.99
HP OMEN - 16" 2K 144Hz Gaming Laptop - AMD Ryzen 9 8940HX 2025 - 32GB DDR5 Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Shadow Black
$1,370.99 - $1,370.99
$1,370.99
$1,370.99 - $1,370.99
$1,370.99

HP OMEN - 16" 2K 144Hz Gaming Laptop - AMD Ryzen 9 8940HX 2025 - 32GB DDR5 Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Shadow Black

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$1,370.99 - $1,370.99
$1,370.99
$1,370.99 - $1,370.99
$1,370.99
HP OMEN - MAX 16" WQXGA 240Hz Gaming Laptop - AMD Ryzen AI 9 HX 375 2024 - 32GB Memory - NVIDIA GeForce RTX 5070 Ti - 1TB SSD - Shadow Black
$2,283.99 - $2,283.99
$2,283.99
$2,283.99 - $2,283.99
$2,283.99

HP OMEN - MAX 16" WQXGA 240Hz Gaming Laptop - AMD Ryzen AI 9 HX 375 2024 - 32GB Memory - NVIDIA GeForce RTX 5070 Ti - 1TB SSD - Shadow Black

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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$2,283.99 - $2,283.99
$2,283.99
$2,283.99 - $2,283.99
$2,283.99
HP OMEN - 35L Gaming Desktop - AMD Ryzen 5 8400F - 16GB DDR5 Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Panda Metal
$1,198.99 - $1,198.99
$1,198.99
$1,198.99 - $1,198.99
$1,198.99

HP OMEN - 35L Gaming Desktop - AMD Ryzen 5 8400F - 16GB DDR5 Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Panda Metal

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$1,198.99 - $1,198.99
$1,198.99
$1,198.99 - $1,198.99
$1,198.99
HP OMEN - 16" 2K 144Hz Gaming Laptop - Intel Core Ultra 7 255H w/ AI Boost 2025 - 16GB Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Shadow Black
$1,255.99 - $1,255.99
$1,255.99
$1,255.99 - $1,255.99
$1,255.99

HP OMEN - 16" 2K 144Hz Gaming Laptop - Intel Core Ultra 7 255H w/ AI Boost 2025 - 16GB Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Shadow Black

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$1,255.99 - $1,255.99
$1,255.99
$1,255.99 - $1,255.99
$1,255.99
HP - 15.6" Full HD Touch-Screen Laptop - Intel Core i7 1355U 2023 - 16GB Memory - 512GB SSD - Natural Silver
$777.99 - $777.99
$777.99
$777.99 - $777.99
$777.99

HP - 15.6" Full HD Touch-Screen Laptop - Intel Core i7 1355U 2023 - 16GB Memory - 512GB SSD - Natural Silver

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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$777.99 - $777.99
$777.99
$777.99 - $777.99
$777.99
HP - 15.6" Chromebook Laptop - Intel Processor N200 2023 - 8GB Memory - 64GB eMMC - Natural Silver
$476.99 - $476.99
$476.99
$476.99 - $476.99
$476.99

HP - 15.6" Chromebook Laptop - Intel Processor N200 2023 - 8GB Memory - 64GB eMMC - Natural Silver

HP

Runs ChromeOSThe fast secure operating system from Google with built-in Google apps like Gmail Gemini Docs Photos youtube and more so you can go fr...

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$476.99 - $476.99
$476.99
$476.99 - $476.99
$476.99
HP - Victus 15.6" 144Hz Full HD Gaming Laptop - Intel Core i5 - 8GB Memory - NVIDIA GeForce RTX 3050 - 512GB SSD - Mica Silver
$699.99 - $699.99
$699.99
$699.99 - $699.99
$699.99

HP - Victus 15.6" 144Hz Full HD Gaming Laptop - Intel Core i5 - 8GB Memory - NVIDIA GeForce RTX 3050 - 512GB SSD - Mica Silver

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$699.99 - $699.99
$699.99
$699.99 - $699.99
$699.99
HP - OmniBook 5 - Copilot+ PC - 14" 2K OLED Touch-Screen Laptop - Snapdragon X Plus 2025 - 16GB Memory - 512GB SSD - Glacier Silver
$785.99 - $785.99
$785.99
$785.99 - $785.99
$785.99

HP - OmniBook 5 - Copilot+ PC - 14" 2K OLED Touch-Screen Laptop - Snapdragon X Plus 2025 - 16GB Memory - 512GB SSD - Glacier Silver

HP

Up to 34 hours battery life Feel free to leave your charger at home. The incredible 34-hour battery life lasts as long as your weekend trip so you...

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$785.99 - $785.99
$785.99
$785.99 - $785.99
$785.99
HP - 17.3" Full HD Laptop - Intel Core i7 1355U 2023 - 16GB Memory - 1TB SSD - Natural Silver
$703.99 - $703.99
$703.99
$703.99 - $703.99
$703.99

HP - 17.3" Full HD Laptop - Intel Core i7 1355U 2023 - 16GB Memory - 1TB SSD - Natural Silver

HP

17.3-in FHD display with IPSSee the details of every frame when you're enjoying the vibrant Full HD resolution and 178-degree wide-viewing angles o...

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$703.99 - $703.99
$703.99
$703.99 - $703.99
$703.99
HP - OmniBook X Flip 2-in-1 - Copilot+ PC - 14" 2K Touch-Screen Laptop - Intel Core Ultra 7 256V 2024 - 16GB Memory - 1TB SSD - Atmospheric Blue
$1,185.99 - $1,185.99
$1,185.99
$1,185.99 - $1,185.99
$1,185.99

HP - OmniBook X Flip 2-in-1 - Copilot+ PC - 14" 2K Touch-Screen Laptop - Intel Core Ultra 7 256V 2024 - 16GB Memory - 1TB SSD - Atmospheric Blue

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$1,185.99 - $1,185.99
$1,185.99
$1,185.99 - $1,185.99
$1,185.99
HP OMEN - MAX 16" 240Hz Gaming Laptop - Intel Core Ultra 9 275HX 2025 - 32GB Memory - NVIDIA GeForce RTX 5080 - 1TB SSD - Shadow Black
$2,887.99 - $2,887.99
$2,887.99
$2,887.99 - $2,887.99
$2,887.99

HP OMEN - MAX 16" 240Hz Gaming Laptop - Intel Core Ultra 9 275HX 2025 - 32GB Memory - NVIDIA GeForce RTX 5080 - 1TB SSD - Shadow Black

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$2,887.99 - $2,887.99
$2,887.99
$2,887.99 - $2,887.99
$2,887.99
HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Pale Rose Gold
$245.99 - $245.99
$245.99
$245.99 - $245.99
$245.99

HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Pale Rose Gold

HP

Windows 11 Home in S ModeExperience the most secure Windows ever built. With fast boot times increased responsiveness and added protection against ...

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$245.99 - $245.99
$245.99
$245.99 - $245.99
$245.99
HP - OmniDesk Desktop - Intel Core Ultra 5 - 16GB DDR5 Memory - 1TB SSD - Dark Wood
$660.99 - $660.99
$660.99
$660.99 - $660.99
$660.99

HP - OmniDesk Desktop - Intel Core Ultra 5 - 16GB DDR5 Memory - 1TB SSD - Dark Wood

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$660.99 - $660.99
$660.99
$660.99 - $660.99
$660.99

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.