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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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ROG Xbox Ally 7" FHD 120Hz Gaming Handheld - AMD Ryzen Z2 A Processor - 16GB with 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

Nintendo Switch 2 System - Multi

Nintendo
Original price $526.99 - Original price $526.99
Original price
$526.99
$526.99 - $526.99
Current price $526.99

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 $526.99 - Original price $526.99
Original price
$526.99
$526.99 - $526.99
Current price $526.99

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

Insignia
Original price $591.99 - Original price $591.99
Original price
$591.99
$591.99 - $591.99
Current price $591.99

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 $591.99 - Original price $591.99
Original price
$591.99
$591.99 - $591.99
Current price $591.99

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

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 $2,095.99 - Original price $2,095.99
Original price
$2,095.99
$2,095.99 - $2,095.99
Current price $2,095.99

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 $2,095.99 - Original price $2,095.99
Original price
$2,095.99
$2,095.99 - $2,095.99
Current price $2,095.99

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 - 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 $165.99 - Original price $165.99
Original price
$165.99
$165.99 - $165.99
Current price $165.99

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 $165.99 - Original price $165.99
Original price
$165.99
$165.99 - $165.99
Current price $165.99

Switch 2 Choose Your Game Bundle

Nintendo
Original price $589.99 - Original price $589.99
Original price
$589.99
$589.99 - $589.99
Current price $589.99

Kick off the fun with a Nintendo Switch 2 system your choice of a select digital game and a savings of up to 29.99This bundle includes a Choose One...

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Original price $589.99 - Original price $589.99
Original price
$589.99
$589.99 - $589.99
Current price $589.99

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

Acer
Original price $1,604.99 - Original price $1,604.99
Original price
$1,604.99
$1,604.99 - $1,604.99
Current price $1,604.99

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 $1,604.99 - Original price $1,604.99
Original price
$1,604.99
$1,604.99 - $1,604.99
Current price $1,604.99

iBUYPOWER - Trace Gaming Desktop PC AMD Ryzen 7 9800X3D 2025 AMD Radeon RX 9070XT 16GB 32GB DDR5 RGB 2TB NVMe SSD Storage - White

iBuyPower
Original price $2,683.99 - Original price $2,683.99
Original price
$2,683.99
$2,683.99 - $2,683.99
Current price $2,683.99

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 $2,683.99 - Original price $2,683.99
Original price
$2,683.99
$2,683.99 - $2,683.99
Current price $2,683.99

HP OMEN - 35L Gaming Desktop - Intel Core i7-14700F 2024 - 32GB Memory - NVIDIA GeForce RTX 5080 - 1TB SSD - Shadow Black

HP
Original price $3,065.99 - Original price $3,065.99
Original price
$3,065.99
$3,065.99 - $3,065.99
Current price $3,065.99

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

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Original price $3,065.99 - Original price $3,065.99
Original price
$3,065.99
$3,065.99 - $3,065.99
Current price $3,065.99

HP OMEN - MAX 16" OLED 240Hz Gaming Laptop - Intel Core Ultra 9 - 32GB DDR5 Memory - NVIDIA GeForce RTX 5080 - 2TB SSD - Shadow Black

HP
Original price $3,521.99 - Original price $3,521.99
Original price
$3,521.99
$3,521.99 - $3,521.99
Current price $3,521.99

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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Original price $3,521.99 - Original price $3,521.99
Original price
$3,521.99
$3,521.99 - $3,521.99
Current price $3,521.99

ASUS - ROG Zephyrus G16 16" OLED 2.5K 240Hz Gaming Laptop - Intel Core Ultra 9 - 32GB RAM - NVIDIA GeForce RTX 5080 - 2TB SSD - Eclipse Gray

ASUS
Original price $3,329.99 - Original price $3,329.99
Original price
$3,329.99
$3,329.99 - $3,329.99
Current price $3,329.99

Make gaming and creating easier with Windows 11 HomeGame create and maximize your productivity - Windows 11 Home is the one place for it all. With ...

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Original price $3,329.99 - Original price $3,329.99
Original price
$3,329.99
$3,329.99 - $3,329.99
Current price $3,329.99

LG - 32" Class LR65 Series LED HD webOS TV (2024)

LG Electronics
Original price $194.99 - Original price $194.99
Original price
$194.99
$194.99 - $194.99
Current price $194.99

High Definition TVEnjoy movies and TV shows upscaled to HD for a sharper image and more lifelike details.¿5 AI Processor Gen6Enhanced brightness im...

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Original price $194.99 - Original price $194.99
Original price
$194.99
$194.99 - $194.99
Current price $194.99

Sony - PULSE Explore Wireless Gaming Earbuds - for PS5 - White

Sony Computer Entertainment Am
Original price $254.99 - Original price $254.99
Original price
$254.99
$254.99 - $254.99
Current price $254.99

Planar Magnetic DriversStudio-inspired drivers reproduce soundscapes with ultra-low distortion to deliver rich details and deep clear bass so you c...

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Original price $254.99 - Original price $254.99
Original price
$254.99
$254.99 - $254.99
Current price $254.99

LG - 65 Class UA7050 Series LED AI 4K UHD Smart webOS TV (2025)

LG
Original price $528.99 - Original price $528.99
Original price
$528.99
$528.99 - $528.99
Current price $528.99

4K UHD TVEverything you need to bring your favorite content to life with the power of 4K and the extras you crave.Alpha 7 AI Processor Gen8Enhanced...

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Original price $528.99 - Original price $528.99
Original price
$528.99
$528.99 - $528.99
Current price $528.99

Acer - Nitro ED273U 27" 1000R Curved WQHD 180Hz 0.5ms FreeSync Gaming Monitor

Acer
Original price $225.99 - Original price $225.99
Original price
$225.99
$225.99 - $225.99
Current price $225.99

Vibrant ImagesCrisp true-to-life colors come alive in WQHD resolution. Movies and games appear more real and dramatic and small details and text ar...

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Original price $225.99 - Original price $225.99
Original price
$225.99
$225.99 - $225.99
Current price $225.99

TCL 75" QM5K Series 4K UHD HDR QD-Mini LED Smart TV with Google TV (2025)

TCL
Original price $879.99
Original price $879.99 - Original price $879.99
Original price $879.99
Current price $829.99
$829.99 - $829.99
Current price $829.99

QD-Mini LEDThis premium level of Mini LED TV now with the New TCL Halo Control System ensures a high-quality viewing experience.TCL Halo Control Sy...

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Original price $879.99
Original price $879.99 - Original price $879.99
Original price $879.99
Current price $829.99
$829.99 - $829.99
Current price $829.99

AMD - Ryzen 9 7900X 12-Core - 24-Thread 4.7 GHz (5.6 GHz Max Boost) Socket AM5 Unlocked Desktop Processor - Silver

AMD
Original price $418.99 - Original price $418.99
Original price
$418.99
$418.99 - $418.99
Current price $418.99

AMD EXPOAMD EXPO technology can unlock improved memory performance for faster gaming.Large CacheAMD Ryzen 7000 Series desktop processors feature la...

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Original price $418.99 - Original price $418.99
Original price
$418.99
$418.99 - $418.99
Current price $418.99

Microsoft - Xbox Wireless Controller for Xbox Series X Xbox Series S Xbox One Windows Devices - Deep Pink

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 Deep Pink featuring sculpted surfaces and refined geometry for...

View full details
Original price $92.99 - Original price $92.99
Original price
$92.99
$92.99 - $92.99
Current price $92.99

ASUS ProArt PA279CRV - LED monitor - 4K - 27" - HDR

ASUS
Original price $583.99 - Original price $583.99
Original price
$583.99
$583.99 - $583.99
Current price $583.99

ASUS ProArt PA279CRV - LED monitor - 27" - 3840 x 2160 4K 60 Hz - IPS - 350 cd/m² - 10001 - HDR10 - 5 ms - 2xHDMI 2xDisplayPort USB-C - speakers

Original price $583.99 - Original price $583.99
Original price
$583.99
$583.99 - $583.99
Current price $583.99

Glorious - Model D Lightweight Wired Optical Gaming Mouse with Customizable RGB - Wired - Black

Glorious
Original price $58.99 - Original price $58.99
Original price
$58.99
$58.99 - $58.99
Current price $58.99

Size styleErgonomic lightweight mouse for gaming. Built for speed control and comfort with optimal weight and high durability. Ideal for medium an...

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Original price $58.99 - Original price $58.99
Original price
$58.99
$58.99 - $58.99
Current price $58.99

HyperX - OMEN 16" 165Hz 2K Gaming Laptop - Intel Core Ultra 7 356H (2026) - 16GB Memory - NVIDIA GeForce RTX 5060 - 512GB SSD - Shadow Black

HyperX
Original price $2,295.99 - Original price $2,295.99
Original price
$2,295.99
$2,295.99 - $2,295.99
Current price $2,295.99

Intel Evo platform powered by Intel Core Ultra 7 356H processorNo tradeoffs. Delivers what matters incredible battery life powerful performance bui...

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Original price $2,295.99 - Original price $2,295.99
Original price
$2,295.99
$2,295.99 - $2,295.99
Current price $2,295.99

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.