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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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iBUYPOWER - Trace Gaming Desktop PC AMD Ryzen 7 9800X3D 2025 NVIDIA GeForce RTX 5070Ti 16GB 32GB DDR5 2TB SSD Storage - White

iBuyPower
Original price $2,967.99 - Original price $2,967.99
Original price
$2,967.99
$2,967.99 - $2,967.99
Current price $2,967.99

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...

View full details
Original price $2,967.99 - Original price $2,967.99
Original price
$2,967.99
$2,967.99 - $2,967.99
Current price $2,967.99

SteelSeries - Arctis Nova Pro Omni 2.4 GHz Wireless Over-The-Ear Gaming Headset for PC PS5/PS4 Xbox One Xbox X/S Switch/Switch 2 - Black

Steel Series
Original price $410.99 - Original price $410.99
Original price
$410.99
$410.99 - $410.99
Current price $410.99

Hi-Res Certified Wireless 96 kHz / 24-bit AudioOfficially certified to meet the highest standards for wireless audio. Get high-fidelity with less c...

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Original price $410.99 - Original price $410.99
Original price
$410.99
$410.99 - $410.99
Current price $410.99

Lenovo - IdeaPad Slim 3 Chromebook - 14" 2K Touchscreen Laptop - MediaTek Kompanio 540 2025 - 8GB Memory - 128GB UFS - Cosmic Blue

Lenovo
Original price $534.99 - Original price $534.99
Original price
$534.99
$534.99 - $534.99
Current price $534.99

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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Original price $534.99 - Original price $534.99
Original price
$534.99
$534.99 - $534.99
Current price $534.99

AOC - 16T35 15.6" IPS Portable Monitor FHD (1920x1080) USB-C - Black

AOC
Original price $99.99 - Original price $99.99
Original price
$99.99
$99.99 - $99.99
Current price $99.99

15.6" FHD IPS DisplayThe 15.6" Full HD 1920 x 1080 IPS panel delivers crisp visuals with accurate colors and wide viewing angles. This ensures cons...

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Original price $99.99 - Original price $99.99
Original price
$99.99
$99.99 - $99.99
Current price $99.99

Logitech - G512 X 75 Tenkeyless DUAL SWAP Hot-Swappable TMR Analog / Mechanical Gaming Keyboard for PC Mac with LIGHTSYNC RGB - White

Logitech
Original price $230.99 - Original price $230.99
Original price
$230.99
$230.99 - $230.99
Current price $230.99

DUAL SWAPSwitch between magnetic analog and mechanical switches for max versatility. Includes 9 GATERON K20 analog switches for use across 39 dedic...

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Original price $230.99 - Original price $230.99
Original price
$230.99
$230.99 - $230.99
Current price $230.99

LG - 83" Class C5 Series OLED evo AI 4K UHD Smart webOS TV (2025)

LG
Original price $3,335.99 - Original price $3,335.99
Original price
$3,335.99
$3,335.99 - $3,335.99
Current price $3,335.99

Brightness BoosterBrightness Booster technology magnifies each individual pixel for luminous quality that shines with every detailBright Room Ready...

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Original price $3,335.99 - Original price $3,335.99
Original price
$3,335.99
$3,335.99 - $3,335.99
Current price $3,335.99

Acer - Nitro 15.6" LCD FHD 165Hz FreeSync IPS Portable Gaming Monitor (USB Type-C Mini HDMI Audio Out) - Black

Acer
Original price $188.99 - Original price $188.99
Original price
$188.99
$188.99 - $188.99
Current price $188.99

Ultra-Slim Portable DesignGet outstanding portability with an ultra-light ultraslim PG1 Series portable gaming monitor. At just 2.73lbs and only 0....

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Original price $188.99 - Original price $188.99
Original price
$188.99
$188.99 - $188.99
Current price $188.99

TCL - 65" Class QM7K Series 4K UHD HDR QD Mini LED Smart TV with Google TV (2025)

TCL
Original price $1,102.99 - Original price $1,102.99
Original price
$1,102.99
$1,102.99 - $1,102.99
Current price $1,102.99

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 $1,102.99 - Original price $1,102.99
Original price
$1,102.99
$1,102.99 - $1,102.99
Current price $1,102.99

ASUS - PRIME NVIDIA GeForce RTX 5070 Ti OC Edition 16GB GDDR7 PCI Express 5.0 Graphics Card - Black

ASUS
Original price $1,150.99 - Original price $1,150.99
Original price
$1,150.99
$1,150.99 - $1,150.99
Current price $1,150.99

Powered byNVIDIA Blackwell architecture and DLSS 4SFF-Ready enthusiast GeForce cardCompatible with small-form-factor buildsAxial-tech fansFeature a...

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Original price $1,150.99 - Original price $1,150.99
Original price
$1,150.99
$1,150.99 - $1,150.99
Current price $1,150.99

AudioQuest - Pearl 48 16.4' - Black with White Stripes

AudioQuest
Original price $324.99 - Original price $324.99
Original price
$324.99
$324.99 - $324.99
Current price $324.99

8K-10KAudioQuest Pearl 48 HDMI cables can transfer up to professional 10K Ultra HD video. The incredible 48Gbps data rate is made possible by four ...

View full details
Original price $324.99 - Original price $324.99
Original price
$324.99
$324.99 - $324.99
Current price $324.99

Acer - Swift 16 AI - Copilot+ PC - 16" 3K OLED Touchscreen Laptop - Intel Core Ultra X7 358H 2026 - 16GB Memory - 1TB Storage - Basalt Gray

Acer
Original price $1,727.99 - Original price $1,727.99
Original price
$1,727.99
$1,727.99 - $1,727.99
Current price $1,727.99

Windows 11 Operating SystemWith intuitive navigation faster performance and stronger security Windows 11 is designed to elevate how you work and cr...

View full details
Original price $1,727.99 - Original price $1,727.99
Original price
$1,727.99
$1,727.99 - $1,727.99
Current price $1,727.99

HP - OmniBook X Flip 2-in-1 - 16" 2K OLED Touchscreen Laptop - Intel Core Ultra 7 (2026) - 16GB Memory - 1TB SSD - Copilot+ - Eclipse Gray

HP
Original price $1,837.99 - Original price $1,837.99
Original price
$1,837.99
$1,837.99 - $1,837.99
Current price $1,837.99

16" 2K OLED touchscreenExperience rich colors and crisp visuals for your everyday productivity with an OLED touch display 1920 x 1200 resolution an...

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Original price $1,837.99 - Original price $1,837.99
Original price
$1,837.99
$1,837.99 - $1,837.99
Current price $1,837.99

ASUS - PRIME NVIDIA GeForce RTX 5060 Ti 16GB GDDR7 PCI Express 5.0 Graphics Card - Black

ASUS
Original price $678.99 - Original price $678.99
Original price
$678.99
$678.99 - $678.99
Current price $678.99

AI Performance758 AI TOPS.Powered ByNVIDIA Blackwell architecture and DLSS 4.SFF-ReadyEnthusiast GeForce card.Axial-Tech FansFeatures a smaller fan...

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Original price $678.99 - Original price $678.99
Original price
$678.99
$678.99 - $678.99
Current price $678.99

Claw A8 BZ2EM 8" 120Hz FHD+ 1200P Gaming Handheld - Ryzen Z2 Extreme - AMD Radeon Graphic - 24GB - 1TBSSD - Windows

MSI
Original price $1,509.99 - Original price $1,509.99
Original price
$1,509.99
$1,509.99 - $1,509.99
Current price $1,509.99

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

View full details
Original price $1,509.99 - Original price $1,509.99
Original price
$1,509.99
$1,509.99 - $1,509.99
Current price $1,509.99

iBUYPOWER - Element Gaming Desktop PC - AMD Ryzen 7 9700F NVIDIA GeForce RTX 5070 12GB 32GB DDR5 RGB 1TB NVMe SSD - White

iBuyPower
Original price $2,236.99 - Original price $2,236.99
Original price
$2,236.99
$2,236.99 - $2,236.99
Current price $2,236.99

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...

View full details
Original price $2,236.99 - Original price $2,236.99
Original price
$2,236.99
$2,236.99 - $2,236.99
Current price $2,236.99

HP - OmniBook 3 - 17.3" Full HD Laptop - AMD Ryzen 5 40 ('25) - 8GB Memory - 512GB SSD - Glacier Silver

HP
Original price $733.99 - Original price $733.99
Original price
$733.99
$733.99 - $733.99
Current price $733.99

17.3" FHD display with IPSAlways see your content at its best—displayed in stunning Full HD resolution with 178-degree wide-viewing angles. AMD Fre...

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Original price $733.99 - Original price $733.99
Original price
$733.99
$733.99 - $733.99
Current price $733.99

LG - 42" Class C6 Series OLED evo AI 4K Smart webOS TV (2026)

LG
Original price $1,235.99 - Original price $1,235.99
Original price
$1,235.99
$1,235.99 - $1,235.99
Current price $1,235.99

Perfect Black Perfect ColorLG's flagship OLED technology creates an incredible watching experience and stellar picture quality with Perfect Black ...

View full details
Original price $1,235.99 - Original price $1,235.99
Original price
$1,235.99
$1,235.99 - $1,235.99
Current price $1,235.99

Acer - Chromebook 315 15.6" FHD Laptop with Google AI - MediaTek Kompanio 540 4GB Memory 128GB Storage Wi-Fi 6E - Silver

Acer
Original price $349.99 - Original price $349.99
Original price
$349.99
$349.99 - $349.99
Current price $349.99

The Best of Google in a LaptopChromebooks run ChromeOS the fast secure operating system from Google with built-in Google apps like Gmail Gemini Doc...

View full details
Original price $349.99 - Original price $349.99
Original price
$349.99
$349.99 - $349.99
Current price $349.99

AudioQuest - Pearl 48 2.5' 4K-8K-10K 48Gbps In-Wall Rated HDMI Cable - Black with White Stripes

AudioQuest
Original price $74.99 - Original price $74.99
Original price
$74.99
$74.99 - $74.99
Current price $74.99

8K-10KAudioQuest Pearl 48 HDMI cables can transfer up to professional 10K Ultra HD video. The incredible 48Gbps data rate is made possible by four ...

View full details
Original price $74.99 - Original price $74.99
Original price
$74.99
$74.99 - $74.99
Current price $74.99

SteelSeries - Aerox 3 Super Light Honeycomb Wireless RGB Optical Gaming Mouse - Wireless - Snow

Steel Series
Original price $122.99 - Original price $122.99
Original price
$122.99
$122.99 - $122.99
Current price $122.99

Beautiful RGBRadiant 3-zone prismsync RGB shines in 16.8 million configurable colors.Ultra LightweightPurposefully designed holey shell reduces wei...

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Original price $122.99 - Original price $122.99
Original price
$122.99
$122.99 - $122.99
Current price $122.99

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

MSI - Cubi NUC 1MG Mini Desktop - Intel Core 3-100U 2024 - 16GB Memory - Intel Graphics - 500GB Storage - Black

MSI
Original price $853.99 - Original price $853.99
Original price
$853.99
$853.99 - $853.99
Current price $853.99

Windows 11 operating systemEquipped with brand new Windows 11 with all its new features.Intel Core 3-100U processorPower through your day with the ...

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Original price $853.99 - Original price $853.99
Original price
$853.99
$853.99 - $853.99
Current price $853.99

Acer - Swift Go 16 AI - Copilot+ PC - 16" WUXGA Touchscreen Laptop - AMD Ryzen AI 9 465 2026 - 32GB Memory 1TB Storage - Obsidian Black

Acer
Original price $1,109.99 - Original price $1,109.99
Original price
$1,109.99
$1,109.99 - $1,109.99
Current price $1,109.99

Windows 11 Operating SystemWith intuitive navigation faster performance and stronger security Windows 11 is designed to elevate how you work and cr...

View full details
Original price $1,109.99 - Original price $1,109.99
Original price
$1,109.99
$1,109.99 - $1,109.99
Current price $1,109.99

HP - OmniBook X Flip 2-in-1 - 14" 2K OLED Touchscreen Laptop - AMD Ryzen AI 7 445 ('26) - 24GB Memory - 1TB SSD - Copilot+ - Deep Espresso

HP
Original price $1,815.99 - Original price $1,815.99
Original price
$1,815.99
$1,815.99 - $1,815.99
Current price $1,815.99

14-in 2K OLED touchscreen1920 x 1200 resolution delivers incredible detail wide-viewing angles and lifelike color reproduction. And with touch you ...

View full details
Original price $1,815.99 - Original price $1,815.99
Original price
$1,815.99
$1,815.99 - $1,815.99
Current price $1,815.99

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.