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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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TCL - 65" Class QM6K Series 4K UHD HDR QD Mini LED Smart TV with Google TV (2025)

TCL
Original price $758.99 - Original price $758.99
Original price
$758.99
$758.99 - $758.99
Current price $758.99

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 $758.99 - Original price $758.99
Original price
$758.99
$758.99 - $758.99
Current price $758.99

Lenovo - Chromebook Plus 2-in-1 14" Full HD Touchscreen Laptop - Intel Core 3 Processor N355 2025 - 8GB Memory - 128GB UFS - Cosmic Blue

Lenovo
Original price $708.99 - Original price $708.99
Original price
$708.99
$708.99 - $708.99
Current price $708.99

Runs ChromeOS+The fast secure operating system from Google with built-in Google apps like Gmail Gemini Docs Photos YouTube and more so you can go f...

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Original price $708.99 - Original price $708.99
Original price
$708.99
$708.99 - $708.99
Current price $708.99

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

HP
Original price $1,950.99 - Original price $1,950.99
Original price
$1,950.99
$1,950.99 - $1,950.99
Current price $1,950.99

AMD Ryzen 5 8400F processorThe AMD Ryzen 8400F processor has high-performance processing power intense graphics capabilities and the first neural p...

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Original price $1,950.99 - Original price $1,950.99
Original price
$1,950.99
$1,950.99 - $1,950.99
Current price $1,950.99

ASUS - V500 Desktop - Intel Core i5 - 16GB Memory - 1TB SSD - Dark Gray

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

Windows 11 HomeExperience a streamlined modern interface with Windows 11 designed to enhance productivity creativity and connectivity.Powerful 13th...

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

NETGEAR - Orbi 870 Series BE21000 Tri-Band Mesh Wi-Fi 7 System (3-pack) - White

NETGEAR
Original price $1,197.99 - Original price $1,197.99
Original price
$1,197.99
$1,197.99 - $1,197.99
Current price $1,197.99

BE21000 tri-band mesh Wi-Fi router and satellitesOrbi 870 Series with Wi-Fi 7 unleashes speeds up to 21 Gbps for unparalleled performance and mesh ...

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Original price $1,197.99 - Original price $1,197.99
Original price
$1,197.99
$1,197.99 - $1,197.99
Current price $1,197.99

MSI - Aegis ZS2 Gaming Desktop - AMD Ryzen R9-9900X - 32GB Memory - NVIDIA GeForce RTX 5070 - 2TB SSD - Black

MSI
Original price $2,663.99 - Original price $2,663.99
Original price
$2,663.99
$2,663.99 - $2,663.99
Current price $2,663.99

Windows 11 operating systemEquipped with brand new Windows 11 with all its new features.AMD Ryzen R9-9900XExperience blazing speed and exceptional ...

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Original price $2,663.99 - Original price $2,663.99
Original price
$2,663.99
$2,663.99 - $2,663.99
Current price $2,663.99

TCL - 98" Class QM6K Series 4K UHD HDR QD Mini LED Smart TV with Google TV (2025)

TCL
Original price $2,195.99 - Original price $2,195.99
Original price
$2,195.99
$2,195.99 - $2,195.99
Current price $2,195.99

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 $2,195.99 - Original price $2,195.99
Original price
$2,195.99
$2,195.99 - $2,195.99
Current price $2,195.99

HyperX - Cloud III S Wireless Gaming Headset for PC PS5 PS4 Nintendo Switch Mac and Mobile - White

HP
Original price $200.99 - Original price $200.99
Original price
$200.99
$200.99 - $200.99
Current price $200.99

Up to 120 Hours178; of Uninterrupted Gaming on a Single ChargeAchieve up to 120 hours of gameplay on 2.4GHz. Push the limits even further with up t...

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Original price $200.99 - Original price $200.99
Original price
$200.99
$200.99 - $200.99
Current price $200.99

Glorious - Model O Eternal Lightweight Wired Optical Gaming Mouse with Dual-Zone RGB Lighting - Wired - Matte Black

Glorious
Original price $54.99 - Original price $54.99
Original price
$54.99
$54.99 - $54.99
Current price $54.99

55g Ultralight WeightUp to 35 lighter than competitors thanks to our signature honeycomb shell that reduces weight without compromising comfort or ...

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Original price $54.99 - Original price $54.99
Original price
$54.99
$54.99 - $54.99
Current price $54.99

ASUS - ROG Strix 27" 4K OLED 240Hz 0.03ms Gaming Monitor with FreeSync Premium Pro and HDR (DisplayPort HDMI) - Black

ASUS
Original price $902.99 - Original price $902.99
Original price
$902.99
$902.99 - $902.99
Current price $902.99

4K Resolution26.5-inch 4K (3840 x 2160) QD-OLED gaming monitor with 240Hz refresh rate and 0.03ms response timeLatest 4th-gen QD-OLED TechnologyDel...

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Original price $902.99 - Original price $902.99
Original price
$902.99
$902.99 - $902.99
Current price $902.99

HP - 23.8" Full HD Touch-Screen All-in-One - Intel Core i3 - 8GB Memory - 512GB SSD - Shell White

HP
Original price $988.99 - Original price $988.99
Original price
$988.99
$988.99 - $988.99
Current price $988.99

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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Original price $988.99 - Original price $988.99
Original price
$988.99
$988.99 - $988.99
Current price $988.99

Dell - S2725QC 27" IPS LED 4K UHD 120Hz FreeSync Premium Monitor (USB-C HDMI) - Ash White

Dell
Original price $329.99 - Original price $329.99
Original price
$329.99
$329.99 - $329.99
Current price $329.99

Low blue lightThe improved ComfortView Plus reduces harmful blue light emissions to =35 for all-day comfort without sacrificing color accuracy.Refr...

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Original price $329.99 - Original price $329.99
Original price
$329.99
$329.99 - $329.99
Current price $329.99

TP-Link - Archer BE5000 Dual-Band Wi-Fi 7 Router - Black

TP Link
Original price $154.99 - Original price $154.99
Original price
$154.99
$154.99 - $154.99
Current price $154.99

5 Gbps Lightning-Fast SpeedsEnjoy incredible Wi-Fi speeds of up to 5 Gbps — with speeds reaching 4324 Mbps on the 5 GHz band and 688 Mbps on the 2....

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Original price $154.99 - Original price $154.99
Original price
$154.99
$154.99 - $154.99
Current price $154.99

MSI - Vector 16 HX AI 16" 144Hz FHD+ Gaming Laptop - Intel Ultra 7-255HX - GeForce RTX 5070Ti - 16GB Memory - 1TBSSD - Cosmo Gray

MSI
Original price $2,012.99 - Original price $2,012.99
Original price
$2,012.99
$2,012.99 - $2,012.99
Current price $2,012.99

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...

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Original price $2,012.99 - Original price $2,012.99
Original price
$2,012.99
$2,012.99 - $2,012.99
Current price $2,012.99

ASUS - TUF Gaming F16 16" FHD+ 165Hz Gaming Laptop - Intel Core i7-14650HX - 32GB RAM - NVIDIA GeForce RTX 5060 - 1TB SSD - Jaeger Gray

ASUS
Original price $1,775.99 - Original price $1,775.99
Original price
$1,775.99
$1,775.99 - $1,775.99
Current price $1,775.99

Windows 11 Home Operating SystemGame create and maximize your productivity—Windows 11 Home is the one place for it all. With a fresh new feel and t...

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Original price $1,775.99 - Original price $1,775.99
Original price
$1,775.99
$1,775.99 - $1,775.99
Current price $1,775.99

ASUS - ROG Zephyrus G14 14" OLED 3K 120Hz Gaming Laptop - AMD Ryzen 9 270 - 16GB LPDDR5X - GeForce RTX 5060 - 1TB SSD - Platinum White

ASUS
Original price $2,374.99 - Original price $2,374.99
Original price
$2,374.99
$2,374.99 - $2,374.99
Current price $2,374.99

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 ad...

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Original price $2,374.99 - Original price $2,374.99
Original price
$2,374.99
$2,374.99 - $2,374.99
Current price $2,374.99

Samsung - 24" S3 (S36GD) LED FHD 100Hz Curved Monitor (HDMI D-sub) - Black

Samsung
Original price $182.99 - Original price $182.99
Original price
$182.99
$182.99 - $182.99
Current price $182.99

1800R Curved ScreenAn immersive viewing experience with a curved monitor that wraps more closely around your field of vision. It creates a wider vi...

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Original price $182.99 - Original price $182.99
Original price
$182.99
$182.99 - $182.99
Current price $182.99

TCL - 85" Class QM6K Series 4K UHD HDR QD Mini LED Smart TV with Google TV (2025)

TCL
Original price $1,299.99 - Original price $1,299.99
Original price
$1,299.99
$1,299.99 - $1,299.99
Current price $1,299.99

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...

View full details
Original price $1,299.99 - Original price $1,299.99
Original price
$1,299.99
$1,299.99 - $1,299.99
Current price $1,299.99

MSI - Vector 16 HX AI 400 16" 240Hz QHD+ Gaming Laptop - Intel Ultra 9-275HX - GeForce RTX 5080 - 16GB Memory - 1TBSSD - Cosmo Gray

MSI
Original price $2,645.99 - Original price $2,645.99
Original price
$2,645.99
$2,645.99 - $2,645.99
Current price $2,645.99

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 $2,645.99 - Original price $2,645.99
Original price
$2,645.99
$2,645.99 - $2,645.99
Current price $2,645.99

Samsung - 37" ViewFinity S8 S80UD LED 4K UHD High Resolution Monitor with HDR10 USB-C and Ergonomic Stand - Black

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

UHD ResolutionVisual excellence that professionals demand. UHD (3840x2160) resolution reveals greater levels of detail with higher pixel density. P...

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

TP-Link - BE3600 Wi-Fi 7 Range Extender - White

TP Link
Original price $168.99 - Original price $168.99
Original price
$168.99
$168.99 - $168.99
Current price $168.99

3.6 Gbps Dual-Band Wi-Fi SpeedsExperience blazing-fast speeds with enhanced performance and boosted capacity thanks to the separate 5 GHz band (288...

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Original price $168.99 - Original price $168.99
Original price
$168.99
$168.99 - $168.99
Current price $168.99

Razer - Huntsman V3 Pro 8KHz Full Size Wired Analog Optical Linear Switch Gaming Keyboard with Snap Tap - Black

Razer
Original price $287.99 - Original price $287.99
Original price
$287.99
$287.99 - $287.99
Current price $287.99

Razer Analog Optical Switches Gen-2Max out on precision and response with next-gen switches featuring Rapid Trigger for ultra-fast repeated inputs ...

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Original price $287.99 - Original price $287.99
Original price
$287.99
$287.99 - $287.99
Current price $287.99

Acer - PM161W 16.0" WUXGA 60Hz FreeSync Compatible IPS Portable Monitor (2 x USB 3.1 Type-C Mini HDMI Audio Out) - Black

Acer
Original price $129.99 - Original price $129.99
Original price
$129.99
$129.99 - $129.99
Current price $129.99

Ultra-Slim Portable DesignGet outstanding portability with an ultra-light ultraslim PM1 Series monitor. At just 1.43lbs and only 0.52" thin the 16....

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Original price $129.99 - Original price $129.99
Original price
$129.99
$129.99 - $129.99
Current price $129.99

Insignia - 6 ft. 8K HDMI Cable - Black

Insignia
Original price $42.99 - Original price $42.99
Original price
$42.99
$42.99 - $42.99
Current price $42.99

Transfers high-quality audio and videoA single cable is all that’s needed to connect an HDMI source to your display.Wide-ranging compatibilityWorks...

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Original price $42.99 - Original price $42.99
Original price
$42.99
$42.99 - $42.99
Current price $42.99

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.