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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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Alienware - AW2725DM 27" IPS LED QHD 180Hz 1ms FreeSync and G-Sync Gaming Monitor with HDR (HDMI DisplayPort) - Black

Dell
Original price $313.99 - Original price $313.99
Original price
$313.99
$313.99 - $313.99
Current price $313.99

Essential QHD performance for any gameExplore detailed worlds in high definition with QHD resolution fluid visuals and an iconic new design.Dive in...

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Original price $313.99 - Original price $313.99
Original price
$313.99
$313.99 - $313.99
Current price $313.99

NEXT - Wireless Rechargeable Pro Controller 2-Pack For Switch 2 Switch - Midnight Frost

NEXT
Original price $73.99 - Original price $73.99
Original price
$73.99
$73.99 - $73.99
Current price $73.99

Compatible with Switch 2 SwitchCompatible with Switch 2 original Switch Switch OLED Switch Lite and /PC (in wired mode)Wireless Bluetooth Connecti...

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Original price $73.99 - Original price $73.99
Original price
$73.99
$73.99 - $73.99
Current price $73.99

Lenovo - Chromebook Plus 2-in-1 14" Full HD

Lenovo
Original price $574.99 - Original price $574.99
Original price
$574.99
$574.99 - $574.99
Current price $574.99

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 $574.99 - Original price $574.99
Original price
$574.99
$574.99 - $574.99
Current price $574.99

SteelSeries - Arctis Nova 7X Gen 2 Wireless Over-The-Ear Multi Gaming Headset for Xbox PC PS5 Switch Handheld - Magneta

Steel Series
Original price $223.99 - Original price $223.99
Original price
$223.99
$223.99 - $223.99
Current price $223.99

REAL-TIME GAME AUDIO CONTROLPinpoint enemies with what GamingTrend calls “the biggest cheat code in the industry. 200+ game specific audio presets ...

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Original price $223.99 - Original price $223.99
Original price
$223.99
$223.99 - $223.99
Current price $223.99

PowerA Wireless Controller for Nintendo Switch - Mario Joy - Mario Joy

PowerA
Original price $69.99 - Original price $69.99
Original price
$69.99
$69.99 - $69.99
Current price $69.99

Expanded portsWireless Freedom Play wirelessly on Nintendo Switch OLED Model Nintendo Switch and Nintendo Switch LiteMotion controlsMotion Contro...

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Original price $69.99 - Original price $69.99
Original price
$69.99
$69.99 - $69.99
Current price $69.99

PowerA - Advantage Wireless Controller for Nintendo Switch 2 - Mario and Friends

PowerA
Original price $91.99 - Original price $91.99
Original price
$91.99
$91.99 - $91.99
Current price $91.99

Hall Effect Modules Contact-free magnetic sensors in the thumbsticks provide a more fluid pro-level feel and help with precision and longevity.Hall...

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Original price $91.99 - Original price $91.99
Original price
$91.99
$91.99 - $91.99
Current price $91.99

ASUS - ProArt PZ13 13" OLED 3K Detachable Laptop - Copilot+ PC - Qualcomm Snapdragon X Plus - 16GB Memory - 1TB SSD - Nano Black

ASUS
Original price $1,301.99 - Original price $1,301.99
Original price
$1,301.99
$1,301.99 - $1,301.99
Current price $1,301.99

Intuitive Windows 11 Operating SystemPersonalize features faster performance and enhanced security. Windows 11 empowers productivity and creativity...

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Original price $1,301.99 - Original price $1,301.99
Original price
$1,301.99
$1,301.99 - $1,301.99
Current price $1,301.99

PowerA - Enhanced Wireless Controller for Nintendo Switch - Color Splash Heroes

PowerA
Original price $90.99 - Original price $90.99
Original price
$90.99
$90.99 - $90.99
Current price $90.99

Works with Nintendo Switch 2. C button not available.Wireless controller with Bluetooth 5.0 technologyRechargeable lithium-ion battery Up to 30 hou...

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Original price $90.99 - Original price $90.99
Original price
$90.99
$90.99 - $90.99
Current price $90.99

Razer - Kraken V4 X Wired Over-the-Ear Gaming Headset for PC Mac Playstation Nintendo Switch Steam Deck Mobile and Tablet - Black

Razer
Original price $89.99 - Original price $89.99
Original price
$89.99
$89.99 - $89.99
Current price $89.99

Razer TriForce 40 mm Drivers for powerful lifelike audioOur patented 3-part driver design pushes out exceptional highs mids and lows that doesn’t m...

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Original price $89.99 - Original price $89.99
Original price
$89.99
$89.99 - $89.99
Current price $89.99

Razer - Kraken V4 Wireless Over-the-Ear Gaming Headset for PC Mac Playstation Nintendo Switch Steam Deck Mobile and Tablet - Black

Razer
Original price $177.99 - Original price $177.99
Original price
$177.99
$177.99 - $177.99
Current price $177.99

3 Modes of Connectivity Razer HyperSpeed Wireless Bluetooth USBFrom your PC to console to phone enjoy full audio immersion no matter the scenario...

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Original price $177.99 - Original price $177.99
Original price
$177.99
$177.99 - $177.99
Current price $177.99

Collective Minds - Cronus Zen Controller Emulator for Xbox One Xbox Series SX PlayStation 4 PlayStation 5 Nintendo Switch 1 2 PC - Black

Collective Minds
Original price $139.99 - Original price $139.99
Original price
$139.99
$139.99 - $139.99
Current price $139.99

Powerful Cronus TechnologyZen moves that legacy forward with a next-generation state-of-the-art design giving gamers the most powerful device emula...

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Original price $139.99 - Original price $139.99
Original price
$139.99
$139.99 - $139.99
Current price $139.99

ASUS - ZenWiFi BE30000 Quad-Band Mesh Wi-Fi 7 System (3-Pack) - White

ASUS
Original price $1,463.99 - Original price $1,463.99
Original price
$1,463.99
$1,463.99 - $1,463.99
Current price $1,463.99

Wireless TechnologyQuad-band AiMesh unlocks Wi-Fi 7 potential in all bands plus AI-enhanced dedicated 6 GHz backhaul helps to ensure congestion-fre...

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Original price $1,463.99 - Original price $1,463.99
Original price
$1,463.99
$1,463.99 - $1,463.99
Current price $1,463.99

Turtle Beach - Stealth 600 Wireless Over-Ear Multiplatform Gaming Headset for PS5 PS4 PC Mobile - Black

Turtle Beach
Original price $135.99 - Original price $135.99
Original price
$135.99
$135.99 - $135.99
Current price $135.99

Multiplatform Wireless + BluetoothExperience low-latency multiplatform freedom with 2.4GHz wireless and Bluetooth 5.2 on PlayStation PC or Steam De...

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Original price $135.99 - Original price $135.99
Original price
$135.99
$135.99 - $135.99
Current price $135.99

Alienware - Pro Wireless Optical Gaming Ambidextrous Mouse - Wired - Lunar Light

Alienware
Original price $125.99 - Original price $125.99
Original price
$125.99
$125.99 - $125.99
Current price $125.99

Near Instant Response TimesGet the advantage when microseconds are the difference between winning and losing. Pinpoint precision with high polling ...

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Original price $125.99 - Original price $125.99
Original price
$125.99
$125.99 - $125.99
Current price $125.99

Alienware - Pro 75 Wireless Mechanical Gaming Keyboard with RGB Back Lighting - Lunar Light

Alienware
Original price $236.99 - Original price $236.99
Original price
$236.99
$236.99 - $236.99
Current price $236.99

Professional Approved Form FactorCompact 75 form factor giving more room for long mouse swipes easy to adjust during long sessions and with all ess...

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Original price $236.99 - Original price $236.99
Original price
$236.99
$236.99 - $236.99
Current price $236.99

Turtle Beach - Stealth 500 Wireless Over-Ear Gaming Headset for PS5 PS4 PC Mobile - Black

Turtle Beach
Original price $93.99 - Original price $93.99
Original price
$93.99
$93.99 - $93.99
Current price $93.99

Step up to Wireless FreedomPlay your favorite games on PS5 PS4 PC mobile devices with low-latency 2.4GHz wireless and Bluetooth 5.2 connectivity....

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Original price $93.99 - Original price $93.99
Original price
$93.99
$93.99 - $93.99
Current price $93.99

Disney - Lorcana Card Sleeve (Tiana)

Lorcana
Original price $23.99 - Original price $23.99
Original price
$23.99
$23.99 - $23.99
Current price $23.99

Play in StyleElevate your gaming experience with these stunning card sleeves.Ultimate Card ProtectionKeep your cards in pristine condition during i...

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Original price $23.99 - Original price $23.99
Original price
$23.99
$23.99 - $23.99
Current price $23.99

The Smurfs - Dreams - Nintendo Switch

Microids
Original price $71.99 - Original price $71.99
Original price
$71.99
$71.99 - $71.99
Current price $71.99

Solo or with a friendPrevent Gargamel's evil plans from succeeding alone or with a friend for a smurffabulous 2 player experience.Embark on an adve...

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Original price $71.99 - Original price $71.99
Original price
$71.99
$71.99 - $71.99
Current price $71.99

PowerA - Advantage Wired Controller for Nintendo Switch 2 - Mario Time

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

Hall Effect Modules Contact-free magnetic sensors in the thumbsticks provide a more fluid pro-level feel to help with precision and longevityAdvanc...

View full details
Original price $58.99 - Original price $58.99
Original price
$58.99
$58.99 - $58.99
Current price $58.99

HP - 27" Full HD Touch-Screen All-in-One with Adjustable Height - Intel Core Ultra 5 - 8GB DDR5 Memory - 512GB SSD - Shell White

HP
Original price $964.99 - Original price $964.99
Original price
$964.99
$964.99 - $964.99
Current price $964.99

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 $964.99 - Original price $964.99
Original price
$964.99
$964.99 - $964.99
Current price $964.99

LEGO - Super Mario Mario Kart - Bowser's Castle 72039

Lego
Original price $125.99 - Original price $125.99
Original price
$125.99
$125.99 - $125.99
Current price $125.99

Get ready to race through Bowser's Castle The LEGO Super Mario Mario Kart - Bowser's Castle (72039) building set brings one of the most iconic Mari...

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Original price $125.99 - Original price $125.99
Original price
$125.99
$125.99 - $125.99
Current price $125.99

TCL - 75" Class QM8K Series 4K UHD HDR QD-Mini LED Smart TV with Google TV (2025)

TCL
Original price $1,814.99 - Original price $1,814.99
Original price
$1,814.99
$1,814.99 - $1,814.99
Current price $1,814.99

QD-Mini LEDThis premium level Mini LED TV now with the New TCL Halo Control System ensures a stunning viewing experience.TCL Halo Control SystemAn ...

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Original price $1,814.99 - Original price $1,814.99
Original price
$1,814.99
$1,814.99 - $1,814.99
Current price $1,814.99

HP OMEN - Transcend 14" 120Hz 3K OLED Gaming Laptop - Intel Core Ultra 9-285H - 32GB Memory - NVIDIA GeForce RTX 5070 - 1TB SSD - Shadow Black

HP
Original price $2,889.99 - Original price $2,889.99
Original price
$2,889.99
$2,889.99 - $2,889.99
Current price $2,889.99

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...

View full details
Original price $2,889.99 - Original price $2,889.99
Original price
$2,889.99
$2,889.99 - $2,889.99
Current price $2,889.99

Samsung - 32" M80F 4K UHD Smart Monitor with SamsungVision AI Built In Speakers USB-C Ergonomic Stand and SlimFit Camera - Warm White

Samsung
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

Smart TV AppsStream content directly from your monitor or tune into Samsung TV Plus to get live TV channels and on-demand content.4K AI UpscalingUn...

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Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

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.