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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.

Original price $1,146.99 - Original price $1,146.99
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HP - OmniBook X Flip 2-in-1 - Copilot+ PC - 16" 2K Touch-Screen Laptop - Intel Core Ultra 7 - 32GB Memory - 2TB 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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Original price $1,146.99 - Original price $1,146.99
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Original price $602.99 - Original price $602.99
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HP - 23.8" Full HD Touch-Screen All-in-One - Intel Core i3 - 8GB Memory - 512GB SSD - Shell White

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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Original price $602.99 - Original price $602.99
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Original price $383.99 - Original price $383.99
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Dell - S2725QC 27" IPS LED 4K UHD 120Hz FreeSync Premium Monitor (USB-C HDMI) - Ash White

Dell

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 $383.99 - Original price $383.99
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Original price $818.99 - Original price $818.99
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HP - OmniBook X Flip 2-in-1 16" 2K Touch-Screen Laptop - AMD Ryzen 5 - 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...

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Original price $818.99 - Original price $818.99
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Original price $2,642.99 - Original price $2,642.99
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ASUS - ROG Flow Z13 13.4" 2.5K 180Hz Touch-Screen Gaming Laptop - Copilot+ PC - AMD Ryzen AI Max+ 395 - 64GB RAM - 1TB SSD - Off Black

ASUS

Game and create with Windows 11 HomeGame create and boost your productivity — Windows 11 Home is the place for it all. With advanced features power...

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Original price $265.99 - Original price $265.99
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ViewSonic - VX3218C-2K 32" LCD QHD FreeSync Premium Gaming Monitor (HDMI and DisplayPort) - Black

ViewSonic

Immersive experienceCompletely immerse yourself with the 32" curved panel which is designed for comfort productivity and styleAdvanced gaming exper...

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Original price $265.99 - Original price $265.99
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Original price $2,091.99 - Original price $2,091.99
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iBUYPOWER - iBUYPOWER- Element 9 Pro Black Gaming Desktop PC- Intel Ultra 7 265KF NVIDIA GeForce RTX 5070 12GB 32GB RAM 2TB SSD - Black

iBuyPower

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 $2,112.99 - Original price $2,112.99
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Acer - Nitro 60 Gaming Desktop - Intel Core i7-14700F - 32GB DDR5 Memory - NVIDIA GeForce RTX 5070 - 1TB SSD - Black

Acer

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 $2,112.99 - Original price $2,112.99
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Original price $2,222.99 - Original price $2,222.99
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Acer - Nitro 60 Gaming Desktop - AMD Ryzen 9 7900 - 32GB DDR5 Memory - NVIDIA GeForce RTX 5070 - 1 TB SSD - Black

Acer

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 $2,222.99 - Original price $2,222.99
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Original price $2,553.99 - Original price $2,553.99
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Acer - Nitro 60 Gaming Desktop - Intel Core i7-14700F - 32GB DDR5 Memory - NVIDIA GeForce RTX 5070 Ti - 2TB SSD - Black

Acer

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 $2,553.99 - Original price $2,553.99
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Original price $249.99 - Original price $249.99
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$249.99
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HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Willow Green

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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Original price $249.99 - Original price $249.99
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Original price $1,422.99 - Original price $1,422.99
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ASUS - Zenbook S 14 14" 3K OLED Touch Screen Laptop - Copilot+ PC - Intel Core Ultra 7 - 32GB RAM - 1TB SSD - Zumaia Gray

ASUS

Copilot+ PCs. A new AI era beginsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you n...

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Original price $1,422.99 - Original price $1,422.99
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Original price $1,183.99 - Original price $1,183.99
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HP - OmniBook X Flip 2-in-1 - Copilot+ PC - 16" 2K Touch-Screen Laptop - AMD Ryzen AI 7 - 24GB Memory - 1TB 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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Original price $1,183.99 - Original price $1,183.99
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Original price $1,792.99 - Original price $1,792.99
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CyberPowerPC - Gaming Desktop - Intel Core i9-14900F - NVIDIA GeForce RTX 5070 12GB - 32GB DDR5 - 1TB PCIe 4.0 SSD - Black

CyberPowerPC

Get a fresh perspective with Windows 11 HomeFrom a rejuvenated Start menu to more ways to connect to your favorite people news games and content Wi...

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Original price $1,792.99 - Original price $1,792.99
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Original price $2,102.99 - Original price $2,102.99
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CyberPowerPC - Gaming Desktop - AMD Ryzen 7 7800X3D - AMD Radeon RX 9070 XT 16GB - 32GB DDR5 - 2TB PCIe 4.0 SSD - Black

CyberPowerPC

Get a fresh perspective with Windows 11 HomeFrom a rejuvenated Start menu to more ways to connect to your favorite people news games and content Wi...

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Original price $2,102.99 - Original price $2,102.99
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Original price $158.99 - Original price $158.99
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TP-Link - Archer BE5000 Dual-Band Wi-Fi 7 Router - Black

TP Link

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 $158.99 - Original price $158.99
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Original price $77.99 - Original price $77.99
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Elden Ring Nightreign Deluxe Edition - Xbox Series X

BANDAI NAMCO Entertainment

Rise togetherJoin forces with other players to take on the creeping night and the dangers within featuring 3-player co-op.Become a heroTake command...

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Original price $77.99 - Original price $77.99
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Original price $69.99 - Original price $69.99
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Elden Ring Nightreign Deluxe Edition - PlayStation 5

BANDAI NAMCO Entertainment

Rise togetherJoin forces with other players to take on the creeping night and the dangers within featuring 3-player co-op.Become a heroTake command...

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Original price $69.99 - Original price $69.99
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Original price $182.99 - Original price $182.99
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Razer - BlackWidow V4 X Full Size Wired Mechanical Green Clicky Switch Gaming Keyboard with Chroma RGB Backlighting - Minecraft Edition

Razer

Creepin' it RealTruly live the block life with Razer’s officially licensed gaming keyboard for Minecraft.Razer Green Mechanical SwitchesWith a 1.9m...

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Original price $182.99 - Original price $182.99
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Original price $1,867.99 - Original price $1,867.99
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ASUS - TUF Gaming A16 16" FHD+ 165Hz Gaming Laptop - AMD Ryzen 9 - 32GB RAM - NVIDIA GeForce RTX 5070 - 1TB SSD - Jaegar Gray

ASUS

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 $1,867.99 - Original price $1,867.99
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Original price $2,072.99 - Original price $2,072.99
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Skytech Gaming - KING95 Gaming Desktop PC - AMD Ryzen 7 9700X - 32GB Memory - NVIDIA RTX Geforce 5070 - 2TB NVMe SSD - White

Skytech Gaming

Windows 11 Home 64-bitWindows 11 Home 64-bit has all the power and security of Windows 10 with a redesigned and refreshed look. It also comes with ...

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Original price $2,072.99 - Original price $2,072.99
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Original price $25.99 - Original price $25.99
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Best Buy essentials - 12' 2-Slot Non-Polarized Power Cord - Black

Best Buy essentials

Compatible with select devicesWorks with select computers monitors external power bricks gaming consoles and other electronics that require a C7 co...

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Original price $25.99 - Original price $25.99
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Original price $300.99 - Original price $300.99
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AOC - 27" Q27G40XMN Mini-LED QHD 180hz Gaming Monitor - Black

AOC

Mini-LED panel technologyExperience clarity vibrant colors and richer contrast with Mini-LED technology.Quad HD ResolutionExperience stunning clari...

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Original price $300.99 - Original price $300.99
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Original price $942.99 - Original price $942.99
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TCL - 55" Class QM7K Series 4K UHD HDR QD Mini LED Smart TV with Google TV (2025)

TCL

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 $942.99 - Original price $942.99
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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.