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Order by December 12 for best chance of Christmas delivery!

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 $1,802.99 - Original price $1,802.99
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MSI - Vector 16 HX AI 16" 144Hz FHD+ Gaming Laptop - Intel Ultra 7-255HX - GeForce RTX 5070Ti - 16GB Memory - 1TBSSD - Cosmo Gray

MSI

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 $1,802.99 - Original price $1,802.99
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Original price $2,906.99 - Original price $2,906.99
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ASUS - ROG Zephyrus G16 16" OLED 2.5K 240Hz Gaming Laptop - Intel Core Ultra 9 - 32GB RAM - NVIDIA RTX 5070 Ti 12GB - 1TB SSD - Eclipse Gray

ASUS

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 $2,906.99 - Original price $2,906.99
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Original price $1,699.99 - Original price $1,699.99
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ASUS - TUF Gaming F16 16" FHD+ 165Hz Gaming Laptop - Intel Core i7-14650HX - 32GB RAM - NVIDIA GeForce RTX 5060 - 1TB SSD - Jaeger 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 $1,699.99 - Original price $1,699.99
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Original price $1,489.99 - Original price $1,489.99
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ASUS - ROG Zephyrus G14 14" OLED 3K 120Hz Gaming Laptop - AMD Ryzen 9 270 - 16GB LPDDR5X - GeForce RTX 5060 - 1TB SSD - Platinum White

ASUS

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 $1,489.99 - Original price $1,489.99
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Original price $689.99 - Original price $689.99
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LG - UltraGear 27" IPS Dual Mode (4K UHD 240Hz or FHD 480Hz) 1ms G-Sync Gaming Monitor with DisplayHDR 600 (DisplayPort 2.1) - Black

LG

Next-Level Gaming With 4K UHD Nano IPS BlackUnleash next-gen gaming with the UltraGear's first Nano IPS Black monitor. Play in razor-sharp 4K UHD ...

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Original price $1,532.99 - Original price $1,532.99
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LG - UltraGear 32" OLED Dual Mode (4K UHD 240Hz FHD 480Hz) 0.03ms G-SYNC Compatible AMD FreeSync Premium Pro Gaming Monitor - Black

LG

Dual Mode 4K UHD 240Hz or Full HD 480HzLG UltraGear OLED is a VESA Certified Dual Mode gaming monitor. This innovation allows gamers to experience ...

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PowerA - Advantage Plus Wired Controller for Xbox Series XS - Night Blossom

Power A

Quick-Twist Thumbsticks Easily adjust the height for each thumbstick in the middle of a game with a simple twist no need to swap out parts. 3 Heig...

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Original price $3,439.99 - Original price $3,439.99
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Alienware - Aurora Gaming Desktop - Intel Core Ultra 9 285K 2024 - 32GB Memory - NVIDIA GeForce RTX 5080 16GB - 2TB Storage - Black

Alienware

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 $3,439.99 - Original price $3,439.99
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Original price $139.99 - Original price $139.99
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SCUF - ENVISION v2 Wired Gaming Controller for PC with Anti-Drift Thumbsticks - Black

SCUF

Four Rear Remappable PaddlesKeeps your thumbs on the sticks for faster reactions.Five Fully Remappable G-KeysFor advanced macros and Corsair iCUE i...

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Original price $210.99 - Original price $210.99
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Dell - S2725H 27" IPS LED FHD 100Hz Monitor (HDMI) - Ash White

Dell

Re-engineered sound qualityEnjoy more detailed sound with spacious audio featuring greater output power deeper frequency response and more decibel ...

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Original price $3,521.99 - Original price $3,521.99
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HP OMEN - MAX 16" OLED 240Hz Gaming Laptop - Intel Core Ultra 9 - 32GB DDR5 Memory - NVIDIA GeForce RTX 5080 - 2TB SSD - Shadow Black

HP

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

Samsung

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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ASUS- ExpertBook CX54 14" Chromebook Laptop with Intel Core Ultra 5-16GB Memory-256GB SSD

ASUS

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 $883.99 - Original price $883.99
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ASUS - CX14 14" FHD Chromebook Laptop - Intel Celeron - 4GB Memory - 64GB eMMC - Misty Grey

ASUS

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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TCL - 85" Class QM6K 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 $1,340.99 - Original price $1,340.99
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CyberPowerPC - Gaming Desktop - AMD Ryzen 7 8700F - AMD Radeon RX 7600 8GB - 16GB DDR5 - 1TB PCIe 4.0 SSD - White

CyberPowerPC

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

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Original price $1,113.99 - Original price $1,113.99
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Original price $2,319.99 - Original price $2,319.99
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MSI - Vector 16 HX AI 400 16" 240Hz QHD+ Gaming Laptop - Intel Ultra 9-275HX - GeForce RTX 5080 - 16GB Memory - 1TBSSD - Cosmo Gray

MSI

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 $2,319.99 - Original price $2,319.99
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Samsung - 37" ViewFinity S8 S80UD LED 4K UHD High Resolution Monitor with HDR10 USB-C and Ergonomic Stand - Black

Samsung

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

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LG - 27" IPS UHD 60Hz 5ms Smart Monitor with HDR10 (HDMI USB-C) - White

LG

Seamless Flexibility for Work and PlayExperience powerful flexibility with the LG Smart Monitor with webOS. A 27" 4K UHD screen LG Smart Monitor re...

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Original price $434.99 - Original price $434.99
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TCL - 65" 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...

View full details
Original price $1,205.99 - Original price $1,205.99
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Original price $590.99 - Original price $590.99
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ASUS - CX34 14" FHD Chromebook Plus Laptop with Google AI - Intel Core i5 - 8GB Memory - 128GB SSD - Rock Grey

ASUS

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 $590.99 - Original price $590.99
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Dell - S2425H 24" IPS LED FHD 100Hz Monitor (HDMI) - Ash White

Dell

Made to be seen. And heard.With clear FHD resolution high 100Hz refresh rate integrated dual 5W speakers and subtle texture on the back inspired by...

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Original price $154.99 - Original price $154.99
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Lenovo - IdeaPad Slim 3 Chromebook 14" Full HD Laptop - MediaTek Kompanio 520 2022 - 4GB Memory - 64GB eMMC - Abyss Blue

Lenovo

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 $310.99 - Original price $310.99
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TP-Link - BE3600 Wi-Fi 7 Range Extender - White

TP Link

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 $180.99 - Original price $180.99
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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.