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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 $2,261.99 - Original price $2,261.99
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Lenovo - Legion Pro 5i 16" (WQXGA) Gaming Laptop - Intel Core Ultra 9 275HX - 32GB Memory - NVIDIA GeForce RTX 5070 - 1TB SSD - Eclipse Black

Lenovo

Windows 11 operating systemWindows 11 brings back the Start Menu from Windows 7 and introduces new features like the Edge Web browser that lets you...

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Original price $2,261.99 - Original price $2,261.99
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Original price $90.99 - Original price $90.99
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PowerA Enhanced Wireless Controller for Nintendo Switch - Pikachu vs. Gengar - Pikachu vs. Gengar

Power A

Wireless controller with Bluetooth 5.0 technologyRechargeable lithium-ion battery Up to 30 hours per chargeTwo mappable Advanced Gaming ButtonsEmbe...

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Original price $90.99 - Original price $90.99
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Original price $2,694.99 - Original price $2,694.99
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CyberPowerPC - Gaming Desktop - Intel Core Ultra 9 285K - NVIDIA GeForce RTX 5070 Ti 16GB - 64GB 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 $79.99 - Original price $79.99
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Razer - Cobra Lightweight Optical Gaming Mouse with Chroma RGB Lighting - Wired - Minecraft Edition

Razer

Creepin it RealTruly live the block life with Razer’s officially licensed gaming mouse for Minecraft58g Lightweight DesignWith a lightweight design...

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Original price $79.99 - Original price $79.99
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Original price $91.99 - Original price $91.99
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PowerA - Advantage Wireless Controller for Nintendo Switch 2 - Black

PowerA

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

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Original price $91.99 - Original price $91.99
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Original price $3,297.99 - Original price $3,297.99
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Lenovo - Legion Pro 7i 16" 2.5K OLED Gaming Laptop - Intel Core Ultra 9 275HX 2025 - 32GB RAM - NVIDIA GeForce RTX 5080 - 1TB - Eclipse Black

Lenovo

Windows 11 operating systemWindows 11 brings back the Start Menu from Windows 7 and introduces new features like the Edge Web browser that lets you...

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Original price $31.99 - Original price $31.99
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LEGO - Super Mario Captain Toad’s Camp Kids Toy 72040

Lego

Explore the great outdoorsYoung gaming fans ages 6 years old and up can build the Captain Toad's Camp (72040) building set featuring a tent with bo...

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Original price $114.99 - Original price $114.99
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NETGEAR - Nighthawk AX1800 Dual-Band Wi-Fi Router - Black

NETGEAR

AX1800 Dual-band Wi-Fi routerFast AX1800 Gigabit speed with WiFi 6 technology for uninterrupted streaming HD video gaming and web conferencing. Bac...

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Original price $114.99 - Original price $114.99
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NETGEAR - Nighthawk BE3600 Dual-Band Wi-Fi 7 Router - Black

NETGEAR

BE3600 dual-band Wi-Fi routerFast Wi-Fi 7 speeds up to 3.6 Gbps for gaming smooth streaming video conferencing and entertainment.Wi-Fi 7 1.2 times ...

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Original price $181.99 - Original price $181.99
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Original price $938.99 - Original price $938.99
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HP - OmniBook X Flip 2-in-1 - Copilot+ PC - 14" 2K Touch-Screen Laptop - Intel Core Ultra 5 - 16GB Memory - 512GB SSD - Atmospheric Blue

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 $938.99 - Original price $938.99
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NETGEAR - Nighthawk A8500 Wi-Fi 7 USB 3.0 Adapter - Black

NETGEAR

Compatible with Windows 11 and aboveRequires PC with Windows 11 and above (WiFi 7 features 6GHz require Windows 11). Not compatible with Windows 1...

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LG - UltraGear 37" VA 165Hz 1ms Monitor FreeSync Premium Pro Gaming Monitor with DisplayHDR 600 (HDMI DP USB-C) - Silver

LG

37 4K Gaming—Speed Meets ClarityUltraGear's 37-inch 4K UHD curved gaming monitor delivers stunning native resolution with incredible clarity. With ...

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

Razer

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 $254.99 - Original price $254.99
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Razer - Huntsman V3 Pro 8KHz Full Size Wired Analog Optical Linear Switch Gaming Keyboard with Snap Tap - Black

Razer

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
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Original price $499.99 - Original price $499.99
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huupe - Smart Mini Basketball Hoop Game Console

huupe

Advanced shot trackingImprove your game with real-time data on your shots including accuracy and distance.A full smart TV.Stream your favorite apps...

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JBL - BAR300MK2 5.0 Soundbar with Dolby Atmos - Black

JBL

450W max output power and punchy bass without a separate subwooferGet a truly immersive sound experience from your music movies and games with 450 ...

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Original price $387.99 - Original price $387.99
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Acer - PM161W 16.0" WUXGA 60Hz FreeSync Compatible IPS Portable Monitor (2 x USB 3.1 Type-C Mini HDMI Audio Out) - Black

Acer

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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HP - OmniBook X Flip 2-in-1

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 $723.99 - Original price $723.99
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ASUS - ProArt P16 16" 3K 120Hz OLED Touch Screen Laptop - Copilot+ PC - AMD Ryzen AI 9 HX 370 - 32GB RAM - RTX 5070 - 2TB SSD - Nano Black

ASUS

Copilot+ PCs. A New AI Era BeginsNew AI superpowers. Discover the power of Recall (preview) improved Windows search and Click to Do (preview) on Co...

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Original price $189.99 - Original price $189.99
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BLU - G75 256GB (Unlocked) - Black

Blu

Carrier compatibilityATT T-Mobile Metro by T-Mobile Cricket Mint MobileDisplay6.88 inches HD+ Infinity 120Hz Resolution 720 x 1640 pixelsProcessorM...

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Original price $189.99 - Original price $189.99
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Original price $555.99 - Original price $555.99
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VITURE - Luma Pro XR Glasses - 152 inches 1200p Ultra Sharp Display 1000 Nits 52 degrees FOV Myopia Adjustments - Regular - Black

Viture

A 1200p ultra sharp displayStep into a jaw-dropping 152 inches virtual screen with revolutionary 1200P resolution that feels like 4K. Text is razor...

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Original price $555.99 - Original price $555.99
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Original price $700.99 - Original price $700.99
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Lenovo - Yoga 7 2-in-1 16" 2K Touchscreen Laptop - AMD Ryzen 7 8840HS 2023 - 16GB Memory - 512GB SSD - Artic Grey

Lenovo

Windows 11 Home operating systemWindows 11 brings back the Start Menu from Windows 7 and introduces new features like the Edge Web browser that let...

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Original price $700.99 - Original price $700.99
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Original price $122.99 - Original price $122.99
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NZXT - Kraken Core RGB 240mm Radiator Liquid Cooler (1 x 240mm Single-Frame Fan) with RGB Pump Cap - Black

NZXT

COOL AND QUIETA powerful 3100 RPM pump keeps your CPU cool during heavy gaming and multitasking while minimizing noise.SIMPLE CONNECTIVITYConnects ...

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Original price $122.99 - Original price $122.99
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Original price $42.99 - Original price $42.99
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Insignia - 6 ft. 8K HDMI Cable - Black

Insignia

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
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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.