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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 $239.99 - Original price $239.99
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Alienware - AW2725DM 27" IPS LED QHD 180Hz 1ms FreeSync and G-Sync Gaming Monitor with HDR (HDMI DisplayPort) - Black

Dell

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 $239.99 - Original price $239.99
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Original price $232.99 - Original price $232.99
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Razer - Blackwidow V4 75 Wired Mechanical Orange Switch Gaming Keyboard with Hot-Swappable Design - Phantom White

Razer

Hot-swappable DesignCompatible with 3 or 5-pin switches the keyboard’s socketed PCB allows you to easily swap out its pre-loaded switches for custo...

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Original price $232.99 - Original price $232.99
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Original price $899.99 - Original price $899.99
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Alienware - AW3425DW 34" TFT QD-OLED Curved WQHD 240Hz 0.03ms FreeSync Gaming Monitor with HDR (HDMI DisplayPort) - Interstellar Indigo

Dell

Ultrawide immersion for elite gameplayOur expansive 34" QD-OLED monitor delivers seamless speed and super smooth motion with intuitive function and...

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Original price $44.99 - Original price $44.99
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Insignia - 6 ft. 16K DisplayPort Cable - Black

Insignia

Transfers high-quality audio and videoA single cable is all that’s needed to connect a DisplayPort source to your display.Wide-ranging compatibilit...

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Original price $44.99 - Original price $44.99
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Original price $507.99 - Original price $507.99
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ASUS - V500SV Slim Desktop - Intel Core i3-1315U - 8GB Memory - 512GB SSD - Dark Gray

ASUS

Windows 11 Home Ready Day OneFamiliar secure and ready for work or schoolEveryday Speed That Stays SmoothIntel Core i3-1315U (6 cores/8 threads up ...

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Original price $507.99 - Original price $507.99
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Original price $948.99 - Original price $948.99
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Lenovo - IdeaCentre Tower Desktop - Copilot+ PC - AMD Ryzen AI 7 350 - 32GB Memory - 1TB - Luna Grey

Lenovo

Copilot+ PCs. A new AI era begins.New AI superpowers. Discover the power of Recall (preview) improved Windows search and Click to Do (preview) on C...

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Original price $63.99 - Original price $63.99
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Insignia - HDMI 3-Port Switch with 4K HDR Inputs - Black

Insignia

3 HDMI inputs with remote includedConnect up to three streaming sticks gaming devices Blu-ray players or other HDMI devices to a single port on you...

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

NEXT

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 $68.99 - Original price $68.99
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Original price $91.99 - Original price $91.99
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PowerA - Advantage Wireless Controller for Nintendo Switch 2 - Kirby Puff

PowerA

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
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Rocketfish - 2-Output Ultra HD HDMI Splitter - Black

Rocketfish

8K at 60Hz with HDR10 and Dolby Vision HDR compatibilitySavor superior detailed image quality with authentic and realistic visuals while streaming ...

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

Lenovo

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
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SteelSeries - Arctis Nova Elite Wireless Multi Gaming Headset for PCPS5 Xbox one and Series S/X Switch Switch 2 - Black

Steel Series

World’s First Hi-Res Certified Wireless Gaming HeadsetArctis Nova Elite delivers breakthrough performance with 96kHz/24bit audio over 2.4GHz or Blu...

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Original price $654.99 - Original price $654.99
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SteelSeries - Arctis Nova 7X Gen 2 Wireless Over-The-Ear Multi Gaming Headset for Xbox PC PS5 Switch Handheld - Magneta

Steel Series

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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ZAGG - InvisibleShield Glass+ Defense Screen Protector for Asus ROG Xbox Ally/Ally X

ZAGG

3X StrongerGlass+ Defense is 3x stronger than basic glass screen protection.Scratch PreventionA precision surface finishing process provides maximu...

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TCL - 32" G64 Series QHD HDR QD-Mini LED Gaming Monitor - Black and Gray

TCL

32 Gaming Monitor with QHD (2560x1440) ResolutionCrisp and clear visuals with lifelike detail on a large 32¿ screen—perfect for gaming streaming or...

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Original price $512.99 - Original price $512.99
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TCL - 27" G64 Series QHD HDR QD-Mini LED Gaming Monitor - Black and Gray

TCL

27 Gaming Monitor with QHD (2560x1440) ResolutionCrisp and clear visuals with lifelike detail on a spacious 27¿ screen—perfect for gaming streaming...

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Original price $457.99 - Original price $457.99
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TCL - 27" R94 Series 4K UHD HDR QD-Mini LED Gaming Monitor - Black and White

TCL

27 Gaming Monitor with 4K UHD (3840x2160) ResolutionCrisp and clear visuals with lifelike detail on a spacious 27¿ screen—perfect for gaming stream...

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Original price $888.99 - Original price $888.99
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Original price $562.99 - Original price $562.99
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ASUS - V500SV Slim Desktop - Intel Core i5-13420H - 8GB Memory - 512GB SSD - Dark Gray

ASUS

Windows 11 Home Ready Day OneFamiliar secure and ready for work or schoolEveryday Speed That Stays SmoothIntel Core i5-13420H (8 cores/12 threads u...

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Original price $562.99 - Original price $562.99
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Original price $46.99 - Original price $46.99
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NEXT - Wireless Rechargeable Pro Controller for Switch 2 Switch - Ember

NEXT

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 $46.99 - Original price $46.99
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RIG - R5 SPEAR PRO HS Wired Over-The -Ear Gaming Headset for Playstation 4 Playstation 5 - Black

RIG

Officially licensed for PlaystationLicensed for PlayStation5 and PlayStation4 consoles.Built differentThe R5 PRO HS is built for competitive gaming...

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Original price $92.99 - Original price $92.99
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Original price $91.99 - Original price $91.99
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PowerA - Advantage Wireless Controller for Nintendo Switch 2 - Pokmon Mega Evolutions

PowerA

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
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$91.99
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Current price $91.99
Original price $63.99 - Original price $63.99
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$63.99
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Current price $63.99

Insignia - HDMI 2-Output Splitter with HDR Pass-Through - Black

Insignia

Gain 2 HDMI outputs with one connectionConnect your laptop gaming device or streaming stick to view on two displays simultaneously.Supports 4K reso...

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Original price $63.99 - Original price $63.99
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Original price $876.99 - Original price $876.99
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LG - UltraGear 27" OLED QHD 280Hz 0.03ms G-Sync and FreeSync Premium Pro Gaming Monitor with HDR500 (HDMI x2 DP USB-A) - Black

LG

LG's Brightest OLED Gaming MonitorExperience ultra-smooth tear-free gameplay with up to 280Hz refresh rate178; and 0.03ms response time on a bright...

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Original price $876.99 - Original price $876.99
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Original price $750.99 - Original price $750.99
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Lenovo - LOQ 15.6" Full HD Gaming Laptop - AMD Ryzen 5 7235HS - 16GB Memory - NVIDIA GeForce RTX 4050 - 512GB SSD - Luna Grey

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 $750.99 - Original price $750.99
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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.