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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.

SteelSeries - Arctis Nova 3 Wireless Over-the-Ear Gaming Headset with 2.4Ghz/Bluetooth for PC PS5/PS4 and Switch - Black

Steel Series
Original price $128.99 - Original price $128.99
Original price
$128.99
$128.99 - $128.99
Current price $128.99

Presets for COD Fortnite and moreControl your audio using the mobile app to hear footsteps better in game; unlock total audio control with 200+ gam...

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Original price $128.99 - Original price $128.99
Original price
$128.99
$128.99 - $128.99
Current price $128.99

HP - OmniDesk Desktop - AMD Ryzen 7 - 16GB DDR5 Memory - NVIDIA GeForce RTX 3050 - 1TB SSD - Gray Wood

HP
Original price $1,070.99 - Original price $1,070.99
Original price
$1,070.99
$1,070.99 - $1,070.99
Current price $1,070.99

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 $1,070.99 - Original price $1,070.99
Original price
$1,070.99
$1,070.99 - $1,070.99
Current price $1,070.99

Turtle Beach - Afterglow Wireless RGB Gaming Controller for Nintendo Switch 2 Nintendo Switch Switch Lite OLED Model - Clear

Turtle Beach
Original price $86.99 - Original price $86.99
Original price
$86.99
$86.99 - $86.99
Current price $86.99

Custom RGB LightingGlow up your setup with adjustable 4 preset lighting modes enhanced by a clear shell that reveals the inner circuitry. Adjust br...

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Original price $86.99 - Original price $86.99
Original price
$86.99
$86.99 - $86.99
Current price $86.99

Samsung - 27" S3 (S36GD) LED FHD 100Hz Curved Monitor (HDMI D-sub) - Black

Samsung
Original price $218.99 - Original price $218.99
Original price
$218.99
$218.99 - $218.99
Current price $218.99

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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Original price $218.99 - Original price $218.99
Original price
$218.99
$218.99 - $218.99
Current price $218.99

Legion Go S 8" 120Hz Gaming Handheld - AMD Ryzen Z1 Extreme - WindowsOS - 32GB with 1TB SSD - Windows

Lenovo
Original price $1,946.99 - Original price $1,946.99
Original price
$1,946.99
$1,946.99 - $1,946.99
Current price $1,946.99

Lenovo Pure Sight Gaming DisplayFeel every pulse of the game with the native landscape 8" Lenovo PureSight display offering a larger ultra-vibrant ...

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Original price $1,946.99 - Original price $1,946.99
Original price
$1,946.99
$1,946.99 - $1,946.99
Current price $1,946.99

Samsung - 77 Class S95F Series OLED 4K UHD SamsungVision AI Smart Tizen TV (2025)

Samsung
Original price $3,650.99 - Original price $3,650.99
Original price
$3,650.99
$3,650.99 - $3,650.99
Current price $3,650.99

NQ4 AI Gen3 ProcessorPowered by 128 neural networks our most powerful 4K AI processor leverages AI to deliver an mind-blowing 4K TV experience. No ...

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Original price $3,650.99 - Original price $3,650.99
Original price
$3,650.99
$3,650.99 - $3,650.99
Current price $3,650.99

Sony - 75" Class BRAVIA 2 II LED 4K UHD Smart Google TV (2025)

Sony
Original price $1,184.99 - Original price $1,184.99
Original price
$1,184.99
$1,184.99 - $1,184.99
Current price $1,184.99

Powerful TV processingThe 4K Processor X1 delivers a lifelike picture that is full of rich colors and sharp details.Enhanced color and fine details...

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Original price $1,184.99 - Original price $1,184.99
Original price
$1,184.99
$1,184.99 - $1,184.99
Current price $1,184.99

NETGEAR - AX3000 Dual-Band Wi-Fi 6 Wall Plug Range Extender - White

NETGEAR
Original price $138.99 - Original price $138.99
Original price
$138.99
$138.99 - $138.99
Current price $138.99

Wi-Fi mesh extenderExtends Wi-Fi coverage by 1500 sq. ft. creating a mesh network; connects up to 20+ devices. Ideal for small to medium-sized home...

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Original price $138.99 - Original price $138.99
Original price
$138.99
$138.99 - $138.99
Current price $138.99

ASUS - V440 24" FHD Touch-Screen All-in-One - Intel Core i5 - 16GB Memory - 512GB SSD - White

ASUS
Original price $880.99 - Original price $880.99
Original price
$880.99
$880.99 - $880.99
Current price $880.99

Full HD Touchscreen DisplayExperience crystal-clear visuals with a 24-inch IPS LCD touchscreen and an anti-glare surface for enhanced clarity and c...

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Original price $880.99 - Original price $880.99
Original price
$880.99
$880.99 - $880.99
Current price $880.99

ASUS - Zenbook A14 14" FHD+ OLED Laptop - Copilot+ PC - Snapdragon X Plus - 16GB RAM - 512GB SSD - Zabriskie Beige

ASUS
Original price $1,117.99 - Original price $1,117.99
Original price
$1,117.99
$1,117.99 - $1,117.99
Current price $1,117.99

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 $1,117.99 - Original price $1,117.99
Original price
$1,117.99
$1,117.99 - $1,117.99
Current price $1,117.99

Samsung - 9100 PRO 1TB Internal SSD PCIe Gen 5x4 NVMe Speeds Up to 14700 MB/s

Samsung
Original price $314.99 - Original price $314.99
Original price
$314.99
$314.99 - $314.99
Current price $314.99

PCIe 5.0 PerformanceSupercharge your workflow and gaming with lightning-fast PCIe 5.0 boasting sequential read/write speeds up to 14800/13400 MB/s....

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Original price $314.99 - Original price $314.99
Original price
$314.99
$314.99 - $314.99
Current price $314.99

HP - OmniBook 3 17.3" Full HD Laptop - Intel Core Ultra 7 (2025) - 16GB Memory - 1TB SSD - Mica Silver

HP
Original price $1,341.99 - Original price $1,341.99
Original price
$1,341.99
$1,341.99 - $1,341.99
Current price $1,341.99

17.3" FHD display with IPSAlways see your content at its best—displayed in stunning Full HD resolution with 178-degree wide-viewing angles. AMD Fre...

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Original price $1,341.99 - Original price $1,341.99
Original price
$1,341.99
$1,341.99 - $1,341.99
Current price $1,341.99

ASUS - ROG STRIX B850-F GAMING WIFI7 NEO (Socket AM5) AMD B850 ATX DDR5 Wi-Fi 7 Motherboard - Black

ASUS
Original price $372.99 - Original price $372.99
Original price
$372.99
$372.99 - $372.99
Current price $372.99

Ready for Advanced AI PCsDesigned for the future of AI computing with the power and connectivity needed for demanding AI applicationsAMD AM5 Socket...

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Original price $372.99 - Original price $372.99
Original price
$372.99
$372.99 - $372.99
Current price $372.99

ASUS - ROG XREAL R1 Gaming AR Glasses - 171" FHD 240Hz 0.01ms for ROG Ally PC and Console (Narrow IPD 57-66mm) - Black

ASUS
Original price $916.99 - Original price $916.99
Original price
$916.99
$916.99 - $916.99
Current price $916.99

Interpupillary Distance (IPD) DefinedIPD is the natural space between your pupils and matching it helps ensure a comfortable experience. Precise IP...

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Original price $916.99 - Original price $916.99
Original price
$916.99
$916.99 - $916.99
Current price $916.99

HyperX - OMEN 16" 165Hz 2.5K OLED Gaming Laptop - AMD Ryzen 9 8940HX (2025) - 24GB Memory - NVIDIA GeForce RTX 5070 - 1TB SSD - Shadow Black

HyperX
Original price $2,134.99 - Original price $2,134.99
Original price
$2,134.99
$2,134.99 - $2,134.99
Current price $2,134.99

AMD Ryzen 9 8940HX processorThe AMD Ryzen 9 8940HX is built off AMD's "Zen 4" processor architecture to deliver the ultimate in performance and pow...

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Original price $2,134.99 - Original price $2,134.99
Original price
$2,134.99
$2,134.99 - $2,134.99
Current price $2,134.99

XFX - Swift AMD Radeon RX 9070GRE Triple Fan Gaming Edition with 12GB GDDR6 HDMI 3xDP AMD RDNA 4 - Black

XFX
Original price $631.99 - Original price $631.99
Original price
$631.99
$631.99 - $631.99
Current price $631.99

GDDR6 Memory for advanced gamingEquipped with 12GB of advanced GDDR6 memory to provide high bandwidth performance enabling 1080p performance for to...

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Original price $631.99 - Original price $631.99
Original price
$631.99
$631.99 - $631.99
Current price $631.99

LEGO - Minecraft The Skeleton Building Toy 21594

Lego
Original price $58.99 - Original price $58.99
Original price
$58.99
$58.99 - $58.99
Current price $58.99

Skeleton Building ToyTreat gamers LEGO builders and collectors of gaming decor to the LEGO Minecraft The Skeleton (21594) building toy inspired by ...

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

ASUS - TUF Gaming A16 16" 3K 165Hz Gaming Laptop - AMD Ryzen 9 8940HX - 16GB RAM - NVIDIA GeForce RTX 5070 - 512GB SSD - Jaegar Gray

ASUS
Original price $2,381.99 - Original price $2,381.99
Original price
$2,381.99
$2,381.99 - $2,381.99
Current price $2,381.99

Game create and maximize your productivity with Windows 11Game create and maximize your productivity—Windows 11 is the one place for it all. With a...

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Original price $2,381.99 - Original price $2,381.99
Original price
$2,381.99
$2,381.99 - $2,381.99
Current price $2,381.99

Lenovo - Legion Pro 5i 16" 3K LCD Gaming Laptop - Intel Core Ultra 7 255HX 2025 - 16GB RAM - NVIDIA GeForce RTX 5070 - 1TB - Eclipse Black

Lenovo
Original price $2,737.99 - Original price $2,737.99
Original price
$2,737.99
$2,737.99 - $2,737.99
Current price $2,737.99

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 $2,737.99 - Original price $2,737.99
Original price
$2,737.99
$2,737.99 - $2,737.99
Current price $2,737.99

Razer - Viper V4 Pro Ultra Lightweight Optical Gaming Mouse with 180 Hour Battery Life - 8k Polling Rate - Wireless - Black

Razer
Original price $189.99 - Original price $189.99
Original price
$189.99
$189.99 - $189.99
Current price $189.99

49G ULTRA LIGHTWEIGHT ESPORTS MOUSEBuilt with input from competitive pro players this wireless mouse is 9 lighter than the previous gen and deliver...

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Original price $189.99 - Original price $189.99
Original price
$189.99
$189.99 - $189.99
Current price $189.99

LG - 48" Class B6 Series OLED AI 4K Smart webOS TV (2026)

LG
Original price $856.99 - Original price $856.99
Original price
$856.99
$856.99 - $856.99
Current price $856.99

Prefect Black Vivid ColorLG's OLED technology creates an incredible watching experience and stellar picture quality with Perfect Black and Vivid C...

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Original price $856.99 - Original price $856.99
Original price
$856.99
$856.99 - $856.99
Current price $856.99

CyberPowerPC - Gaming Desktop - Intel Core Ultra 7 270K Plus - NVIDIA GeForce RTX 5070 12GB - 32GB DDR5 - 2TB PCIe 4.0 SSD Storage - Gray

CyberPowerPC
Original price $2,526.99 - Original price $2,526.99
Original price
$2,526.99
$2,526.99 - $2,526.99
Current price $2,526.99

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 $2,526.99 - Original price $2,526.99
Original price
$2,526.99
$2,526.99 - $2,526.99
Current price $2,526.99

Samsung - 43 Class U8000H Series Crystal UHD 4K Smart Tizen TV (2026)

Samsung
Original price $314.99 - Original price $314.99
Original price
$314.99
$314.99 - $314.99
Current price $314.99

Crystal Processor 4KImmerse yourself in lifelike visuals. See every shade of color as the creators intended in brilliant 4K resolution and experien...

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Original price $314.99 - Original price $314.99
Original price
$314.99
$314.99 - $314.99
Current price $314.99

GIGABYTE - Radeon RX 9060 XT GAMING OC ICE 16G Graphics Card - White

Gigabyte Technology
Original price $544.99 - Original price $544.99
Original price
$544.99
$544.99 - $544.99
Current price $544.99

Radeon RX 9060 XTPowered by Radeon RX 9060 XTLarge Memory InterfaceIntegrated with 16GB GDDR6 128 bit memory interfacePCIe PortsPCIe 5.0 x16Cooli...

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Original price $544.99 - Original price $544.99
Original price
$544.99
$544.99 - $544.99
Current price $544.99

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.