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Buy Now Pay Later Gaming Hardware

Gamers, does your current setup lack processing power and pizazz? Level up your gaming setup with a little help from Finance My Cart and Terrace Finance. Pay over time to outfit your battlestation to the highest standard your neon pulsating heart desires! Lease-to-own curved monitors, gaming laptops, gaming desktop computers with all the bells and whistles, glowing keyboards, gaming speakers, headsets, microphones, gaming consoles, and more. Shop amazing gaming brands like Alienware, Razer, Microsoft, Logitec, MSI, Nintendo, Playstation, and more. Then check out with Terrace Finance to be matched with an affordable pay-over-time program from their network. And shipping is free!

  • Original price $1,339.99 - Original price $1,339.99
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    iBUYPOWER - Scale Gaming Desktop PC - AMD Ryzen 7 8700F- NVIDIA GeForce RTX 4060 Ti 8GB- 32GB DDR5 RGB RAM - 1TB NVMe SSD - Black

    iBuyPower

    Windows 11 Home AdvancedWindows 11 has all the power and security of Windows 10 with a redesigned and refreshed look. It comes with new tools sound...

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    Original price $1,339.99 - Original price $1,339.99
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  • Original price $441.99 - Original price $441.99
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    NETGEAR - Nighthawk BE12000 Tri-Band Wi-Fi 7 Router - Black

    NETGEAR

    BE12000 tri-band Wi-Fi 7 routerSupports blazing-fast Wi-Fi 7 speeds up to 12 Gbps for gaming smooth streaming videoconferencing and entertainment.W...

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    Original price $441.99 - Original price $441.99
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    Insignia - Premium Mouse Pad with Wrist Rest - Pink

    Insignia

    Comfortable silicone wrist restCushions and supports your wrist while working or gaming.Smooth gliding surfaceSoft and smooth polyester surface fee...

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    Google - Pixel 9 128GB (Unlocked) - Obsidian

    GOOGLE

    Universal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Crick...

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    Google - Pixel 9 256GB (Unlocked) - Wintergreen

    GOOGLE

    Universal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Crick...

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    SteelSeries - Arctis Nova 5P Wireless Gaming Headset for PS5 PS4 - White

    Steel Series

    100+ GAME AUDIO PRESETSUnlock tailored audio presets for top games like GTA V FIFA Call of Duty and more with the Arctis Nova 5 Companion App60-HOU...

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  • Original price $751.99 - Original price $751.99
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    Samsung - Galaxy S24 FE 128GB (Unlocked) - Graphite

    Samsung

    Move it. Remove it. Improve it.Take a great pic then make it better using Photo Assist with Galaxy AI. It gives you suggestions for improving your ...

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  • Original price $92.99 - Original price $92.99
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    Microsoft - Xbox Wireless Controller for Xbox Series X Xbox Series S Xbox One Windows Devices - Ghost Cipher Special Edition

    Microsoft

    Reveal the mysteries withinReveal the mysteries within the Ghost Cipher Special Edition controller featuring a transparent clear design silver inte...

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    Original price $92.99 - Original price $92.99
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  • Original price $553.99 - Original price $553.99
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    Thrustmaster - T598 Direct Axial Drive Force Feedback Racing Wheel and Pedal Set (PS5 PS4 PC) - Black

    Thrustmaster

    Next-gen Direct Axial Drive motorNext-gen Direct Axial Drive motor (5 Nm of constant torque) with overshoot capability vastly increasing the maximu...

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    Original price $553.99 - Original price $553.99
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    PowerA - Wireless Controller for PC - Good - Black

    PowerA

    Tactile Mechanical Buttons - Enhance your gaming with quick response mechanical buttons on the ABXY D-PAD and LB/RB buttons.Quick-Twist Adjustable ...

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    Original price $116.99 - Original price $116.99
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  • Original price $266.99 - Original price $266.99
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    Nintendo Switch Lite Hyrule Edition with Bonus Nintendo Switch Online + Expansion Pack - Multi

    Nintendo

    Stylish gold-colored design with Hylian CrestDesigned for handheld play Nintendo Switch Lite is a compact lightweight Nintendo Switch system.Featur...

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    Original price $266.99 - Original price $266.99
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  • Original price $1,670.99 - Original price $1,670.99
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    HP OMEN - 35L Gaming Desktop - AMD Ryzen 7 8700G - 16GB DDR5 Memory - NVIDIA GeForce RTX 4060 Ti - 1TB SSD - White/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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    Microsoft - Xbox Series S 1TB All-Digital Console (Disc-Free Gaming) - Robot White

    Microsoft

    Play more wait lessMake the most of every gaming minute with Quick Resume lightning-fast load times and gameplay of up to 120 FPS—all powered by Xb...

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    Original price $416.99 - Original price $416.99
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  • Original price $379.99 - Original price $379.99
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    LG - MyView 34" WQHD 100Hz 5ms Smart Monitor with HDR10 - Black - Black

    LG

    Work Smart Play SmartLG MyView Smart Monitor is designed for multitasking while you work play and watch. Connect the 34 219 curved display to a lap...

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    Original price $379.99 - Original price $379.99
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  • Original price $69.99 - Original price $69.99
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    Disney - Lorcana Shimmering Skies - Illumineer's Trove

    Lorcana

    Secure and Stylish StorageSafely store and protect your valuable Disney Lorcana card collection with the Disney Lorcana Trove. Its durable construc...

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    Original price $69.99 - Original price $69.99
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  • Original price $21.99 - Original price $21.99
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    Disney - Lorcana Deck Box (Tiana)

    Lorcana

    Officially LicensedThe Disney Lorcana deck box is an officially licensed product ensuring authenticity and quality. Safeguard your precious card co...

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  • Original price $141.99 - Original price $141.99
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    NZXT - H7 Flow ATX Mid-Tower PC Case - White Black

    NZXT

    Extremely CoolThe H7 Flow achieves maximized thermal performance with a perforated top and front panel. These airflow-optimized panels improve vent...

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    Original price $141.99 - Original price $141.99
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  • Original price $416.99 - Original price $416.99
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    Nintendo Switch OLED Model Mario Kart 8 Deluxe Bundle - Multi

    Nintendo

    Vivid 7 OLED screenThree play modes TV tabletop and handheldDetachable Joy-Con controllersNintendo Switch Online unlocks online play classic games ...

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  • Original price $117.99 - Original price $117.99
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    Glorious - GPBT Universal Keycap Set for 100 85 80 TKL 60 Compact 75 Mechanical Keyboards - Celestial Fire

    Glorious

    BuildGorgeous cherry-profile keycaps made from super-durable PBT plastic.Fit114 Keycaps to ensure perfect fit for most keyboards available.LayoutTr...

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  • Original price $401.99 - Original price $401.99
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    Razer - Kraken V4 Pro Wireless Gaming Headset with 9 Zone Chroma RGB - For PC Mac PS5 Nintendo Switch Steam Deck Smartphone - Black

    Razer

    OLED Control HubCustomize and centralize the control of your battlestation with one powerful device. Check PC system metrics at a glance adjust hea...

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  • Original price $189.99 - Original price $189.99
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    Razer - Basilisk V3 Pro 35K Wireless Ergonomic Gaming Mouse with HyperScroll Tilt Wheel and Chroma RGB Lighting - Black

    Razer

    Configurable Razer HyperScroll Tilt WheelChoose between tactile cycling and smooth free-spin scrolling or auto-switch between them based on your sc...

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    Original price $189.99 - Original price $189.99
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  • Original price $2,383.99 - Original price $2,383.99
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    Alienware m18 R2 18" Gaming Laptop 165 Hz QHD - 14th Gen Intel Core i9 - NVIDIA GeForce 4070 - 1TB SSD - 32 GB Memory - Dark Metallic Moon

    Alienware

    Windows 11 Home Operating SystemWindows 11 has all the power and security of Windows 10 with a redesigned and refreshed look. It also comes with ne...

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  • Original price $362.99 - Original price $362.99
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    SteelSeries - Arctis Nova Pro Wireless Multi Gaming Headset for PS5 PS4 PC Switch - White

    Steel Series

    WORN BY CHAMPIONSFaker Rain and James Baldwin wear the Arctis Nova Pro Wireless when earning the biggest wins of their lifetimes. Join them.ACTIVE ...

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  • Original price $146.99 - Original price $146.99
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    Hori - Racing Wheel Apex for PS5 PS4 and PC - Black

    Hori

    Authentic FeelFull-size racing wheel and pedals optimized for authentic racing simulationEasily Adjustable270-degree turn radius with adjustable ou...

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    Original price $146.99 - Original price $146.99
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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.