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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 $462.99 - Original price $462.99
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JBL - BAR 500 5.1ch Soundbar with Multibeam and Dolby Atmos - Black

JBL

Dolby Atmos and MultiBeam surround soundImmerse yourself in theater-quality 3D surround sound. Hear extraordinary sound effects from everywhere in ...

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Original price $462.99 - Original price $462.99
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Original price $58.99 - Original price $58.99
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Razer - Kraken V3 X Wired Over-the-Ear Gaming Headset for PC Mac and Playstation 4 - Black

Razer

285g ultra-light build for marathon gaming sessionsEngineered to be extremely light at just 285g experience superior audio as you game for hours wi...

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Original price $58.99 - Original price $58.99
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Original price $20.99 - Original price $20.99
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Disney - Lorcana Deck Box (Aladdin)

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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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 $254.99 - Original price $254.99
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Sony - INZONE Buds Truly Wireless Noise Canceling Gaming Earbuds for PC and PS5 - White

Sony

Superior sound helps you stay on topSmall size big impact. The INZONE Buds use an 8.4 mm driver noise cancelling technology personalized spatial so...

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Original price $254.99 - Original price $254.99
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Original price $61.99 - Original price $61.99
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8BitDo - Pro 2 Bluetooth Controller for Switch Windows macOS Android and Steam Deck with Hall Effect Joysticks - Black

8BitDo

Gyro axis functionEnhance the realism of the gaming experience making you feel like you are personally on the scene.VibrationModify the vibration i...

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Original price $61.99 - Original price $61.99
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Sony Interactive Entertainment - DualSense Wireless Controller for PS5 PC Mac Mobile - Chroma Indigo

Sony

Bring gaming worlds to lifeFeel your in-game actions and environment simulated through haptic feedback2. Experience varying force and tension at yo...

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Original price $86.99 - Original price $86.99
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Original price $139.99 - Original price $139.99
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AOC - 16T15 15.6" IPS Portable Monitor FHD 1920x1080 60Hz 5Ms USB-CCarry Case / Stand - Black

AOC

A larger second screenAdd a flexible 15.6'' second screen to your setup for better entertainment and next level productivity. Easily binge-watch yo...

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Original price $139.99 - Original price $139.99
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Resident Evil 2 - PlayStation 5

Capcom

Terrifying zombiesDriven by insatiable hunger these creatures act on instinct gnashing their teeth ripping at flesh and devouring their victims. Th...

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Disney - Lorcana Ursula’s Return - Deck Box (Snow White)

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 $189.99 - Original price $189.99
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Razer - Basilisk V3 Pro 35k Optical Gaming Mouse with HyperScroll Tilt Wheel - Wireless - 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 $2,253.99 - Original price $2,253.99
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ASUS - ROG Zephyrus G14 14" 3K OLED 120Hz Gaming Laptop - Copilot+ PC - AMD Ryzen AI 9 HX - 32GB RAM - NVIDIA RTX 5070 Ti - 1TB - 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 ...

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Original price $2,253.99 - Original price $2,253.99
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Original price $151.99 - Original price $151.99
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Alienware - AW725H Tri Mode Wireless Over-the-Ear Gaming Headset for PC Xbox XS Xbox One PS5 PS4 Switch and Mobile - Lunar Light

Dell

Designed for comfortFeaturing a 45mm-wide headband and an easy-to-adjust sliding suspension unlock your optimal fit.Spacious. Breathable. Soft.Boas...

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Original price $151.99 - Original price $151.99
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Original price $204.99 - Original price $204.99
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Razer - Wolverine V3 Pro Wireless Gaming Controller with 6 Remappable Buttons Fast Triggers Designed for Xbox Series XS PC - Black

Razer

4 Mouse Click Back Buttons 2 Claw Grip Bumpers 6 Remappable Buttons to Outplay Them AllEnjoy the same ultra-responsive actuation found in our top ...

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Original price $177.99 - Original price $177.99
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AOC - C27G4X 27" VA Curved Gaming Monitor FHD (1920x1080) 180Hz 0.5ms Freesync HDR10 - Black

AOC

180Hz refresh rate180Hz completely unleashes top end GPUs bringing unprecedented fluidity to the picture on your screen. With every detail brought ...

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Original price $177.99 - Original price $177.99
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Original price $557.99 - Original price $557.99
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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 $557.99 - Original price $557.99
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Original price $86.99 - Original price $86.99
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Sony Interactive Entertainment - DualSense Wireless Controller for PS5 PC Mac Mobile - Chroma Teal

Sony

Bring gaming worlds to lifeFeel your in-game actions and environment simulated through haptic feedback2. Experience varying force and tension at yo...

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Original price $86.99 - Original price $86.99
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$86.99
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Original price $401.99 - Original price $401.99
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LG - 34" WQHD 100Hz 5ms Smart Monitor with HDR10 (HDMI USB-A) - Black

LG

Work Smart Play Smart on a 219 Smart ScreenLG Smart Monitor is designed for multitasking while you work play and watch. Connect the 34 219 curved d...

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Original price $401.99 - Original price $401.99
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Original price $332.99 - Original price $332.99
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Razer - Kraken V4 Pro Wireless Over-the-Ear Gaming Headset for PC Mac Playstation Nintendo Switch Steam Deck Mobile - 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 $332.99 - Original price $332.99
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Original price $94.99 - Original price $94.99
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PowerA - OPS v3 Pro Wireless Controller for PC Cloud Gaming with Lumectra - 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 $94.99 - Original price $94.99
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NEXT - Extra Long 9' Play + Charge Cable For PlayStation 4 - Black

NEXT

Freedom and flexibility9 foot cable length gives you plenty of space to charge while you gameUSB Type A to Micro USB cable connectionUSB Type A to ...

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Original price $25.99 - Original price $25.99
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Original price $226.99 - Original price $226.99
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Samsung - 990 EVO PLUS SSD 2TB PCIe Gen 4x4 5x2 M.2 2280 Speeds Up to 7250 MB/s

Samsung

Read/Write Speeds up to 7250/6300 MB/sThe 990 EVO Plus features the latest NAND memory boosting sequential speeds up to 7250/6300MB/s. With a read ...

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Original price $226.99 - Original price $226.99
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Original price $623.99 - Original price $623.99
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Apple - iPad mini (A17 Pro chip) - Built for Apple Intelligence - Wi-Fi 256GB - Space Gray

Apple

BUILT FOR APPLE INTELLIGENCE—Apple Intelligence is the personal intelligence system that helps you write express yourself and get things done effor...

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Original price $623.99 - Original price $623.99
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Original price $512.99 - Original price $512.99
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Apple - iPad mini (A17 Pro chip) - Built for Apple Intelligence - Wi-Fi 128GB - Space Gray

Apple

BUILT FOR APPLE INTELLIGENCE—Apple Intelligence is the personal intelligence system that helps you write express yourself and get things done effor...

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Original price $512.99 - Original price $512.99
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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.