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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 $512.99 - Original price $512.99
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Current price $512.99

Apple - iPad mini (A17 Pro chip) - Built for Apple Intelligence - Wi-Fi 128GB - Starlight

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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Original price $791.99 - Original price $791.99
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Apple - iPad mini (A17 Pro chip) - Built for Apple Intelligence - Wi-Fi + Cellular 256GB - Space Gray (Unlocked)

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 $791.99 - Original price $791.99
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$791.99
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Current price $791.99
Original price $679.99 - Original price $679.99
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Apple - iPad mini (A17 Pro chip) - Built for Apple Intelligence - Wi-Fi + Cellular 128GB - Space Gray (Unlocked)

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 $679.99 - Original price $679.99
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$679.99
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Current price $679.99
Original price $23.99 - Original price $23.99
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$23.99
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Disney - Lorcana Ursula’s Return - Card Sleeve (Snow White)

Lorcana

Play in StyleElevate your gaming experience with these stunning card sleeves featuring original artwork of Snow White - Well Wisher by Javi Salas. ...

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Original price $23.99 - Original price $23.99
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Original price $24.99 - Original price $24.99
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Insignia - Premium Mouse Pad with Wrist Rest - Black

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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Original price $24.99 - Original price $24.99
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Original price $92.99 - Original price $92.99
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$92.99
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Razer - Basilisk V3 Optical Gaming Mouse with HyperScroll Tilt Wheel - Wired - 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 $92.99 - Original price $92.99
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Original price $445.99 - Original price $445.99
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NETGEAR - Nighthawk BE18000 Tri-Band Wi-Fi 7 Router - Black

NETGEAR

BE18000 tri-band Wi-Fi routerSupports blazing-fast Wi-Fi 7 speeds up to 18 Gbps for gaming smooth streaming videoconferencing and entertainment.Wi-...

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Original price $445.99 - Original price $445.99
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Original price $120.99 - Original price $120.99
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Thrustmaster - H.E.A.R.T Controller for Xbox XS PC - White

Thrustmaster

Action buttonsThe action buttons provide super-responsive clicks with a short activation distance for optimal responsiveness.Mini sticksMini-sticks...

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Original price $120.99 - Original price $120.99
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Original price $156.99 - Original price $156.99
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HyperX - Alloy Rise 75 Wireless Mechanical Gaming Keyboard with RGB Lighting and Hot-Swappable Switches - Black

HyperX

Up to 1500 hours of battery lifeBask in up to 80 hours of electrifying gameplay with backlighting on or p ush your endurance up to 1500 hours with ...

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Original price $156.99 - Original price $156.99
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Original price $24.99 - Original price $24.99
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Insignia - Premium Mouse Pad with Wrist Rest - Natural

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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Original price $24.99 - Original price $24.99
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Original price $162.99 - Original price $162.99
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Razer - Laptop Cooling Pad with Intelligent Fan Control and Chroma RGB for Laptops 14" to 18" - Black

Razer

Razer HyperBoostTakes full advantage of the Razer Laptop Cooling Pad’s smart cooling capabilities to maximize the performance of compatible Blades ...

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Original price $162.99 - Original price $162.99
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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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Original price $24.99 - Original price $24.99
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Original price $161.99 - Original price $161.99
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ASUS - ROG Strix Scope II 96 Full Size Wireless Mechanical Gaming Keyboard with Hot-Swappable ROG NX Snow Switches - White

ASUS

96 LayoutRetains all function and number keys in a more compact and efficient layout that frees up desk space with a form factor that is only 1 cm ...

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Original price $161.99 - Original price $161.99
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Disney - Lorcana Ursula’s Return - Deck Box (Genie)

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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NEXT - Side Dock Charging Station for Xbox Series S - White

NEXT

Simultaneous chargingCharge 2 battery packs at the same timeCharge indicatorsView charging status at a glance via LED indicatorsEasy slide in desig...

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Original price $34.99 - Original price $34.99
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Original price $391.99 - Original price $391.99
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Samsung - 990 EVO PLUS SSD 4TB 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 $391.99 - Original price $391.99
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Original price $120.99 - Original price $120.99
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Razer - BlackWidow V4 Mini 65 HyperSpeed Wireless Mechanical Orange Switch Gaming Keyboard with Hot-Swappable Design - Black

Razer

Top-Class Connectivity with Razer HyperSpeed Wireless and Bluetooth 5.0Experience lag-free gaming and instant response with our industry-leading 2....

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Original price $120.99 - Original price $120.99
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Original price $512.99 - Original price $512.99
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$512.99
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Current price $512.99

Apple - iPad mini (A17 Pro chip) - Built for Apple Intelligence - Wi-Fi 128GB - Purple

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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$512.99
$512.99 - $512.99
Current price $512.99
Original price $512.99 - Original price $512.99
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Current price $512.99

Apple - iPad mini (A17 Pro chip) - Built for Apple Intelligence - Wi-Fi 128GB - Blue

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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Original price $328.99 - Original price $328.99
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Razer - BlackWidow V4 Pro 75 Wireless Orange Switch Gaming Keyboard with Hot-Swappable Design - Black

Razer

True 4K Hz Wireless Bluetooth 5.1 for seamless response and connectivityExperience a greater level of gaming response powered by Razer HyperSpeed ...

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Original price $328.99 - Original price $328.99
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Original price $28.99 - Original price $28.99
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NEXT - Play + Charge Kit for Xbox Series X S - Black

NEXT

Gaming freedomPlay where you're most comfortable thanks to a generous 9' foot lengthSave money and the environmentRechargeable battery eliminates t...

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Original price $28.99 - Original price $28.99
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Original price $33.99 - Original price $33.99
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NEXT - Dual Controller Charging Station for Playstation 5 - White

NEXT

Fast PlayStation 5 controller chargingQuickly charges two PS5 DualSense controllersDesigned to complement the PlayStation 5 consoleBlack and white ...

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Original price $33.99 - Original price $33.99
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Original price $156.99 - Original price $156.99
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$156.99
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Current price $156.99

Turtle Beach - Kone XP Air Wireless Optical Gaming Mouse with Charging Dock and AIMO RGB Lighting - Wireless - Black

Turtle Beach

Ergonomic Multi-Button DesignPerfected through years of refinement the beloved Kone ergonomic shape ensures comfort over long gaming sessions. Ten ...

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Original price $156.99 - Original price $156.99
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Current price $156.99
Original price $288.99 - Original price $288.99
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Razer - BlackWidow V4 Pro Full Size Wired Mechanical Green Clicky Switch Gaming Keyboard with Chroma RGB Backlighting - White

Razer

Razer Green Mechanical Switches for precise execution with a clicky tactile feelWith a 1.9mm actuation point requiring just 50g of force experience...

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Original price $288.99 - Original price $288.99
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Current price $288.99

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.