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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 $146.99 - Original price $146.99
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Hori - Racing Wheel Overdrive for Xbox Series XS - 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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Original price $52.99 - Original price $52.99
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Woojer - Vest 3 Chair Mount - Black

Generic

Easy attachmentSecurely attach the Woojer Vest 3 to your chair without needing a dedicated seat.Universal compatibilityDesigned to fit most chairs ...

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Original price $52.99 - Original price $52.99
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Original price $53.99 - Original price $53.99
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Glorious - Model D 2 Pro Lightweight Wireless Optical Gaming Mouse with BAMF 2.0 Sensor - Wireless - Matte Black

Glorious

Optimized for controlIts ergonomic shape and ultralight weight combine to make aiming feel exceptionally quick and precise. Perfect for fast-paced ...

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Original price $53.99 - Original price $53.99
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Original price $100.99 - Original price $100.99
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Govee - Dreamview TV Strip Lights for 75- 85 TVs - Multi

Govee

1080p Smart cameraIntelligently capture the colors on screen and automatically apply them to your lights.Segmented color controlCustomize the color...

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Original price $100.99 - Original price $100.99
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Original price $416.99 - Original price $416.99
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Samsung - 27 Odyssey G50D QHD IPS 180Hz 1ms AMD FreeSync and G-Sync Compatible Gaming Monitor with HDR 400 (DisplayPort HDMI) - Black

Samsung

QHD Resolution Fast IPS PanelFor a gaming world more lifelike than you could ever imagine QHD resolution packs in 1.7 times the pixel density of F...

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Original price $416.99 - Original price $416.99
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Original price $462.99 - Original price $462.99
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Klipsch - Reference 4" 35W 2-Way Powered Speakers (Pair) - Black

Klipsch

Frequency Response60Hz - 20kHzPlays well with othersConnect via Bluetooth for muisc streaming phono (with ground screw terminal) for turntables plu...

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Original price $462.99 - Original price $462.99
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Original price $368.99 - Original price $368.99
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Samsung - Odyssey G51C 32" QHD FreeSync Premium Gaming Monitor with HDR10 (DisplayPort HDMI) - Black

Samsung

QHD ResolutionYour gaming world more lifelike than ever before. Packing in 1.7 times the pixel density of Full HD QHD resolution boasts incredibly ...

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Original price $368.99 - Original price $368.99
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Original price $61.99 - Original price $61.99
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Razer - DeathAdder V3 Lightweight Optical Gaming Mouse with 8K Hz HyperPolling Technology - Wired - Black

Razer

59g Ultra-lightweight DesignMade more than 25 lighter than the Razer DeathAdder V2 enjoy a level of speed and control favored by the world’s top pl...

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Original price $61.99 - Original price $61.99
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Original price $910.99 - Original price $910.99
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LG - 75 Class UR9000 Series LED 4K UHD Smart webOS TV (2023)

LG

4K UpscalingEnjoy movies and TV shows upscaled to 4K for a sharper image and more lifelike details.178;Filmmaker ModeLand in the center of the acti...

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Original price $910.99 - Original price $910.99
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Original price $373.99 - Original price $373.99
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Lenovo - IdeaPad Slim 3 Chromebook Laptop - 14" Full HD- - 4GB Memory - 64GB eMMC

Lenovo

Runs ChromeOSThe fast secure operating system from Google with built-in Google apps like Gmail Gemini Docs Photos YouTube and more so you can go fr...

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Original price $373.99 - Original price $373.99
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Razer - Basilisk V3 X HyperSpeed Optical Gaming Mouse with 9 Customizable Controls - Wireless - Black

Razer

Iconic Ergonomic Form with 9 Customizable ControlsFavored by millions worldwide the mouse’s signature shape perfectly supports different grips whil...

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Original price $63.99 - Original price $63.99
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Original price $88.99 - Original price $88.99
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PowerA - Enhanced Wireless Controller for Nintendo Switch - Pikachu Vibrant

PowerA

Wireless controller with Bluetooth 5.0 technologyRechargeable lithium-ion battery Up to 30 hours per chargeTwo mappable Advanced Gaming ButtonsEmbe...

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Original price $88.99 - Original price $88.99
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Original price $314.99 - Original price $314.99
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Samsung - 32" Odyssey G50D QHD IPS 180Hz 1ms AMD FreeSync and G-Sync Compatible Gaming Monitor with HDR 400 (DisplayPort HDMI) - Black

Samsung

QHD Resolution Fast IPS PanelFor a gaming world more lifelike than you could ever imagine QHD resolution packs in 1.7 times the pixel density of F...

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Original price $314.99 - Original price $314.99
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Original price $874.99 - Original price $874.99
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CORSAIR - VENGEANCE RGB 64GB (2x32GB) DDR5 6400MHz C32 UDIMM Desktop Memory - Black

Corsair

Welcome to the Cutting-Edge of PerformancePush the limits of your system like never before with CORSAIR DDR5 memory unlocking even faster frequenci...

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Original price $874.99 - Original price $874.99
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Lenovo - IdeaPad Flex 3i Chromebook Laptop - 12.2" 2K Touchscreen - Intel N100 2023 - 4GB Memory - 64GB eMMC - Abyss Blue

Lenovo

Runs ChromeOSThe fast secure operating system from Google with built-in Google apps like Gmail Gemini Docs Photos YouTube and more so you can go fr...

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Original price $428.99 - Original price $428.99
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Samsung - 37" Odyssey G75F 4K 165Hz 1ms AMD FreeSync Prem Pro Curved Gaming Monitor with HDR 600 (DisplayPort HDMI) - Black

Samsung

37" Curved 4K UHDImmerse yourself in next-level gaming with a 37" screen that wraps around you. This 37" 1000R curved display widens your field of ...

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Original price $704.99 - Original price $704.99
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Original price $270.99 - Original price $270.99
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Razer - BlackShark V3 Pro ANC Wireless Over-the-Ear Gaming Headset for PC Mac Playstation Nintendo Switch Smartphone - White

Razer

Razer HyperSpeed Wireless Gen-2Outpace all competition with a fast wireless technology optimized for ultra-low latency as low as 10 ms delivering n...

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Original price $270.99 - Original price $270.99
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Original price $254.99 - Original price $254.99
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Samsung - 32" Odyssey G51F QHD 180Hz 1ms AMD FreeSync Gaming Monitor with HDR10 (DisplayPort HDMI) - Black

Samsung

QHD (2560x1440)Step into a game world that's more vivid and immersive than ever before. With 1.7 times the pixel density of Full HD (1920x1080) QHD...

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Original price $172.99 - Original price $172.99
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Govee - Smart Table Lamp 2 Pro Sound by JBL - Multi

Govee

Sound by JBL with stereo pairingPremium JBL audio with stereo pairing for powerful immersive sound and synchronized lighting.Clearer visuals DIY21...

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Original price $172.99 - Original price $172.99
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Original price $1,215.99 - Original price $1,215.99
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LG - UltraGear 34" OLED Curved WQHD 240Hz 0.03ms AMD FreeSync Premium Pro Gaming Monitor with HDR (DisplayPort HDMI USB-C) - Black

LG

The 240Hz OLED Gaming Monitor that’s Ahead of the (800R) CurveThe 34 WQHD OLED with a steep 800R curve and up to 1300 nits (APL 1.5) peak brightnes...

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Original price $1,215.99 - Original price $1,215.99
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Original price $1,788.99 - Original price $1,788.99
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HP - OmniBook X - Copilot+ PC - 17.3" Full HD Touch-Screen Laptop - Intel Core Ultra 9 - 32GB Memory - 2TB SSD - Glacier Silver

HP

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 $1,788.99 - Original price $1,788.99
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Original price $95.99 - Original price $95.99
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Razer - BlackShark V3 X Hyperspeed Wireless Over-the-Ear Gaming Headset for PC Mac Playstation Nintendo Switch Smartphone - Black

Razer

Razer TriForce 50 mm Drivers Gen-2Tuned for improved clarity and positional performance the Gen-2 drivers not only deliver more powerful audio but ...

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Original price $95.99 - Original price $95.99
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Original price $137.99 - Original price $137.99
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Thrustmaster - T98 Ferrari 296 GTS Racing Wheel for Xbox One Xbox Series S Xbox Series X Windows - Black

Thrustmaster

Ergonomically designed and fun for gaming10 wheel rim inspired by the steering wheel of the Ferrari 296 GTS and perfect for all gaming skill levels...

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Original price $137.99 - Original price $137.99
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Original price $290.99 - Original price $290.99
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LG - 50 Class UA7000 Series LED AI 4K UHD Smart webOS TV (2025)

LG

4K UHD TVEverything you need to bring your favorite content to life with the power of 4K and the extras you crave.Alpha 7 AI Processor Gen8Enhanced...

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Original price $290.99 - Original price $290.99
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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.