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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 $333.99 - Original price $333.99
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Alienware - AW3225DM 32" VA LED Curved QHD 180Hz 1ms FreeSync Gaming Monitor with HDR (HDMI DisplayPort) - Interstellar Indigo

Dell

Big QHD visuals for any gameExplore detailed worlds in high definition with QHD resolution and fluid responsive visuals in an iconic design.Dive in...

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Original price $333.99 - Original price $333.99
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Original price $1,153.99 - Original price $1,153.99
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HP - OmniBook X Flip 2-in-1 - Copilot+ PC - 14" 2K Touch-Screen Laptop - Intel Core Ultra 7 - 16GB Memory - 1TB SSD - Atmospheric Blue

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 $1,153.99 - Original price $1,153.99
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Original price $3,356.99 - Original price $3,356.99
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ASUS - ROG Strix G18 18" 2.5K 240Hz Gaming Laptop - Intel Core Ultra 9 HX - 32GB RAM - NVIDIA GeForce RTX 5080 - 2TB SSD - Eclipse Gray

ASUS

Intuitive Windows 11 HomeGame create and connect with family and friends - Windows 11 Home is the place for it all. With a fresh new feel and tool...

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Original price $3,356.99 - Original price $3,356.99
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Original price $220.99 - Original price $220.99
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$220.99
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Govee - AI Gaming TV Sync Box Kit 2 with HDMI 2.1 4K144Hz 4-in-1 RGBWIC Lighting for 5565 inch TVs - Multi

Govee

Complete Setup Zero Extra CostConnect up to 4 HDMI 2.1 devices at one time with the Govee AI sync box. Supports the highest refresh rate syncing wi...

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Original price $220.99 - Original price $220.99
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Original price $140.99 - Original price $140.99
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$140.99
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Razer - Barracuda X Chroma Wireless Over-the-Ear Gaming Headset for PC Mac Playstation Nintendo Switch Steam Deck Mobile - Black

Razer

Razer SmartSwitch Dual Wireless to quick-toggle between Razer HyperSpeed and BluetoothSwitch connection from your PC or console to your phone with ...

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Original price $140.99 - Original price $140.99
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Original price $103.99 - Original price $103.99
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Digiland - Android 10.1" Tablet 32GB - Gray

Digiland

Power your day with GoogleWork play and connect right out of the box with Google+ Search Gmail YouTube and Hangouts. Save files in the cloud with G...

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Original price $103.99 - Original price $103.99
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Original price $3,087.99 - Original price $3,087.99
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HP OMEN MAX 16" 240Hz Intel Core Ult 9 275HX 32GB Mem NVIDIA GForce RTX 5080 1TB SSD

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 $3,087.99 - Original price $3,087.99
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Original price $1,147.99 - Original price $1,147.99
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HP OMEN - Transcend 31.5" QD-OLED 4K UHD 240Hz G-SYNC Compatible Gaming Monitor with Adjustable Height - Black/White

HP

QD-OLED Panel TechnologyExperience visuals like never before with an outstanding contrast ratio and a rapid 0.03ms response time ensuring vivid col...

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Original price $704.99 - Original price $704.99
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Microsoft Xbox Series X - All-Digital Edition - game console - 1 TB SSD - robot white

Microsoft

Power your dreamsExperience the fastest most powerful Xbox ever with Xbox Series X now all-digital with a 1TB SSD in Robot White.Immerse yourself w...

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Original price $704.99 - Original price $704.99
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Original price $93.99 - Original price $93.99
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SanDisk - Express 256GB microSD PCIe 3.1 NVMe UHS-I Memory Card works with Nintendo Switch 2

SanDisk

Ready for tomorrowA PCIe 3.1 NVMe interface and a standard microSD UHS-I interface make this card compatible with today’s devices and primed for fu...

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Original price $93.99 - Original price $93.99
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Original price $265.99 - Original price $265.99
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Acer - Chromebook 311 - 11.6" HD Laptop - Intel Celeron N4500 - 4GB Memory - 64GB eMMC - Star Black

Acer

The Best of Google in a LaptopChromebooks run ChromeOS the fast secure operating system from Google with built-in Google apps like Gmail Gemini Doc...

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Original price $126.99 - Original price $126.99
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Amazon - Fire HD 8 tablet 8 HD Display 3GB memory 32GB designed for portable entertainment (2024 release) - Black

AMAZON

Responsive with all day battery lifeIncludes 3GB RAM (50 more than 2022 release) 32GB of storage and up to 1 TB of expandable storage (sold separat...

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Original price $249.99 - Original price $249.99
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HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Sky Blue

HP

Windows 11 Home in S ModeExperience the most secure Windows ever built. With fast boot times increased responsiveness and added protection against ...

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Original price $249.99 - Original price $249.99
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Original price $339.99 - Original price $339.99
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XFX - SPEEDSTER SWFT210 AMD Radeon RX 7600 Core 8GB GDDR6 PCI Express 4.0 Graphics Card - Black

XFX

GDDR6 Memory for advanced gamingEquipped with 8GB of advanced GDDR6 memory to provide high bandwidth performance enabling 1080p performance for tod...

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Original price $339.99 - Original price $339.99
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Original price $64.99 - Original price $64.99
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LEGO - Horizon Adventures Aloy Varl vs. Shell-Walker Sawtooth Toy 77037

Lego

Horizon game LEGO set for kidsAloy Varl vs. Shell-Walker Sawtooth is packed with hands-on fun for boys and girls aged 9 and up with a passion for...

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Original price $64.99 - Original price $64.99
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Original price $1,857.99 - Original price $1,857.99
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Acer - Predator Helios Neo 16S AI Gaming Laptop - 16" OLED 240Hz - Intel Core Ultra 9 - NVIDIA GeForce RTX 5070Ti 32GB 1TB - Obsidian Black

Acer

Windows 11 HomeWindows 11 was designed with you at the center - to make life easier more creative secure connected and fun It's also faster with ne...

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Original price $1,857.99 - Original price $1,857.99
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Original price $68.99 - Original price $68.99
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ASUS - ROG 65W Charger Dock for ROG Ally (HDMI 2.0 USB-A USB-C) - Black

ASUS

Charge display and play simultaneouslyHave your TV monitor keyboard or other accessories pre-connected and plugged into the wall using the 65W gami...

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Original price $68.99 - Original price $68.99
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Original price $312.99 - Original price $312.99
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Turtle Beach - Stealth Pro Wireless Over-Ear Noise-Cancelling Gaming Headset for Xbox Series XS Xbox One PS5 PS4 PC Mac - Black

Turtle Beach

Exceptional Audio FidelityHand-selected 50mm Nanoclear drivers are larger than the competition and produce a clear highly detailed soundstage optim...

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Original price $312.99 - Original price $312.99
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Original price $76.99 - Original price $76.99
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ZAGG - InvisibleShield Glass XTR4 Screen Protector for Nintendo Switch 2 - Clear

ZAGG

11X StrongerGlass XTR4 screen protection fortified with graphene has been tested up to 11X stronger than traditional glass screen protection.Fortif...

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Original price $76.99 - Original price $76.99
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Original price $82.99 - Original price $82.99
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Super Smash Bros. Ultimate - Nintendo Switch

Nintendo of America

New stages and fighters are joined by the combined rosters of every past Super Smash Bros. gameChallenge others anytime anywhere whether you're on ...

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Original price $82.99 - Original price $82.99
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Original price $81.99 - Original price $81.99
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Hori - Fighting Stick Mini for PlayStation 5 - White

Hori

For GamersGreat for Arcade and Fighting GamesAccessibilityCompact lightweight and portableClassic LayoutClassic Fight Stick Button LayoutFully Func...

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Original price $81.99 - Original price $81.99
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Original price $359.99 - Original price $359.99
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Sony - PlayStation VR2 Horizon Call of the Mountain bundle - White

Sony Computer Entertainment Am

Cutting-edge performance.4K HDR visuals.4110 field of view.Advanced graphical rendering.Single cable setup.New generation of genre-defining VR game...

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Original price $359.99 - Original price $359.99
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Original price $19.99 - Original price $19.99
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Wrap-It Storage - Cable Guides - Black

Wrap-It

Peel and StickFeatures AdhesiveGoing IncognitoDiscreetly hide cords cables and wires.Stay OrganizedUse these adhesive cable management guides for s...

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Original price $19.99 - Original price $19.99
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Original price $1,129.99 - Original price $1,129.99
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LG - UltraGear 32" OLED Dual Mode (4K UHD 240HzFHD 480Hz) 0.03ms NVIDIA G-SYNC AMD Freesync Pro Gaming Monitor (HDMI DP) - White

LG

Dual Mode 4K UHD 240Hz or Full HD 480HzLG UltraGear OLED introduces the World’s First VESA Certified Dual Mode gaming monitor. This innovation allo...

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Original price $1,129.99 - Original price $1,129.99
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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.