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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 $187.99 - Original price $187.99
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$187.99
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Current price $187.99

Seagate - Game Drive for PlayStation Consoles 5TB External USB 3.2 Gen 1 Portable Hard Drive with Blue LED Lighting - White

Seagate

Build your game vault5TB of capacity means no more sacrificing deleting or redownloading games.Totally portableLightweight design makes it easy to ...

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Original price $187.99 - Original price $187.99
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$187.99
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Current price $187.99
Original price $819.99 - Original price $819.99
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Current price $819.99

Samsung - HW-S801D 3.1.2 Channel Q-Series Ultra Slim Soundbar with Wireless Subwoofer Dolby Atmos and Q-Symphony - White

Samsung

Ultra Slim DesignOur unbelievably sleek low profile soundbar delivers high quality audio in a super slim package.Q SymphonyPair a Samsung TV with a...

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Original price $819.99 - Original price $819.99
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$819.99
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Current price $819.99
Original price $153.99 - Original price $153.99
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$153.99
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Current price $153.99

SteelSeries - Arctis Nova 5 Wireless Gaming Headset for PC PS5 and PS4 - Black

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 App.60-Ho...

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Original price $153.99 - Original price $153.99
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Current price $153.99
Original price $38.99 - Original price $38.99
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$38.99
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Current price $38.99

ZAGG - Glass Fusion XTR3 Screen Protector for Samsung Galaxy S24 - Clear

Zagg Incorporated

Engineered to Be UnbreakableFusion XTR3’s flexible hybrid polymer feels just like glass and is engineered to be unbreakable.Hexiom impact technolog...

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Original price $38.99 - Original price $38.99
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Original price $89.99 - Original price $89.99
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$89.99
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Current price $89.99

Razer - Barracuda X 2022 Edition Wireless Over-the-Ear Gaming Headset for PC Mac Playstation Switch Steam Deck Mobile - Black

Razer

Razer¿SmartSwitch Dual WirelessFor greater convenience the headset can instantly switch between high-speed 2.4GHz¿or¿Bluetooth¿mode for seamless au...

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Original price $89.99 - Original price $89.99
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$89.99
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Current price $89.99
Original price $59.99 - Original price $59.99
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Current price $59.99

Razer - BlackShark V2 X Wired Over-the-Ear Gaming Headset for PC PS5 PS4 Switch Xbox XS and Xbox One - White

Razer

Razer TriForce 50mm DriversOur new cutting-edge proprietary design divides the driver into 3 parts for the individual tuning of highs mids and lows...

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Original price $59.99 - Original price $59.99
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Original price $117.99 - Original price $117.99
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$117.99
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Current price $117.99

Razer - Barracuda X 2022 Edition Wireless Over-the-Ear Gaming Headset for PC Mac Playstation Switch Steam Deck Mobile - Quartz

Razer

Razer¿SmartSwitch Dual WirelessFor greater convenience the headset can instantly switch between high-speed 2.4GHz¿or¿Bluetooth¿mode for seamless au...

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Original price $117.99 - Original price $117.99
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$117.99
$117.99 - $117.99
Current price $117.99
Original price $60.99 - Original price $60.99
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$60.99
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Current price $60.99

Razer - BlackShark V2 X Wired Over-the-Ear Gaming Headset for PC PS5 PS4 Switch Xbox XS and Xbox One - Quartz

Razer

Razer TriForce 50mm Drivers for high-end audio performanceOur new cutting-edge proprietary design divides the driver into 3 parts for the individua...

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Original price $60.99 - Original price $60.99
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$60.99
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Current price $60.99
Original price $575.99 - Original price $575.99
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ASUS - Vivobook Go 15" Laptop FHD - Ryzen 5 with 8GB RAM - 512GB SSD - Mixed Black

ASUS

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 $575.99 - Original price $575.99
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Original price $460.99 - Original price $460.99
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LG - UltraWide 34" VA Curved WQHD 100Hz Monitor with HDR 10 (HDMI DisplayPort USB-C) - Black

LG

More Space for Multi-TaskingThe 219 UltraWide WQHD (3440 x 1440) monitor is great for work. The widescreen allows you to see everything you're work...

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Original price $460.99 - Original price $460.99
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Original price $354.99 - Original price $354.99
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ViewSonic - VG1656-2K 16 IPS LCD WQXGA Portable Monitor (USB-C) - Black

ViewSonic

Viewable screen size and panel type16in screen size with LED backlight that enhances the display performance to deliver an outstanding color range ...

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Original price $354.99 - Original price $354.99
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Original price $80.99 - Original price $80.99
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$80.99
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Sony Interactive Entertainment - DualSense Wireless Controller for PS5 PC Mac Mobile - Cosmic Red

Sony

Feel your in-game actions and environment simulated through haptic feedbackChat online through the built-in microphone and connect a headset direct...

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Original price $80.99 - Original price $80.99
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Original price $80.99 - Original price $80.99
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Sony Interactive Entertainment - DualSense Wireless Controller for PS5 PC Mac Mobile - Midnight Black

Sony

Feel your in-game actions and environment simulated through haptic feedbackChat online through the built-in microphone and connect a headset direct...

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Original price $80.99 - Original price $80.99
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Original price $140.99 - Original price $140.99
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j5create - 4K60 Elite USB-C Triple-Monitor 10Gbps Mini Dock - Space Gray

J5 Create

11-in-1 FunctionsAll the connections you need for maximum productivity.E-Mark chipAdvanced USB-C E-Mark chip integrates USB4 Thunderbolt 3 and Thun...

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Original price $140.99 - Original price $140.99
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Original price $206.99 - Original price $206.99
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SteelSeries - Alias USB Microphone - Black

Steel Series

DESIGNED FOR GAMERSMic for gaming broadcasting and podcasting level up your stream with Alias and free audio software3X BIGGER CAPSULECapture a wid...

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Original price $206.99 - Original price $206.99
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Original price $416.99 - Original price $416.99
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Samsung - HW-S60D 5.0 Channel S-Series All-in-one Soundbar Dolby Atmos and Q-Symphony - Black

Samsung

All In One DesignUnlock audio all around you with this compact soundbar’s powerful 5 channel sound with built in woofers.Q SymphonyPair a Samsung T...

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Original price $416.99 - Original price $416.99
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Original price $107.99 - Original price $107.99
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$107.99
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Seagate - Game Drive for PlayStation Consoles 2TB External USB 3.2 Gen 1 Portable Hard Drive with Blue LED Lighting - White

Seagate

Build your game vault2TB of capacity means no more sacrificing deleting or redownloading games.Totally portableLightweight design makes it easy to ...

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Original price $107.99 - Original price $107.99
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$107.99
$107.99 - $107.99
Current price $107.99
Original price $74.99 - Original price $74.99
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$74.99
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Current price $74.99

ZAGG - Glass Fusion XTR3 Screen Protector for Samsung Galaxy S24 ultra - Clear

Zagg Incorporated

Engineered to Be UnbreakableFusion XTR3’s flexible hybrid polymer feels just like glass and is engineered to be unbreakable.Hexiom impact technolog...

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Original price $74.99 - Original price $74.99
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$74.99
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Current price $74.99
Original price $334.99 - Original price $334.99
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NETGEAR - Wi-Fi 7 Router Nighthawk BE9300 Tri-band Router - Black

NETGEAR

BE9300 Tri-band WiFi 7 routerBlazing-fast Wi-Fi 7 speeds up to 9.3Gbps for smooth gaming streaming videoconferencing and entertainment.Supports the...

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Original price $334.99 - Original price $334.99
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Original price $896.99 - Original price $896.99
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Lenovo ThinkCentre M75q Gen 2 - tiny Ryzen 5 Pro 5650GE 3.4 GHz - 16 GB - SSD 256 GB - US

Lenovo

Operating systemWindows 11 ProRyzen 5 PRO 5650GEEnjoy high application performance and smoother gaming experiences with AMD Ryzen 5 Pro processors ...

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Original price $896.99 - Original price $896.99
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Original price $685.99 - Original price $685.99
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Claw A1M 7" 120Hz FHD 1080P Gaming Handheld-Intel core CU7 155H-Intel Arc-16GB-1TBSSD - Windows

MSI

Windows 11 HomeWindows 11 has all the power and security of Windows 10 with a redesigned and refreshed look. It also comes with new tools sounds an...

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Original price $685.99 - Original price $685.99
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$685.99
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Original price $258.99 - Original price $258.99
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$258.99
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Current price $258.99

ASUS - ROG STRIX B650-A GAMING WIFI (Socket AM5) AMD B650 ATX DDR5 Wi-Fi 6E Motherboard - White

ASUS

AMD Socket AM5(LGA 1718)Ready for AMD Ryzen 7000 Series desktop processors.Robust Power Solution12 + 2 power stages with 8 + 4 pin ProCool power co...

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Original price $258.99 - Original price $258.99
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Original price $359.99 - Original price $359.99
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Current price $359.99

Logitech - Astro A50 X LIGHTSPEED Wireless w/ PLAYSYNC Over-the-Ear Gaming Headset + Base Station for Xbox Series XS PS5 PC/MAC - Black

Logitech

PRO-G GRAPHENE audio driversGroundbreaking clarity and response for precise audio separation location and timing accuracy (40 mm diameter).24-hours...

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Original price $359.99 - Original price $359.99
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Original price $194.99 - Original price $194.99
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$194.99
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Current price $194.99

Logitech - PRO X TKL RAPID Wired Hall-Effect Gaming Keyboard with Magnetic Analog Switch and Customizable RGB Lighting for PC - Black

Logitech

Tournament-Grade Responsiveness and PrecisionThe PRO X TKL RAPID Wired Gaming Keyboard features magnetic analog (Hall-Effect) switches Rapid Trigge...

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Original price $194.99 - Original price $194.99
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$194.99
$194.99 - $194.99
Current price $194.99

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.