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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.

AMD - Ryzen 7 7800X3D 8-Core - 16-Thread 4.2 GHz (5.0 GHz Max Boost) Socket AM5 Unlocked Desktop Processor - Black

AMD
Original price $456.99 - Original price $456.99
Original price
$456.99
$456.99 - $456.99
Current price $456.99

Ryzen 7 7800X3D Gaming ProcessorWith 5.0GHz processor speed which gives you efficient use of the processor high processing throughput and improved ...

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Original price $456.99 - Original price $456.99
Original price
$456.99
$456.99 - $456.99
Current price $456.99

Microsoft - Xbox Wireless Controller for Xbox Series X Xbox Series S Xbox One PCs and Cloud-Enabled Devices - Robot White

Microsoft
Original price $86.99 - Original price $86.99
Original price
$86.99
$86.99 - $86.99
Current price $86.99

Elevate your gameExperience the modernized design of the Xbox Wireless Controller in Robot White featuring sculpted surfaces and refined geometry f...

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Original price $86.99 - Original price $86.99
Original price
$86.99
$86.99 - $86.99
Current price $86.99

SteelSeries - Arctis Nova 7X Gen 2 Wireless Over-The-Ear Multi Gaming Headset for Xbox PC PS5 Switch Handheld - White

Steel Series
Original price $223.99 - Original price $223.99
Original price
$223.99
$223.99 - $223.99
Current price $223.99

REAL-TIME GAME AUDIO CONTROLPinpoint enemies with what GamingTrend calls “the biggest cheat code in the industry. 200+ game specific audio presets ...

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Original price $223.99 - Original price $223.99
Original price
$223.99
$223.99 - $223.99
Current price $223.99

SteelSeries - Arctis Nova 7P Gen 2 Wireless Over-The-Ear Multi Gaming Headset for PS4 PS5 Switch Handheld PC - White

Steel Series
Original price $223.99 - Original price $223.99
Original price
$223.99
$223.99 - $223.99
Current price $223.99

REAL-TIME GAME AUDIO CONTROLPinpoint enemies with what GamingTrend calls “the biggest cheat code in the industry. 200+ game specific audio presets ...

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Original price $223.99 - Original price $223.99
Original price
$223.99
$223.99 - $223.99
Current price $223.99

Logitech - PRO X SUPERLIGHT 2c LIGHTSPEED Lightweight Compact Wireless Optical HERO 2 Sensor 44 000 DPI Gaming Mouse - Wireless - Black

Logitech
Original price $206.99 - Original price $206.99
Original price
$206.99
$206.99 - $206.99
Current price $206.99

Designed With Pros Engineered to WinDesigned alongside the world’s best esports athletes the Logitech G PRO X SUPERLIGHT 2c compact wireless gaming...

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Original price $206.99 - Original price $206.99
Original price
$206.99
$206.99 - $206.99
Current price $206.99

SteelSeries - QcK Cloth Gaming Mouse Pad (Large) - Lavendar

Steel Series
Original price $35.99 - Original price $35.99
Original price
$35.99
$35.99 - $35.99
Current price $35.99

LEGENDARY MICRO-WOVEN CLOTHAn optimal surface for mouse precision and performance the proprietary micro-woven cloth makes the SteelSeries QcK trust...

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Original price $35.99 - Original price $35.99
Original price
$35.99
$35.99 - $35.99
Current price $35.99

NVIDIA SHIELD Android TV Pro 16GB 4K HDR Google Assistant GeForce NOW Black

Nvidia
Original price $242.99 - Original price $242.99
Original price
$242.99
$242.99 - $242.99
Current price $242.99

GeForce NOW Cloud GamingGeForce NOW instantly transforms SHIELD TV into a powerful PC gaming rig. Play over 1000+ titles and nearly 100 of the bigg...

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Original price $242.99 - Original price $242.99
Original price
$242.99
$242.99 - $242.99
Current price $242.99

SteelSeries - QcK Performance Gaming Mouse Pad XL - Speed - Black

Steel Series
Original price $59.99 - Original price $59.99
Original price
$59.99
$59.99 - $59.99
Current price $59.99

Designed For Your PlaystyleThe first collection of premium mousepads designed to match your playstyle. Speed balance and control. Friction or glide...

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

MSI - MAG B850 TOMAHAWK MAX WIFI (Socket AM5) AMD B850 ATX DDR5 Wi-Fi 7 Motherboard - Black

MSI
Original price $248.99 - Original price $248.99
Original price
$248.99
$248.99 - $248.99
Current price $248.99

Processor compatibilitySupports AMD Ryzen 9000/7000 Series Desktop Processor Socket AM5Speed (memory speed supported)4 DIMMs Dual Channel DDR5-8400...

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Original price $248.99 - Original price $248.99
Original price
$248.99
$248.99 - $248.99
Current price $248.99

SteelSeries - Rival 3 Gen 2 Wireless Optical Gaming Mouse with Utlra-fast clicks - Wireless - Lavender

Steel Series
Original price $73.99 - Original price $73.99
Original price
$73.99
$73.99 - $73.99
Current price $73.99

Dual WirelessSwitch Between Gaming-Grade 2.4Ghz Wireless Connection And Bluetooth For Other Devices.Faster Than EverNo Wires No Limits; Outpace The...

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Original price $73.99 - Original price $73.99
Original price
$73.99
$73.99 - $73.99
Current price $73.99

Microsoft - Xbox Wireless Controller for Xbox Series X Xbox Series S Xbox One PCs and Cloud-Enabled Devices - Heart Breaker Special Edition

Microsoft
Original price $94.99 - Original price $94.99
Original price
$94.99
$94.99 - $94.99
Current price $94.99

Hold nothing back with the Breaker special edition series. Heart Breaker peacocks the hardest with vibrant pinks purples and touches of bright blue...

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Original price $94.99 - Original price $94.99
Original price
$94.99
$94.99 - $94.99
Current price $94.99

TCL - 85" Class QM5K Series 4K UHD HDR QD-Mini LED Smart TV with Google TV (2025)

TCL
Original price $1,184.99 - Original price $1,184.99
Original price
$1,184.99
$1,184.99 - $1,184.99
Current price $1,184.99

QD-Mini LEDThis premium level of Mini LED TV now with the new TCL Halo Control System ensures a high-quality viewing experience.TCL Halo Control Sy...

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Original price $1,184.99 - Original price $1,184.99
Original price
$1,184.99
$1,184.99 - $1,184.99
Current price $1,184.99

SteelSeries - Arctis Nova 7 Gen 2 Wireless Over-The-Ear Multi Gaming Headset for PC PS5 Switch Handheld - Black

Steel Series
Original price $203.99 - Original price $203.99
Original price
$203.99
$203.99 - $203.99
Current price $203.99

REAL-TIME GAME AUDIO CONTROLPinpoint enemies with what GamingTrend calls “the biggest cheat code in the industry. 200+ game specific audio presets ...

View full details
Original price $203.99 - Original price $203.99
Original price
$203.99
$203.99 - $203.99
Current price $203.99

Microsoft - Xbox Wireless Controller for Xbox Series X Xbox Series S Xbox One PCs and Cloud-Enabled Devices - Ice Breaker Special Edition

Microsoft
Original price $103.99 - Original price $103.99
Original price
$103.99
$103.99 - $103.99
Current price $103.99

Hold nothing back with the Breaker special edition series. Ice Breaker keeps it forever fresh with a mix of iced and frosted blues.Stay elegantly o...

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Original price $103.99 - Original price $103.99
Original price
$103.99
$103.99 - $103.99
Current price $103.99

Samsung - T7 Shield 2TB External USB 3.2 Gen 2 Rugged SSD IP65 Water Resistant - Beige

Samsung
Original price $675.99 - Original price $675.99
Original price
$675.99
$675.99 - $675.99
Current price $675.99

Rugged durabilityTough fast and compact. The all new rugged PSSD T7 Shield is built to endure with the space to create thanks to an IP65 rating for...

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Original price $675.99 - Original price $675.99
Original price
$675.99
$675.99 - $675.99
Current price $675.99

A501 ROG PELTA/BLKASUS ROG Pelta Wireless Gaming Headset BT ROG SpeedNova 2.4GHz USBC Lightweight 309g 50mm ROG TitaniumPlated Drivers 10mm SuperWideband Mic RGB 70HR Battery For PC Switch PS5 Black

ASUS
Original price $145.99 - Original price $145.99
Original price
$145.99
$145.99 - $145.99
Current price $145.99

A501 ROG PELTA/BLKASUS ROG Pelta Wireless Gaming Headset BT ROG SpeedNova 2.4GHz USBC Lightweight 309g 50mm ROG TitaniumPlated Drivers 10mm SuperWi...

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Original price $145.99 - Original price $145.99
Original price
$145.99
$145.99 - $145.99
Current price $145.99

ASUS - DUAL NVIDIA GeForce RTX 5050 OC Edition 8GB GDDR7 PCI Express 5.0 Graphics Card - Black

ASUS
Original price $318.99 - Original price $318.99
Original price
$318.99
$318.99 - $318.99
Current price $318.99

AI Performance433 AI TOPS.Powered ByNVIDIA Blackwell architecture and DLSS 4.SFF-ReadyEnthusiast GeForce card.Axial-Tech FansFeature a smaller fan ...

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Original price $318.99 - Original price $318.99
Original price
$318.99
$318.99 - $318.99
Current price $318.99

ASUS - Vivobook 16 16" FHD+ Laptop - AMD Ryzen 7 with 16GB Memory - 1TB SSD - Indie Black

ASUS
Original price $912.99 - Original price $912.99
Original price
$912.99
$912.99 - $912.99
Current price $912.99

Windows 11 Home operating systemWindows 11 Home OS smartly manages your hardware and runs routine applications efficiently.16" DisplayAnti-glare Sc...

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Original price $912.99 - Original price $912.99
Original price
$912.99
$912.99 - $912.99
Current price $912.99

Microsoft - Xbox Wireless Controller for Xbox Series X Xbox Series S Xbox One PCs and Cloud-Enabled Devices - Pulse Red

Microsoft
Original price $92.99 - Original price $92.99
Original price
$92.99
$92.99 - $92.99
Current price $92.99

Elevate your gameExperience the modernized design of the Xbox Wireless Controller in Pulse Red featuring sculpted surfaces and refined geometry for...

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Original price $92.99 - Original price $92.99
Original price
$92.99
$92.99 - $92.99
Current price $92.99

Microsoft - Xbox Wireless Controller for Xbox Series X Xbox Series S Xbox One PCs and Cloud-Enabled Devices - Deep Pink

Microsoft
Original price $92.99 - Original price $92.99
Original price
$92.99
$92.99 - $92.99
Current price $92.99

Elevate your gameExperience the modernized design of the Xbox Wireless Controller in Deep Pink featuring sculpted surfaces and refined geometry for...

View full details
Original price $92.99 - Original price $92.99
Original price
$92.99
$92.99 - $92.99
Current price $92.99

ASUS - ROG Strix Scope II 96 Full Size Wireless Mechanical Gaming Keyboard with Hot-Swappable ROG NX Snow Switches - Black

ASUS
Original price $197.99 - Original price $197.99
Original price
$197.99
$197.99 - $197.99
Current price $197.99

Mechanical KeyswitchNo more wearing out Mechanical key switch offers a longer lifespan and higher stability for nonstop gamers and typersSmart Wire...

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Original price $197.99 - Original price $197.99
Original price
$197.99
$197.99 - $197.99
Current price $197.99

LG - 43 Class UA77 Series LED AI 4K UHD Smart webOS TV (2025)

LG
Original price $294.99 - Original price $294.99
Original price
$294.99
$294.99 - $294.99
Current price $294.99

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 $294.99 - Original price $294.99
Original price
$294.99
$294.99 - $294.99
Current price $294.99

Samsung QM43C QMC Series - 43" Class (42.5" viewable) LED-backlit LCD display - 4K - for digital signage

Samsung
Original price $808.99 - Original price $808.99
Original price
$808.99
$808.99 - $808.99
Current price $808.99

Samsung QM43C - 43" Diagonal Class (42.5" viewable) - QMC Series LED-backlit LCD display - digital signage - Tizen OS - 4K UHD (2160p) 3840 x 2160

Original price $808.99 - Original price $808.99
Original price
$808.99
$808.99 - $808.99
Current price $808.99

Samsung - Odyssey G30D 27" LED AMD FreeSync Premium 180Hz 1ms Gaming Monitor (DisplayPort HDMI) - Black

Samsung
Original price $290.99 - Original price $290.99
Original price
$290.99
$290.99 - $290.99
Current price $290.99

180Hz Refresh Rate 1ms Response Time (MPRT)Speed through scenes. 180Hz refresh rate eliminates lag for exhilarating gameplay with ultrasmooth acti...

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Original price $290.99 - Original price $290.99
Original price
$290.99
$290.99 - $290.99
Current price $290.99

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.