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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 $2,995.99 - Original price $2,995.99
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HP OMEN - 35L Gaming Desktop - Intel Core i7-14700F - 32GB Memory - NVIDIA GeForce RTX 5080 - 1TB SSD - Shadow Black

HP

Intel Core i7-14700F processorIntel’s performance hybrid architecture optimizes your gaming content creation and productivity.Windows 11 Home opera...

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Original price $888.99 - Original price $888.99
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TCL - 32" R84 Series 4K UHD HDR QD-Mini LED Gaming Monitor - Black and White

TCL

32 Gaming Monitor with 4K UHD (3840x2160) ResolutionCrisp and clear visuals with lifelike detail on a large 32¿ screen—perfect for gaming streaming...

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Original price $888.99 - Original price $888.99
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Original price $1,748.99 - Original price $1,748.99
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HP - OmniBook X 16" 2K OLED Touch-Screen Laptop - Intel Core Ultra 7 - 32GB DDR5 Memory - NVIDIA GeForce RTX 4050 - 2TB SSD - Meteor 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 $281.99 - Original price $281.99
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ViewSonic - 31.5" VA LED Curved 180Hz 1-ms FreeSync (AMD Adaptive Sync) Monitor (HDMI) - Black

ViewSonic

Immersive experienceCompletely immerse yourself with the 32" curved panel which is designed for comfort productivity and styleAdvanced gaming exper...

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Original price $281.99 - Original price $281.99
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Original price $90.99 - Original price $90.99
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Edifier - G1500 2.0 Bluetooth Gaming Speakers with RGB Lighting (2-Piece) - Black

Edifier

RGB the lighting of faithRGB colorful straps cyclically breath-stylish flashing for the dynamic expedition of championship. Wake the soul of esport...

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Original price $90.99 - Original price $90.99
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Original price $2,032.99 - Original price $2,032.99
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HP OMEN - Transcend 14" 120Hz 3K OLED Gaming Laptop - Intel Core Ultra 7-255H - 32GB Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Shadow Black

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 $2,032.99 - Original price $2,032.99
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Original price $248.99 - Original price $248.99
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Fractal Design - North XL Charcoal Black Chassis with Walnut Front and Dark Tinted G Side Panel Mid-Tower PC Case - Black

Fractal Design

Enhance the look of your gaming station with sleek wood and alloy detailsDesigned for E-ATX / ATX / mATX / mITX motherboardsEnjoy natural ventilati...

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Original price $248.99 - Original price $248.99
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Original price $1,537.99 - Original price $1,537.99
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ASUS - ROG GM700 Gaming Desktop - AMD Ryzen 7 8700F - 32GB Memory - NVIDIA GeForce RTX 5060Ti 16GB - 1TB SSD - Black

ASUS

Game and Create With Windows 11 HomeUnlock your potential with Windows 11 Home designed for gaming multitasking and productivity. With an intuitive...

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Original price $303.99 - Original price $303.99
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MSI - NVIDIA GeForce RTX 5050 8G SHADOW 2X OC 8GB GDDR6 PCI Express Gen 5 Graphics Card - Black

MSI

Graphics Processing Unit (GPU)/Clock SpeedPowered by the NVIDIA GeForce RTX 5050 graphics processing unit (GPU) with boost clock.8GB GDDR68GB GDDR6...

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Original price $303.99 - Original price $303.99
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Original price $148.99 - Original price $148.99
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MSI - PRO MP275W E2 27" FHD 120Hz 1ms Adaptive Sync Monitor with HDR ready Built-in Speakers (DisplayPort HDMI ) - Matte White

MSI

27“ FHD (1920 x 1080)View your applications spreadsheets and more on this stunning 27 FHD (1920 x 1080) screen. Experience vibrant visuals and clar...

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Original price $222.99 - Original price $222.99
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RIG - 900 MAX HX Dual Wireless Gaming Headset w/Dolby AtmosBluetooth Base Station for XboxPlayStationNintendo Switch PC - Black

RIG

Dual-Mode WirelessBuilt for Xbox and compatible with PlayStation PC and Nintendo Switch the RIG 900 MAX HX is for gamers seeking a wireless headset...

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Glorious - Model D 2 Wired Optical RGB Gaming Mouse with 6 Programmable Buttons - Wired - Matte White

Glorious

Size stylePaired with its ergonomic shape the Model D 2’s low weight makes aiming feel effortlessly quick and precise with less risk of fatigue du...

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Original price $86.99 - Original price $86.99
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Apple - iPad mini (A17 Pro chip) - Built for Apple Intelligence - Wi-Fi 256GB - 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 $292.99 - Original price $292.99
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ViewSonic - VG2748a 27" IPS LED FHD Monitor (DisplayPort HDMI VGA) - Black

ViewSonic

27" IPS LED monitorThe efficient screen type uses LEDs to provide precise backlighting to pixels.Two 2W speakersFeature stereo sound for a complete...

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Original price $292.99 - Original price $292.99
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Original price $418.99 - Original price $418.99
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Samsung - 34 Odyssey G5 1000R Curved 1ms 165Hz QHD FreeSync Prem Gaming Monitor - Black

Samsung

Optimal curve. True immersion.Vivid scenes wrap around you. The all-encompassing 1000R display fills every part of your peripheral vision and draws...

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Original price $418.99 - Original price $418.99
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Original price $33.99 - Original price $33.99
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Logitech - M190 Wireless Optical Ambidextrous Mouse - Wireless - Charcoal

Logitech

Cordless comfortThe mouse is crafted with a contoured ergonomic shape that follows the natural curve of larger hands and guides fingers into ideal ...

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Original price $33.99 - Original price $33.99
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Original price $2,392.99 - Original price $2,392.99
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ASUS - ROG Strix G16 (2025) 16" Nebula 2.5K 240Hz Gaming Laptop- Intel Core Ultra 9 275HX- 32GB DDR5- GeForce RTX 5070- 2TB SSD - Eclipse Gray

ASUS

Advanced Windows 11 ProGame create and boost your productivity—Windows 11 Pro is the place for it all. With advanced features powerful tools to enh...

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Original price $198.99 - Original price $198.99
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Acer - Nitro KGB271U 27" WQHD IPS Up to 200Hz 0.5ms FreeSync Premium Gaming Monitor with HDR10 (DisplayPort HDMI) - Black

Acer

Quality VisualsThe KGB271U 27" IPS monitor with 2560 x 1440 WQHD resolution in a 169 aspect ratio presents stunning high quality images with excell...

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Original price $198.99 - Original price $198.99
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Original price $524.99 - Original price $524.99
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XREAL - ONE AR Glasses w/ X1 Chip 147" FHD 120Hz Display w/ Sound By Bose for iPhone 16/15 Steam ROG Ally Mac/PC/Android/iOS - Black

XREAL

XREAL X1 ChipXREAL self-developed spatial computing chip. The X1 chip pushes performance to the limit in a compact design delivering a major upgrad...

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Original price $524.99 - Original price $524.99
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Original price $571.99 - Original price $571.99
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Acer - Predator X27U 27" WQHD QD-OLED 280Hz 0.03ms FreeSync Premium Pro Gaming Monitor with HDR400 (DisplayPort HDMI) - Black

Acer

OLED Makes All The DifferenceEver seen an QD-OLED in action They go above and beyond colors so vivid that you might just question reality. The add...

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Original price $571.99 - Original price $571.99
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Ultra PRO - 1/2" Lip Semi-Rigid Card Holders (200 count) for Standard Size Cards

Ultra Pro

Semi-Rigid tall sleeves are the ideal protection choice for graded card submissions.Thin sturdy and made from clear PVC.Holds cards up to 2-1/2" x ...

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Original price $51.99 - Original price $51.99
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Logitech - G840 Cloth Gaming Mouse Pad with Rubber Base (Extra Large) - Black

Logitech

Extra large mouse padConsistent height across your desktop lets you to position your gaming keyboard however you like without it getting in the way...

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Original price $56.99 - Original price $56.99
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Original price $1,012.99 - Original price $1,012.99
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LG - UltraGear 27" OLED QHD 240Hz 0.03ms FreeSync and NVIDIA G-SYNC Compatible Gaming Monitor with HDR400 - Black

LG

Up to 240Hz 0.03ms For Outrageously Fast OLED GamingGear up for smooth gameplay with an ultra-fast 240Hz OLED display. The faster speed lets you r...

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Original price $1,012.99 - Original price $1,012.99
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Original price $620.99 - Original price $620.99
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ViewSonic - TD2760 27" LED FHD Touch Screen Monitor (HDMI VGA) - Black

ViewSonic

Full HD 1920 x 1080 resolutionHigh resolutions that deliver a solid gaming or video experience without undue strain on your graphics card.12 ms res...

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Original price $620.99 - Original price $620.99
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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.