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Buy Now Pay Later Gaming Hardware

Gamers, does your current setup lack processing power and pizazz? Level up your gaming setup with a little help from Finance My Cart and Terrace Finance. Pay over time to outfit your battlestation to the highest standard your neon pulsating heart desires! Lease-to-own curved monitors, gaming laptops, gaming desktop computers with all the bells and whistles, glowing keyboards, gaming speakers, headsets, microphones, gaming consoles, and more. Shop amazing gaming brands like Alienware, Razer, Microsoft, Logitec, MSI, Nintendo, Playstation, and more. Then check out with Terrace Finance to be matched with an affordable pay-over-time program from their network. And shipping is free!

  • Original price $416.99 - Original price $416.99
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    Samsung - B series 5.1ch DTS VirtualX Soundbar w/Bass Boost - Black

    Samsung

    Dolby Digital 5.1 / DTS VirtualXDolby Digital 5.1 and DTS VirtualX create realistic multi directional sound that draws you into the action.Built in...

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    PowerA - XP-ULTRA Wireless Controller for Xbox Series XS - XP-ULTRA

    PowerA

    Ideal for Game Pass UltimateThe XP-ULTRA is the first licensed wireless controller for Xbox Series XS and Xbox One. This versatile controller also ...

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  • Original price $876.99 - Original price $876.99
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    Samsung - Ultra slim 3.1.2ch Wireless Dolby ATMOS Soundbar w/ 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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    PDP - Victrix Pro BFG Wireless Controller for Xbox Series XS Xbox One and Windows 10/11 PC - Black

    PDP

    Wireless ConnectivityPlay wirelessly on console using the USB dongle connect via Bluetooth to compatible devices or use the included cable to plug ...

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  • Original price $761.99 - Original price $761.99
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    MSI Claw A1M-052US - handheld game console - 512 GB SSD - black

    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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    CyberPowerPC - Gamer Supreme Gaming Desktop - AMD Ryzen 7 8700G - 64GB Memory - NVIDIA GeForce RTX 4070 SUPER 12GB - 2TB SSD - Black

    CyberPowerPC

    Windows 11 operating systemBrings back the Start menu from Windows 7 and introduces new features such as the Edge web browser that lets you mark up...

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    Samsung - 85 Class Q60D Series QLED 4K Smart Tizen TV

    Samsung

    Dual LEDGet a natural realistic picture and accurate contrast that adapts automatically to match your content with our innovative backlight technol...

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    LG UltraGear 39" OLED Curved WQHD 240Hz 0.03ms FreeSync and NVIDIA G-SYNC Compatible Gaming Monitor with HDR400 - Black

    LG

    Get Into The Action Like Never BeforeWith a large 39 display 219 aspect ratio and a dramatic curved OLED screen you’ll feel like you’re actually in...

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    LG UltraGear 45" OLED Curved WQHD 240Hz 0.03ms FreeSync and NVIDIA G-SYNC Compatible Gaming Monitor with HDR400 - Black

    LG

    45" OLED is BIGGER than 49" OLEDGamers crave more screen space. And at the 45" with a 219 aspect ratio you actually get more screen area than a 49"...

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    Original price $1,843.99 - Original price $1,843.99
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  • Original price $217.99 - Original price $217.99
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    PDP - Victrix Pro BFG Wireless Controller for Xbox Series XS Xbox One and Windows 10/11 PC - White

    PDP

    Wireless ConnectivityPlay wirelessly on console using the USB dongle connect via Bluetooth to compatible devices or use the included cable to plug ...

    View full details
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  • Original price $147.99 - Original price $147.99
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    Razer - Aether Monitor RGB LED Light Bar - Black

    Razer

    Front-and-Back Dual Lighting for both work lighting and gaming immersionEquipped with angle-adjustable front facing white LEDs and back facing RGB ...

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    Original price $147.99 - Original price $147.99
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  • Original price $1,070.99 - Original price $1,070.99
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    HP - Envy 2-in-1 14" Full HD Touch-Screen Laptop - Intel Core 7 - 16GB Memory - 512GB SSD - Natural Silver

    HP

    Get a fresh perspective with Windows 11From a rejuvenated Start menu to new ways to connect to your favorite people news games and content—Windows ...

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    Original price $1,070.99 - Original price $1,070.99
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    Dell - XPS 14 14.5 3.2K OLED Touch Laptop Intel Core Ultra 7 Evo Edition - 32GB Memory Intel Arc Graphics - ITB SSD - Platinum

    Dell

    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 $164.99 - Original price $164.99
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    LG - 25" LED FHD 100Hz Monitor - Black

    LG

    Full HD Resolution on an IPS DisplayAt 1920x1080 resolution LG's Full HD IPS monitors feature vibrant color and visual clarity even at wide viewing...

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    Original price $164.99 - Original price $164.99
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  • Original price $210.99 - Original price $210.99
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    LG - 27" LED FHD 100Hz Monitor - Black

    LG

    Full HD Resolution on an IPS DisplayAt 1920x1080 resolution LG's Full HD IPS monitors feature vibrant color and visual clarity even at wide viewing...

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  • Original price $318.99 - Original price $318.99
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    ASUS - 14" Chromebook Laptop - MediaTek 8186 - 4GB Memory - 64GB eMMC - Gravity Gray

    ASUS

    Google Chrome OSChromebook is a computer for the way the modern world works with thousands of apps built-in virus protection and cloud backups. It ...

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    Original price $318.99 - Original price $318.99
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  • Original price $1,370.99 - Original price $1,370.99
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    Samsung - 70 Class Q60D Series QLED 4K Smart Tizen TV

    Samsung

    Dual LEDGet a natural realistic picture and accurate contrast that adapts automatically to match your content with our innovative backlight technol...

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    Original price $1,370.99 - Original price $1,370.99
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  • Original price $209.99 - Original price $209.99
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    HP - 23.8" IPS LED FHD Monitor with Adjustable Height (HDMI VGA) - Silver Black

    HP

    Life-like color. Deeper detail.Upgrade your everyday with a vibrant 23.8" FHD monitor. Enjoy all you see as it was meant to be seen with enhanced 9...

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  • Original price $1,837.99 - Original price $1,837.99
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    Dell - XPS 16 16.3 FHD+ Laptop Intel Core Ultra 7 Evo Edition - 16GB Memory NVIDIA GeForce RTX 4050 - 1TB SSD - Platinum

    Dell

    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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    ASUS - Vivobook Pro 15 OLED Laptop - Intel Evo Edition - NVIDIA RTX3050 6GB with 16GB Memory - 1TB SSD - Earl Gray

    ASUS

    Windows 11 Operating SystemWindows 11 has all the power and security of Windows 10 with a redesigned and refreshed look. It also comes with new too...

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  • Original price $181.99 - Original price $181.99
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    SteelSeries Alias - microphone

    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 $181.99 - Original price $181.99
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    HP OMEN - 25L Gaming Desktop - Intel Core i7-14700F - 32GB DDR5 Memory - NVIDIA GeForce RTX 4060 Ti - 2TB SSD - Snow White

    HP

    Get a fresh perspective with Windows 11From a rejuvenated Start menu to new ways to connect to your favorite people news games and content—Windows ...

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    HP OMEN - 25L Gaming Desktop - Intel Core i5-14400F - 32GB DDR5 Memory - NVIDIA GeForce RTX 4060 - 1TB SSD - Snow White

    HP

    Get a fresh perspective with Windows 11From a rejuvenated Start menu to new ways to connect to your favorite people news games and content—Windows ...

    View full details
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  • Original price $1,891.99 - Original price $1,891.99
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    Lenovo - Legion 7i 16" Gaming Laptop WQXGA - Intel 14th Gen Core i7 with 16GB Memory - NVIDIA GeForce RTX 4060 8GB - 1TB SSD - Glacier White

    Lenovo

    Windows 11 operating systemWindows 11 brings back the Start Menu from Windows 7 and introduces new features like the Edge Web browser that lets you...

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    Original price $1,891.99 - Original price $1,891.99
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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.