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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 $2,371.99 - Original price $2,371.99
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iBUYPOWER - Slate MESH Gaming Desktop PC - AMD Ryzen 9 9900X NVIDIA GeForce RTX 5070Ti 16GB 32GB DDR5 RGB2TB NVMe - Black

iBuyPower

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

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Original price $2,371.99 - Original price $2,371.99
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Original price $1,370.99 - Original price $1,370.99
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HP OMEN - 16" 2K 144Hz Gaming Laptop - AMD Ryzen 9 8940HX 2025 - 32GB DDR5 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 $1,370.99 - Original price $1,370.99
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Original price $2,789.00
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Current price $2,659.99
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TCL - 85" Class QM8K Series 4K UHD HDR QD-Mini LED Smart TV with Google TV (2025)

TCL

QD-Mini LEDThis premium level Mini LED TV now with the New TCL Halo Control System ensures a stunning viewing experience.TCL Halo Control SystemAn ...

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Original price $2,789.00
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Current price $2,659.99
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Original price $2,283.99 - Original price $2,283.99
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HP OMEN - MAX 16" WQXGA 240Hz Gaming Laptop - AMD Ryzen AI 9 HX 375 2024 - 32GB Memory - NVIDIA GeForce RTX 5070 Ti - 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 $2,283.99 - Original price $2,283.99
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Original price $1,198.99 - Original price $1,198.99
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HP OMEN - 35L Gaming Desktop - AMD Ryzen 5 8400F - 16GB DDR5 Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Panda Metal

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 $485.99 - Original price $485.99
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Moza Racing - R5 Direct Drive Sim Racing Bundle with 5.5Nm of force for PC - Black

Moza

ImportantThe hardware platform is PC. Not compatible with Xbox. Operating system Windows 7 or newer.Complete Sim Racing SystemWheel base racing whe...

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Original price $485.99 - Original price $485.99
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Original price $1,255.99 - Original price $1,255.99
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HP OMEN - 16" 2K 144Hz Gaming Laptop - Intel Core Ultra 7 255H w/ AI Boost 2025 - 16GB 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 $1,255.99 - Original price $1,255.99
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Original price $474.99 - Original price $474.99
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Xbox Series S 512GB All-Digital Console (Disc-Free Gaming) with Xbox Wireless Controller - 120FPS - Xbox Series S

Microsoft

Dive into every mission open world game match and more with speeds up to 120 FPS with the best value in gaming.Quick Resume Seamlessly switch betwe...

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Original price $474.99 - Original price $474.99
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Lenovo - LOQ 15.6" Full HD Gaming Laptop - Intel Core i5-13450HX 2023 - 16GB Memory - NVIDIA GeForce RTX 5050 - 512GB SSD - Luna Grey

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 $1,215.99 - Original price $1,215.99
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Original price $107.99 - Original price $107.99
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WD - P10 2TB External USB 3.2 Gen 1 Portable Hard Drive - Black

Western Digital

Leave No Game Behind with the WD_BLACK P10 Game DrivePlay games from wherever you are with the portable WD_BLACK P10 Game Drive. This premium exter...

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Original price $107.99 - Original price $107.99
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Original price $777.99 - Original price $777.99
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HP - 15.6" Full HD Touch-Screen Laptop - Intel Core i7 1355U 2023 - 16GB Memory - 512GB SSD - Natural 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 $777.99 - Original price $777.99
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Original price $326.99 - Original price $326.99
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Acer - Chromebook 315 - 15.6" Full HD Laptop - Intel Celeron N4500 - 4GB LPDDR4X - 64GB eMMC - Protective Sleeve Silver - Sparkly Silver

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 $476.99 - Original price $476.99
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HP - 15.6" Chromebook Laptop - Intel Processor N200 2023 - 8GB Memory - 64GB eMMC - Natural Silver

HP

Runs ChromeOSThe fast secure operating system from Google with built-in Google apps like Gmail Gemini Docs Photos youtube and more so you can go fr...

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Original price $127.99 - Original price $127.99
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Razer - BlackWidow V3 Hyperspeed Phantom Edition 65 Mini Wireless Mechanical Gaming Keyboard with Chroma RGB Backlighting - Black

Razer

65 Form FactorIdeal for minimalist or smaller setups where desk space is a premium this compact build retains its arrow keys for better functionali...

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ViewSonic - VA2447-MH 24" LCD FHD Adaptive Syn Monitor (HDMI VGA) - Black

ViewSonic

Full HD23.8in screen size with 1920 x 1080 resolution provides a native display of Full HD video sources without any degradation due to down-sampli...

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Original price $134.99 - Original price $134.99
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PowerA - OPS v3 Pro Wireless Controller for PC and Cloud Gaming with Lumectra - Black

PowerA

Tactile Mechanical Buttons - Enhance your gaming with quick response mechanical buttons on the ABXY D-PAD and LB/RB buttons.Quick-Twist Adjustable ...

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Original price $83.99 - Original price $83.99
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Original price $531.99 - Original price $531.99
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Xbox Series S 1TB All-Digital Console (Disc-Free Gaming) - Xbox Series S

Microsoft

Play more wait lessMake the most of every gaming minute with Quick Resume lightning-fast load times and gameplay of up to 120 FPS—all powered by Xb...

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Original price $531.99 - Original price $531.99
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SteelSeries - Arctis GameBuds True Wireless Noise Cancelling Gaming Earbuds for PS5 PS4 PC Switch - Black

Steel Series

Quick-Switch WirelessHigh-speed 2.4GHz wireless for PS5/PC/Switch and more or switch to Bluetooth 5.3 for mobile.Active Noise Cancellation4-mic hyb...

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Original price $178.99 - Original price $178.99
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ViewSonic - VA3209M 32" IPS LED FHD Monitor (HDMI VGA) - Black

ViewSonic

Full HD31.5in screen size with 1920 x 1080 resolution provides a native display of Full HD video sources without any degradation due to down-sampli...

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Original price $181.99 - Original price $181.99
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ViewSonic - VX2718-PC-MHD 27" LCD Curved FHD Adaptive Sync Gaming Monitor (DisplayPort and HDMI) - Black

ViewSonic

Full HD27in screen size with 1920 x 1080 resolution provides a native display of Full HD video sources without any degradation due to down-sampling...

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Original price $198.99 - Original price $198.99
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Original price $699.99 - Original price $699.99
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HP - Victus 15.6" 144Hz Full HD Gaming Laptop - Intel Core i5 - 8GB Memory - NVIDIA GeForce RTX 3050 - 512GB SSD - Mica 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 $699.99 - Original price $699.99
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Original price $500.99 - Original price $500.99
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CORSAIR Vengeance RGB - DDR5 - kit - 32 GB 2 x 16 GB - DIMM 288-pin - 7200 MHz / PC5-57600 - unbuffered

Corsair

Welcome to the cutting-edge of performancePush the limits of your system like never before with CORSAIR DDR5 memory unlocking even faster frequenci...

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Original price $500.99 - Original price $500.99
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Original price $843.99 - Original price $843.99
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CORSAIR - VENGEANCE 64GB (2x32GB) DDR5 5200MHz C40 UDIMM Desktop Memory - Black

Corsair

Welcome to the Cutting-Edge of PerformancePush the limits of your system like never before with DDR5 memory unlocking even faster frequencies great...

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Original price $843.99 - Original price $843.99
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Original price $523.99 - Original price $523.99
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LG - gram +view 17 IPS WQXGA 60Hz Portable Monitor (USB Type-C mini-HDMI port) - Titan Silver

LG

Expand Your ViewElevate your productivity with the 17" LG gram +view Portable Monitor—a versatile second screen that lets you expand your vierw acc...

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Original price $523.99 - Original price $523.99
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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.