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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.

Turtle Beach - Rematch Core Wired Gaming Controller for Xbox Series XS Xbox One Windows 10/11 PC - Ghost Black Camo/Green

Turtle Beach
Original price $42.99 - Original price $42.99
Original price
$42.99
$42.99 - $42.99
Current price $42.99

Patented Audio ControlsAdjust your audio on-the-fly with D-pad controls for game/chat volume mix and master volume plus a dedicated mic mute functi...

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Original price $42.99 - Original price $42.99
Original price
$42.99
$42.99 - $42.99
Current price $42.99

TP-Link - Archer TBE3600U Dual-Band BE3600 3.6 Gbps Wi-Fi 7 Wireless Ultra-Fast USB 3.0 Adapter with Advanced WPA3 Security - Gray

TP Link
Original price $81.99 - Original price $81.99
Original price
$81.99
$81.99 - $81.99
Current price $81.99

3.6 Gbps Dual Band Wi-Fi 7Ultra-fast speeds up to 2882 Mbps (5 GHz) + 688 Mbps (2.4 GHz)Ultimate performance with WiFi 7 technologyArcher TBE3600U ...

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Original price $81.99 - Original price $81.99
Original price
$81.99
$81.99 - $81.99
Current price $81.99

Mega Man Star Force Legacy Collection - PlayStation 5

Capcom
Original price $60.99 - Original price $60.99
Original price
$60.99
$60.99 - $60.99
Current price $60.99

Art and audio archivesBrowse over 1000 pieces of official artwork including rare concept illustrations. You can also rock out to music from all thr...

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

HP - 14" Laptop - Intel N150 Processor - 4GB Memory - 128GB UFS - Sky Blue

HP
Original price $315.99 - Original price $315.99
Original price
$315.99
$315.99 - $315.99
Current price $315.99

14-in HD displayWatch videos and create colorful presentations in excellent high-definition quality rendered with 1 million pixels. The anti-glare ...

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Original price $315.99 - Original price $315.99
Original price
$315.99
$315.99 - $315.99
Current price $315.99

Razer - Viper V3 Pro SE Gaming Mouse - Wireless - Black

Razer
Original price $123.99 - Original price $123.99
Original price
$123.99
$123.99 - $123.99
Current price $123.99

54 g Ultra-Lightweight DesignDesigned in collaboration with world-class esports pros the Viper V3 Pro SE’s perfectly balanced ultra-lightweight des...

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Original price $123.99 - Original price $123.99
Original price
$123.99
$123.99 - $123.99
Current price $123.99

Apple - Studio Display - Standard glass - Tilt-adjustable stand - Silver

Apple
Original price $1,808.99 - Original price $1,808.99
Original price
$1,808.99
$1,808.99 - $1,808.99
Current price $1,808.99

WITH FLYING COLORS—14.7 million pixels 600 nits of brightness support for one billion colors and P3 wide color make everything spring to life with ...

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Original price $1,808.99 - Original price $1,808.99
Original price
$1,808.99
$1,808.99 - $1,808.99
Current price $1,808.99

MSI - NVIDIA GeForce RTX 5060 8G VENTUS 2X OC 8GB GDDR7 PCI Express Gen 5 Graphics Card - Black

MSI
Original price $421.99 - Original price $421.99
Original price
$421.99
$421.99 - $421.99
Current price $421.99

Graphics Processing Unit (GPU)/Clock SpeedPowered by the NVIDIA GeForce RTX 5060 graphics processing unit (GPU) with boost clock.8GB GDDR78GB GDDR7...

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Original price $421.99 - Original price $421.99
Original price
$421.99
$421.99 - $421.99
Current price $421.99

ASUS - ProArt GoPro Edition 13" 3K OLED 2-in-1 Touch Screen Laptop - Copilot+ PC - AMD Ryzen AI Max+ 395 - 128GB RAM - 1TB SSD - Nano Black

ASUS
Original price $3,354.99 - Original price $3,354.99
Original price
$3,354.99
$3,354.99 - $3,354.99
Current price $3,354.99

Create Faster on a Windows 11 Pro Copilot+ PCCopilot+ on Windows 11 Pro brings AI into your creative flow. Quickly find clips get smart summaries a...

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Original price $3,354.99 - Original price $3,354.99
Original price
$3,354.99
$3,354.99 - $3,354.99
Current price $3,354.99

Crucial - X10 Pro 1TB USB-C External SSD - Black

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

Raw performance. Real power.With read and write speeds up to 2100/2000MB/s the Crucial X10 Pro Portable SSD is powerful enough for editing directly...

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

Logitech - PRO X TKL LIGHTSPEED Wireless Mechanical Tactile Switch Gaming Keyboard with LIGHTSYNC RGB for PC - Black

Logitech
Original price $190.99 - Original price $190.99
Original price
$190.99
$190.99 - $190.99
Current price $190.99

Designed with pros engineered to winPRO X TKL gaming keyboard is the next gen of the trusted tenkeyless PRO keyboard; it's been refined to eliminat...

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Original price $190.99 - Original price $190.99
Original price
$190.99
$190.99 - $190.99
Current price $190.99

HyperX - Origins 2 Pro 65 Wired Magnetic Linear Switch Gaming Keyboard with RGB Back Lighting - Black

HyperX
Original price $178.99 - Original price $178.99
Original price
$178.99
$178.99 - $178.99
Current price $178.99

Magnetic MotionMagnetic linear switches reduce friction for smoother inputs and faster reactions. Each keystroke delivers a premium feel and cleane...

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Original price $178.99 - Original price $178.99
Original price
$178.99
$178.99 - $178.99
Current price $178.99

LEGO - Minecraft The Pale Garden Building Toy 21586

Lego
Original price $36.99 - Original price $36.99
Original price
$36.99
$36.99 - $36.99
Current price $36.99

Minecraft Toy For KidsDelight young gaming fans with The Pale Garden (21586) LEGO Minecraft building toy for boys and girls ages 7 years old and up...

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Original price $36.99 - Original price $36.99
Original price
$36.99
$36.99 - $36.99
Current price $36.99

OhSnap - MCON Travel Soft Shell Carrying Case for MCON Bluetooth Controller - Black

OhSnap
Original price $40.99 - Original price $40.99
Original price
$40.99
$40.99 - $40.99
Current price $40.99

Soft CaseReliable protection for your MCON with a magnetic closure.

Original price $40.99 - Original price $40.99
Original price
$40.99
$40.99 - $40.99
Current price $40.99

Nex - Playground Travel Case - Gray

Nex
Original price $42.99 - Original price $42.99
Original price
$42.99
$42.99 - $42.99
Current price $42.99

Bring the Fun to Parties Playdates and MoreThe good times don't have to stay at home. Pack up Nex Playground for family get-togethers or friend-fue...

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Original price $42.99 - Original price $42.99
Original price
$42.99
$42.99 - $42.99
Current price $42.99

Xbox Series S 512GB All-Digital Console (Disc-Free Gaming) with Xbox Wireless Controller - 120FPS - Xbox Series S

Microsoft
Original price $474.99 - Original price $474.99
Original price
$474.99
$474.99 - $474.99
Current price $474.99

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
Original price
$474.99
$474.99 - $474.99
Current price $474.99

Fallout 4 Anniversary Edition - Nintendo Switch 2

Microsoft
Original price $82.99 - Original price $82.99
Original price
$82.99
$82.99 - $82.99
Current price $82.99

Fallout 4 Anniversary Edition brings the complete post-nuclear epic together in one definitive package.Includes the full base game and the 6 offici...

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Original price $82.99 - Original price $82.99
Original price
$82.99
$82.99 - $82.99
Current price $82.99

ASUS - ROG Swift 27" Dual Mode (2K 540Hz FHD 720Hz) OLED 0.02ms Gaming Monitor with FreeSync Premium Pro and HDR - Silver

ASUS
Original price $1,212.99 - Original price $1,212.99
Original price
$1,212.99
$1,212.99 - $1,212.99
Current price $1,212.99

27-inch QHD OLED Gaming MonitorVersatile dual mode (QHD at 540Hz or HD at 720Hz) and 0.02ms response timeNew Tandem OLED Technology15 higher peak b...

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Original price $1,212.99 - Original price $1,212.99
Original price
$1,212.99
$1,212.99 - $1,212.99
Current price $1,212.99

Denon - AVR-S670H (75W X 5) 5.2-Ch. with HEOS 8K Ultra HD and HDR Compatible AV Home Theater Receiver with Alexa - Black

Denon
Original price $701.99 - Original price $701.99
Original price
$701.99
$701.99 - $701.99
Current price $701.99

Elevated Home EntertainmentThe Denon AVR-S670H 5.2 Receiver supports 8K/60Hz 4K/120 pass-through for pristine video quality. With Dolby TrueHD Dol...

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Original price $701.99 - Original price $701.99
Original price
$701.99
$701.99 - $701.99
Current price $701.99

Xenoblade Chronicles X Definitive Edition - Nintendo Switch 2

Nintendo
Original price $88.99 - Original price $88.99
Original price
$88.99
$88.99 - $88.99
Current price $88.99

Explore the vast and mysterious planet Mira now with the additional content from the Definitive Edition and enhanced visuals for the Nintendo Switc...

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Original price $88.99 - Original price $88.99
Original price
$88.99
$88.99 - $88.99
Current price $88.99

Samsung - Galaxy S26+ 256GB - Cobalt Violet (Verizon)

Samsung
Original price $1,280.99 - Original price $1,280.99
Original price
$1,280.99
$1,280.99 - $1,280.99
Current price $1,280.99

Fast. Powerful. AI-ready.Reimagine what’s possible with Galaxy S26 Series featuring our most powerful processor yet. Effortlessly stay connected wi...

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Original price $1,280.99 - Original price $1,280.99
Original price
$1,280.99
$1,280.99 - $1,280.99
Current price $1,280.99

Super Mega Baseball 4 Standard Edition - Xbox Series X Xbox One

Electronic Arts
Original price $37.99 - Original price $37.99
Original price
$37.99
$37.99 - $37.99
Current price $37.99

Baseball legendsOver 200 former pro baseball players like Vladimir Guerrero Johnny Damon Ozzie Smith and Jason Giambi are getting Super Mega-fied i...

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Original price $37.99 - Original price $37.99
Original price
$37.99
$37.99 - $37.99
Current price $37.99

Hori - Vault Case for Nintendo Switch - Peach

Hori
Original price $32.99 - Original price $32.99
Original price
$32.99
$32.99 - $32.99
Current price $32.99

DurablePremium hard shell carrying caseDesign-forwardHigh-quality full color artwork inside outMulti-fitWorks with all Nintendo Switch modelsExtra...

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Original price $32.99 - Original price $32.99
Original price
$32.99
$32.99 - $32.99
Current price $32.99

Samsung - 34 ViewFinity S5 Ultrawide QHD 100Hz AMD FreeSync Monitor with HDR10 (DisplayPort HDMI) - Black

Samsung
Original price $265.99 - Original price $265.99
Original price
$265.99
$265.99 - $265.99
Current price $265.99

219 Ultra-WQHDSee more than before. Whether working on a project or enjoying a movie during downtime see every detail on the wider display featurin...

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Original price $265.99 - Original price $265.99
Original price
$265.99
$265.99 - $265.99
Current price $265.99

Vankyo - Leisure 470 Pro Native 1080P Wireless Single LCD Mini Projector - White

Vankyo
Original price $158.99 - Original price $158.99
Original price
$158.99
$158.99 - $158.99
Current price $158.99

Built In Cooling SystemThe projector's advanced cooling system is designed to operate silently while efficiently managing heat for extended use.170...

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Original price $158.99 - Original price $158.99
Original price
$158.99
$158.99 - $158.99
Current price $158.99

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.