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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 $785.99 - Original price $785.99
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HP - OmniBook 5 - Copilot+ PC - 14" 2K OLED Touch-Screen Laptop - Snapdragon X Plus 2025 - 16GB Memory - 512GB SSD - Glacier Silver

HP

Up to 34 hours battery life Feel free to leave your charger at home. The incredible 34-hour battery life lasts as long as your weekend trip so you...

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Original price $666.99 - Original price $666.99
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LG - 75 Class UA7000 Series LED AI 4K UHD Smart webOS TV (2025)

LG

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 $1,279.99 - Original price $1,279.99
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Legion Go 2 - 8.8" 144Hz 2K OLED Gaming Handheld - AMD Ryzen Z2 - 16GB - 1TB - Windows

Lenovo

Detachable Legion TrueStrike controllersSwitch between handheld tabletop console or FPS mode with mouse-like accuracy and customizable inputs.AMD R...

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Original price $234.99 - Original price $234.99
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SteelSeries - Arctis Nova 7P Gen 2 Wireless Over-The-Ear Multi Gaming Headset for PS4 PS5 Switch Handheld PC - Magneta

Steel Series

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 $703.99 - Original price $703.99
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HP - 17.3" Full HD Laptop - Intel Core i7 1355U 2023 - 16GB Memory - 1TB SSD - Natural Silver

HP

17.3-in FHD display with IPSSee the details of every frame when you're enjoying the vibrant Full HD resolution and 178-degree wide-viewing angles o...

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Original price $284.99 - Original price $284.99
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Razer - BlackShark V3 Pro ANC Wireless Over-the-Ear Gaming Headset for PlayStation PC Mac Nintendo Switch Smartphone - Black

Razer

Razer HyperSpeed Wireless Gen-2Outpace all competition with a fast wireless technology optimized for ultra-low latency as low as 10 ms delivering n...

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Original price $165.99 - Original price $165.99
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BenQ - GW2790 27" IPS LED 1080p Monitor FHD 100Hz Ultra-Slim Bezel with Brightness Intelligence (HDMI/DP) - Black

BenQ

100Hz Refresh rateReacts more quickly to changes resulting in a smoother user experience.Color modesCoding Mode and ePaper Mode ensure effortless r...

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Original price $1,185.99 - Original price $1,185.99
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HP - OmniBook X Flip 2-in-1 - Copilot+ PC - 14" 2K Touch-Screen Laptop - Intel Core Ultra 7 256V 2024 - 16GB Memory - 1TB SSD - Atmospheric Blue

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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HP OMEN - MAX 16" 240Hz Gaming Laptop - Intel Core Ultra 9 275HX 2025 - 32GB Memory - NVIDIA GeForce RTX 5080 - 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 $197.99 - Original price $197.99
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Elgato - Key Light - Black

Corsair

Studio LED panel with 2500-lumen outputProvides quality lighting for clear image for your viewers and subscribers.80 premium LEDsEnsure extra-brigh...

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Microsoft Xbox Series S - game console - 512 GB SSD - robot white

Microsoft

Microsoft Xbox Series S - Game console - QHD - HDR - 512 GB SSD - robot white

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CORSAIR Vengeance - DDR5 - module - 16 GB - SO-DIMM 262-pin - 2800 MHz / PC5-48000

Corsair

CORSAIR Vengeance - DDR5 - module - 16 GB - SO-DIMM 262-pin - 2800 MHz / PC5-48000 - CL48 - 1.1 V

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Legion Go S 8" 120Hz Gaming Handheld - AMD Ryzen Z2 Go - SteamOS - 16GB with 512GB SSD - Steam

Lenovo

Lenovo PureSight Gaming DisplayThe 8" Lenovo PureSight Display offers a larger ultra-vibrant screen space for immersive gaming. A 120Hz refresh rat...

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ASUS - V500 Desktop - Intel Core i5 - 16GB Memory - 1TB SSD - Dark Gray

ASUS

Windows 11 HomeExperience a streamlined modern interface with Windows 11 designed to enhance productivity creativity and connectivity.Powerful 13th...

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Samsung - 27" Odyssey OLED G8 (G81SF) 4K UHD 240Hz 0.03ms AMD FreeSync Premium Pro Glare Free HDR 400 Gaming Monitor - Silver

Samsung

OLED in 4KExplore worlds with unparalleled clarity. This OLED screen delivers crystal-clear 4K quality on a 27" display with an incredible pixel de...

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HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Pale Rose Gold

HP

Windows 11 Home in S ModeExperience the most secure Windows ever built. With fast boot times increased responsiveness and added protection against ...

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NETGEAR - Orbi 870 Series BE21000 Tri-Band Mesh Wi-Fi 7 System (3-pack) - White

NETGEAR

BE21000 tri-band mesh Wi-Fi router and satellitesOrbi 870 Series with Wi-Fi 7 unleashes speeds up to 21 Gbps for unparalleled performance and mesh ...

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WD - BLACK SN7100 1TB Internal SSD Gen 4 x4 NVMe

Western Digital

High-octane gaming SSDExperience an exhilarating boost you can see and feel with level-conquering speeds up to 7250MB/s read and 6900MB/s write (1-...

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CyberPowerPC - Gaming Desktop - Intel Core i5-14400F - NVIDIA GeForce RTX 5060 8GB - 16GB DDR5 - 1TB PCIe 4.0 SSD - Black

CyberPowerPC

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

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Legion Go S 8" 120Hz Gaming Handheld - AMD Ryzen Z1 Extreme - SteamOS - 32GB with 1TB SSD - Steam

Lenovo

Lenovo PureSight Gaming DisplayThe 8" Lenovo PureSight Display offers a larger ultra-vibrant screen space for immersive gaming. A 120Hz refresh rat...

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Original price $1,049.99 - Original price $1,049.99
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Original price $291.99 - Original price $291.99
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TP-Link - Archer BE9700 Tri-Band Wi-Fi 7 Router - Black

TP Link

9.7 Gbps Wi-Fi 7 SpeedsEnhanced with 6 GHz and 320 MHz ultra-wide channels BE9700 offers impressive speeds of up to 5765 Mbps on the 6 GHz band 288...

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Elden Ring Nightreign - Xbox Series X

BANDAI NAMCO Entertainment

Rise togetherJoin forces with other players to take on the creeping night and the dangers within featuring 3-player co-op.Become a heroTake command...

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Original price $126.99 - Original price $126.99
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AMD - Ryzen 5 5500 6-Core - 12 Thread 3.6 GHz (4.2 GHz Max Boost) Socket AM4 Unlocked Desktop Processor - Black

AMD

Precision Boost 2AMD Ryzen processors monitor the system's energy consumption temperatures and other factors to automatically raise clock speeds al...

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Original price $126.99 - Original price $126.99
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Original price $2,408.99 - Original price $2,408.99
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MSI - Aegis R2 AI Gaming Desktop - Intel Ultra 7 265 - 32GB Memory - NVIDIA GeForce RTX 5070Ti - 2TB SSD - Black

MSI

Windows 11 operating systemEquipped with brand new Windows 11 with all its new featuresIntel Ultra 7 265 processorThe Intel Ultra 7 265 processor o...

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Original price $2,408.99 - Original price $2,408.99
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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.