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Headphones & Mics

Rent To Own Headphones & Mics – Premium Audio with Flexible Financing

Get top-quality sound and crystal-clear voice with the latest headphones and microphones from Finance My Cart. Whether you're into gaming, music, or podcasts, we offer a variety of options from trusted brands like Sony, Bose, Beats, Sennheiser, and more. With our rent-to-own and lease-to-own payment plans, you can enjoy premium audio gear without the large upfront cost. Get flexible financing with affordable monthly payments and free shipping, so you can start enjoying your new setup right away!

Original price $166.99 - Original price $166.99
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$166.99
$166.99 - $166.99
Current price $166.99

Apple - AirPods 4 - White

Apple

REBUILT FOR COMFORT—AirPods 4 have been redesigned for exceptional all-day comfort and greater stability. With a refined contour shorter stem and q...

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Original price $166.99 - Original price $166.99
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$166.99
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Current price $166.99
Original price $224.99 - Original price $224.99
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$224.99
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Current price $224.99

Apple - AirPods 4 with Active Noise Cancellation - White

Apple

REBUILT FOR COMFORT—AirPods 4 have been redesigned for exceptional all-day comfort and greater stability. With a refined contour shorter stem and q...

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Original price $224.99 - Original price $224.99
Original price
$224.99
$224.99 - $224.99
Current price $224.99
Original price $242.99 - Original price $242.99
Original price
$242.99
$242.99 - $242.99
Current price $242.99

Samsung - Galaxy Buds3 Pro Wireless Earbud Headphones - White

Samsung

Redesigned with the best sound in mindListen in long-lasting comfort with an improved shape that delivers a snugt fit. Enjoy a completely new immer...

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Original price $242.99 - Original price $242.99
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$242.99
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Current price $242.99
Original price $218.99 - Original price $218.99
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$218.99
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Current price $218.99

Beats Studio Pro - headphones with mic

Apple

Experience immersive listening with Beats’ most powerful custom acoustic platformSound that surrounds you with Personalized Spatial Audio and dynam...

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Original price $218.99 - Original price $218.99
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$218.99
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Current price $218.99
Original price $93.99 - Original price $93.99
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$93.99
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Current price $93.99

Soundcore - by Anker AeroFit 2 Open-Ear Headphones with Adjustable Ear Hooks - Black

Soundcore

All-Day ComfortExperience unrivaled breathability and comfort with our open-ear headphones. Boast a non-intrusive design with air conduction techno...

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Original price $93.99 - Original price $93.99
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$93.99
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Current price $93.99
Original price $131.99 - Original price $131.99
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$131.99
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Current price $131.99

Soundcore - by Anker AeroClip Open-Ear Clip-On Earbud Headphones - Black

Soundcore

Adaptive Ultra-ComfortDesigned to relieve in-ear discomfort soundcore AeroClip open-ear clip-on earbuds let you enjoy music pressure-free for every...

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Original price $131.99 - Original price $131.99
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$131.99
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Current price $131.99
Original price $100.99 - Original price $100.99
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$100.99
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Current price $100.99

Turtle Beach - Stealth 500 Wireless Over-Ear Gaming Headset for PC PS5 PS4 Mobile - Black

Turtle Beach

Step up to Wireless FreedomPlay your favorite games on PC PS5 PS4 mobile devices with low-latency 2.4GHz wireless and Bluetooth 5.2 connectivity....

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Original price $100.99 - Original price $100.99
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$100.99
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Current price $100.99
Original price $359.99 - Original price $359.99
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$359.99
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Current price $359.99

Sony - WH-1000XM6- Best Wireless Noise Canceling Headphones - Midnight Blue

Sony

The Best Noise CancellationPowered by advanced processors and an adaptive microphone system the WH-1000XM6 headphones deliver real-time noise cance...

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Original price $359.99 - Original price $359.99
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$359.99
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Current price $359.99
Original price $354.99 - Original price $354.99
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$354.99
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Current price $354.99

Bose - QuietComfort Wireless Noise Cancelling Over-the-Ear Bluetooth Headphones - White Smoke

Bose

Take over the tempo.Chin up shoulders back music blasting. Press play and take charge of the music with Bose QuietComfort noise cancelling headphon...

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Original price $354.99 - Original price $354.99
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$354.99
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Current price $354.99
Original price $354.99 - Original price $354.99
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$354.99
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Current price $354.99

Bose - QuietComfort Wireless Noise Cancelling Over-the-Ear Bluetooth Headphones - Moonlight Gray

Bose

Take over the tempo.Chin up shoulders back music blasting. Press play and take charge of the music with Bose QuietComfort noise cancelling headphon...

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Original price $354.99 - Original price $354.99
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$354.99
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Current price $354.99
Original price $310.99 - Original price $310.99
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$310.99
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Current price $310.99

Bose - Ultra Open-Ear True Wireless Open Earbuds - Desert Gold

Bose

Open your ears to the worldNow with smoother ear-to-ear syncing and a more refined experience when not playing content. Hear all of what’s around y...

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Original price $310.99 - Original price $310.99
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$310.99
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Current price $310.99
Original price $185.99 - Original price $185.99
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$185.99
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Current price $185.99

MB Quart - Premium 6-1/2" 2-Way Car Speakers with Aerated Paper Cones (Pair) - Black

MB Quart

Handles up to 110W max power (55W nominal)Provides rich sound.Aerated paper woofer cone with mica blendImproves sensitivity while reducing distorti...

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Original price $185.99 - Original price $185.99
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$185.99
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Current price $185.99
Original price $300.99 - Original price $300.99
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$300.99
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Current price $300.99

Beats - Studio Pro - Wireless Noise Cancelling Over-the-Ear Headphones - Navy

Apple

Experience immersive listening with Beats’ most powerful custom acoustic platformSound that surrounds you with Personalized Spatial Audio and dynam...

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Original price $300.99 - Original price $300.99
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$300.99
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Current price $300.99
Original price $67.99 - Original price $67.99
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$67.99
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Current price $67.99

CORSAIR - HS55 SURROUND v2 Wired Gaming Headset for PC Mac PS5 PS4 Xbox Switch and Mobile - Carbon

Corsair

Dolby Atmos Spatial Audio on PCThe included USB adapter unlocks the incredibly immersive Dolby Atmos audio experience putting the sounds of the gam...

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Original price $67.99 - Original price $67.99
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$67.99
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Current price $67.99
Original price $242.99 - Original price $242.99
Original price
$242.99
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Current price $242.99

Samsung - Galaxy Buds3 Pro Wireless Earbud Headphones - Silver

Samsung

Redesigned with the best sound in mindListen in long-lasting comfort with an improved shape that delivers a snugt fit. Enjoy a completely new immer...

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Original price $242.99 - Original price $242.99
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$242.99
$242.99 - $242.99
Current price $242.99
Original price $190.99 - Original price $190.99
Original price
$190.99
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Current price $190.99

Beats Solo 4 True Wireless On-Ear Headphones - Cloud Pink

Beats

Custom acoustic architecture and updated drivers for powerful Beats sound.Personalized Spatial Audio with dynamic head tracking.Ultralight ergonomi...

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

Beats Solo 4 True Wireless On-Ear Headphones - Slate Blue

Beats

Custom acoustic architecture and updated drivers for powerful Beats sound.Personalized Spatial Audio with dynamic head tracking.Ultralight ergonomi...

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Original price $190.99 - Original price $190.99
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$190.99
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Current price $190.99
Original price $211.99 - Original price $211.99
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$211.99
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Current price $211.99

MB Quart - Premium 6" x 9" 2-Way Car Speakers with Aerated Paper Cones (Pair) - Black

MB Quart

Handles up to 110W max power (55W nominal)Provides rich sound.Aerated paper woofer cone with mica blendImproves sensitivity while reducing distorti...

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Original price $211.99 - Original price $211.99
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$211.99
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Current price $211.99
Original price $348.99 - Original price $348.99
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$348.99
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Current price $348.99

SteelSeries - Arctis Nova Pro Wireless Multi Gaming Headset for PC PS5 PS4 Switch - Black

Steel Series

Worn By ChampionsFaker Rain and James Baldwin wear the Arctis Nova Pro Wireless when earning the biggest wins of their lifetimes. Join them.Active ...

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Original price $348.99 - Original price $348.99
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$348.99
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Current price $348.99
Original price $155.99 - Original price $155.99
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$155.99
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Sony - WHCH720N Wireless Noise Canceling Headphones - Pink

Sony

Headphones that let you fully immerse yourself in the musicDual Noise Sensor Technology and an Integrated Processor V1 takes noise cancelling to th...

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Original price $155.99 - Original price $155.99
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$155.99
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Original price $299.99 - Original price $299.99
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$299.99
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Current price $299.99

Owl Labs - Expansion Mic - Charcoal

Owl Lab

Extended Audio RangeExtends the audio pick-up range of the Meeting Owl 3 from 18ft to 26ft in the direction of the mic to ensure that the Meeting O...

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Original price $299.99 - Original price $299.99
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$299.99
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Current price $299.99
Original price $111.99 - Original price $111.99
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$111.99
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Current price $111.99

Shokz - OpenRun Wireless Bone Conduction Open-Ear Bluetooth Endurance Headphones (USB-Charging) - Black

Shokz

Open-ear designThe Shokz signature open-ear design is powered by patented bone conduction technology. The design allows you to stay open to your s...

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Original price $111.99 - Original price $111.99
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$111.99
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Current price $111.99
Original price $153.99 - Original price $153.99
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$153.99
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Current price $153.99

Shokz - OpenRun Pro 2 Wireless Bone Conduction Open-Ear Bluetooth Sports Headphones - Sky Blue

Shokz

Dual Driver for Groundbreaking Audio ImprovementOpenRun Pro 2 redefines open-ear audio with DualPitch technology blending bone conduction for clear...

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Original price $153.99 - Original price $153.99
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$153.99
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Current price $153.99
Original price $159.99 - Original price $159.99
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$159.99
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Current price $159.99

Shokz - OpenRun Pro 2 Wireless Bone Conduction Open-Ear Bluetooth Sports Headphones - Orange

Shokz

Dual Driver for Groundbreaking Audio ImprovementOpenRun Pro 2 redefines open-ear audio with DualPitch technology blending bone conduction for clear...

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Original price $159.99 - Original price $159.99
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$159.99
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Current price $159.99
Original price $275.99 - Original price $275.99
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$275.99
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Current price $275.99

Sennheiser - MOMENTUM 4 Wireless Adaptive Noise-Canceling Over-The-Ear Headphones - Teal

Sennheiser

Maximum audio resolution with Sennheiser Signature SoundEnjoy premium music quality all-day long thanks to the headphone's audiophile-inspired 42 m...

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Original price $275.99 - Original price $275.99
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$275.99
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Current price $275.99
Original price $114.99 - Original price $114.99
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$114.99
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Current price $114.99

Shokz - OpenRun Mini Wireless Bone Conduction Open-Ear Bluetooth Endurance Headphones - Blue

Shokz

Open-ear designThe Shokz signature open-ear design is powered by patented bone conduction technology. The design allows you to stay open to your s...

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Original price $114.99 - Original price $114.99
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$114.99
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Current price $114.99
Original price $429.99 - Original price $429.99
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$429.99
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Current price $429.99

Sennheiser - HDB 630 Closed-back Wireless Headphones - Black

Sennheiser

Audiophile tuningSennheiser’s in-house 42 mm transducer and refined acoustic design deliver a neutral audiophile sound with lifelike mids stunning ...

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Original price $429.99 - Original price $429.99
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$429.99
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Current price $429.99
Original price $161.99 - Original price $161.99
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$161.99
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Current price $161.99

Shokz - OpenRun Pro 2 Mini Wireless Bone Conduction Open-Ear Bluetooth Sports Headphones - Orange

Shokz

Dual Driver for Groundbreaking Audio ImprovementOpenRun Pro 2 redefines open-ear audio with DualPitch technology blending bone conduction for clear...

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Original price $161.99 - Original price $161.99
Original price
$161.99
$161.99 - $161.99
Current price $161.99
Original price $151.99 - Original price $151.99
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$151.99
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Current price $151.99

Shokz - OpenSwim Pro Bone Conduction Sports Headphone - Red

Shokz

IP68 Waterproof Rating Adventure-ReadyTransition from water ventures to rugged terrains with OpenSwim Pro's IP68 waterproof rating. Integrated tech...

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Original price $151.99 - Original price $151.99
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$151.99
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Current price $151.99
Original price $325.99 - Original price $325.99
Original price
$325.99
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Current price $325.99

Shure - MV7+ USB-C/XLR Dynamic Podcast Microphone Bundle with Desktop Stand - Black

Shure

Dual USB/XLR outputs for digital or analog recordingHighly directional dynamic element with proven Voice Isolation TechnologyCustomizable LED touch...

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Original price $325.99 - Original price $325.99
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$325.99
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Current price $325.99
Original price $273.99 - Original price $273.99
Original price
$273.99
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Current price $273.99

Denon - PerL Pro True Wireless Adaptive Active Noise Cancelling In-Ear Earbuds - White

Denon

Personalized SoundPerL Pro creates a sound profile for audio that is perfectly tuned to you. Masimo AAT measures your ear's otoacoustic emissions t...

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Original price $273.99 - Original price $273.99
Original price
$273.99
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Current price $273.99
Original price $214.99 - Original price $214.99
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$214.99
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Current price $214.99

Sennheiser - ACCENTUM Plus Wireless Bluetooth Headphones Adaptive Hybrid ANC Smart Adaptive Features - Black

Sennheiser

Ultra-Fast ChargingJust 10 minutes of charging provides 5 hours of playtime to efficiently get back to outstanding on-the-go audio.50-Hour Battery ...

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Original price $214.99 - Original price $214.99
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$214.99
$214.99 - $214.99
Current price $214.99
Original price $208.99 - Original price $208.99
Original price
$208.99
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Current price $208.99

Bose - QuietComfort True Wireless Noise Cancelling In-Ear Earbuds - Petal Pink

Bose

Sound without compromise.Make the everyday sound epic with iconic sound and renowned noise cancellation with up to 8.5 hours 185; of go-with-the-fl...

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Original price $208.99 - Original price $208.99
Original price
$208.99
$208.99 - $208.99
Current price $208.99
Original price $1,508.99 - Original price $1,508.99
Original price
$1,508.99
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Current price $1,508.99

Bose - A30 Bluetooth Noise Cancelling Over-the-Ear Aviation Headset with Dual Plug - Black

Bose

Premium comfortThe Bose A30 is a full-sized circumaural aviation headset with a lightweight design and 20 lower clamping force than the A20.Active ...

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Original price $1,508.99 - Original price $1,508.99
Original price
$1,508.99
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Current price $1,508.99
Original price $1,278.99 - Original price $1,278.99
Original price
$1,278.99
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Current price $1,278.99

Bose - ProFlight Series 2 Bluetooth Noise-Cancelling In-Ear Aviation Headset with Dual Plug - Black

Bose

Proflight Series 2 includes a thinner lighter and more flexible cable updated tap control for talk-through communication and an easily adjustable m...

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Original price $1,278.99 - Original price $1,278.99
Original price
$1,278.99
$1,278.99 - $1,278.99
Current price $1,278.99
Original price $71.99 - Original price $71.99
Original price
$71.99
$71.99 - $71.99
Current price $71.99

Shokz - OpenMove Bone Conduction Open Ear Lifestyle/Sport Headphones - Gray

Aftershokz

Entry-Level PriceNew to the world of open-ear listening OpenMove headphones offer a great introduction to all Shokz patented bone conduction techno...

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Original price $71.99 - Original price $71.99
Original price
$71.99
$71.99 - $71.99
Current price $71.99

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.