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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 $94.99 - Original price $94.99
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$94.99
$94.99 - $94.99
Current price $94.99

Poly EncorePro HW520 - headset

Plantronics

Poly EncorePro HW520 - 500 Series - headset - on-ear - wired - Quick Disconnect - black - Certified for Skype for Business

Original price $94.99 - Original price $94.99
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$94.99
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Current price $94.99
Original price $425.99 - Original price $425.99
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$425.99
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Current price $425.99

Bose - QuietComfort Ultra Wireless Noise Cancelling Over-the-Ear Headphones - Lunar Blue

Bose

Personalized sound with Bose Immersive AudioGet next-level sound with the QuietComfort Ultra wireless headphones. Featuring innovative spatial audi...

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Original price $425.99 - Original price $425.99
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$425.99
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Current price $425.99
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 Mini Bone Conduction Sports Headphones - Black

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 $65.99 - Original price $65.99
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$65.99
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Current price $65.99

Sony - WFC510 Truly Wireless Earbuds - Blue

Sony

Compact. Lightweight. Comfortable.Light and compact to give you all-day comfort and designed for the ideal fit for an exceptional all-round listeni...

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Original price $65.99 - Original price $65.99
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$65.99
$65.99 - $65.99
Current price $65.99
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 Bone Conduction Sports Headphones - Black

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
$153.99 - $153.99
Current price $153.99
Original price $61.99 - Original price $61.99
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$61.99
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Current price $61.99

JVC - In-Ear True Wireless Noise Canceling Headphones - Black

JVC

Active Noise CancellingImproved noise cancelling performance with wind noise reduction and newly designed earpiecesLow LatencyTurn on the low laten...

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Original price $61.99 - Original price $61.99
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$61.99
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Current price $61.99
Original price $181.99 - Original price $181.99
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$181.99
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Current price $181.99

Samsung - Galaxy Buds3 Wireless Earbud Headphones - Silver

Samsung

All new open-type designStay aware of your surroundings while listening from work to play with Galaxy Buds3 brand-new open-type fit without ear tip...

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Original price $181.99 - Original price $181.99
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$181.99
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Current price $181.99
Original price $244.99 - Original price $244.99
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$244.99
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Current price $244.99

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 $244.99 - Original price $244.99
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$244.99
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Current price $244.99
Original price $199.99 - Original price $199.99
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$199.99
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Current price $199.99

Razer - Kraken V4 Wireless Gaming Headset with 9 Zone Chroma RGB For PC Mac PS5 Nintendo Switch Steam Deck Smartphone - Black

Razer

Unleash the limits of immersion with the Razer Kraken V4—a wireless gaming headset powered by Razer ChromaRGB. Supercharged with 3 modes of connect...

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Original price $199.99 - Original price $199.99
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$199.99
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Current price $199.99
Original price $61.99 - Original price $61.99
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$61.99
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Current price $61.99

Soundcore - by Anker P40i Noise Canceling True Wireless Earbud Headphones - Black

Soundcore

Smart Noise Cancellingsoundcore P40i noise cancelling earbuds feature adaptive ANC that automatically detects ambient noise and utilizes advanced a...

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Original price $61.99 - Original price $61.99
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$61.99
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Current price $61.99
Original price $84.99 - Original price $84.99
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$84.99
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Current price $84.99

Beats - Solo Buds True Wireless Earbuds - Matte Black

Apple

Custom acoustic architecture for big Beats sound with full range and clarity.The smallest case we’ve ever made making these powerful earbuds the pe...

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Original price $84.99 - Original price $84.99
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$84.99
$84.99 - $84.99
Current price $84.99
Original price $275.99 - Original price $275.99
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$275.99
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Current price $275.99

Sennheiser - MOMENTUM True Wireless 4 Earbuds - Black

Sennheiser

Sennheiser’s signature soundDelivers exceptional artist-intended sound fidelity ensuring every detail and emotion is captured thanks to our proprie...

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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 $147.99 - Original price $147.99
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$147.99
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Current price $147.99

Saramonic - Blink 500 B2+ 2-Person Wireless Mic System w/ Device Mount Receiver 3.5mm USB-C Lightning Outs

Saramonic

IDEAL WIRELESS MIC SYSTEMIncredibly Easy-to-Use 2-Person wireless clip-on mic system that is ideal for Content Creation Interviews Vlogging Mobile ...

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Original price $147.99 - Original price $147.99
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$147.99
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Current price $147.99
Original price $310.99 - Original price $310.99
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$310.99
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Current price $310.99

Bose - QuietComfort Ultra True Wireless Noise Cancelling In-Ear Earbuds - Black

Bose

Feel your music moreBreakthrough spatial audio for more immersive listening that makes your music feel more real than ever before — no matter the c...

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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 $117.99 - Original price $117.99
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$117.99
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Current price $117.99

Razer - Kraken Kitty V2 Wired Gaming Headset with Chroma RGB Lighting - Black

Razer

Create your cutest stream persona in killer kitty style with the new Razer Kraken Kitty V2. Stand out and turns heads with unique kitty ears powere...

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Original price $117.99 - Original price $117.99
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$117.99
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Current price $117.99
Original price $75.99 - Original price $75.99
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$75.99
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Current price $75.99

JBL - Tune Flex True Wireless Noise Cancelling Earbuds - Black

JBL

JBL pure bass soundSmartly designed 12mm drivers enhanced by the stick form factor deliver JBL’s pure bass sound so you’ll feel every pulsing beat....

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Original price $75.99 - Original price $75.99
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$75.99
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Current price $75.99
Original price $149.99 - Original price $149.99
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$149.99
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Current price $149.99

JBL - Live Buds 3 True Wireless Noise Cancelling Earbuds - Black

JBL

Hi-Res Audio Wireless with JBL signature soundThe JBL Live Buds 3's 10mm dynamic drivers are powered by JBL Signature Sound. Each driver is perfect...

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Original price $149.99 - Original price $149.99
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$149.99
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Current price $149.99
Original price $120.99 - Original price $120.99
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$120.99
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Current price $120.99

JBL - SoundGear Sense Hybrid Open-Ear headphones with detachable neckband - Black

JBL

JBL OpenSound TechnologyOpenSound technology in the JBL Soundgear Sense earbuds provides a natural sound experience with almost zero sound leakage....

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Original price $120.99 - Original price $120.99
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$120.99
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Current price $120.99
Original price $149.99 - Original price $149.99
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$149.99
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Current price $149.99

JBL - Live Beam 3 True Wireless Noise Cancelling Earbuds - Black

JBL

Hi-Res Audio Wireless with JBL signature soundThe JBL Live Beam 3's 10mm dynamic drivers are powered by JBL Signature Sound. Each driver is perfect...

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Original price $149.99 - Original price $149.99
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$149.99
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Current price $149.99
Original price $100.99 - Original price $100.99
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$100.99
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Current price $100.99

Marshall - Major IV Wireless On-Ear Headphones - Black

Marshall

MARSHALL SIGNATURE SOUNDMajor IV delivers the signature Marshall sound that you’ve come to expect. Custom-tuned dynamic drivers deliver roaring bas...

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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 $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 - Matte Black

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
Original price
$190.99
$190.99 - $190.99
Current price $190.99
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 $68.99 - Original price $68.99
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$68.99
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Current price $68.99

SteelSeries - Arctis Nova 1 Wired Gaming Headset for PC PS5 and PS4 - Black

Steel Series

Almighty AudioCustom-designed Nova Acoustic System features best-in class audio for gaming with High Fidelity Drivers. Fully customize your gaming ...

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Original price $68.99 - Original price $68.99
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$68.99
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Current price $68.99
Original price $100.99 - Original price $100.99
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$100.99
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Current price $100.99

SteelSeries - Arctis Nova 3 Wired Gaming Headset for PC PS5 and PS4 - Black

Steel Series

Almighty AudioCustom-designed Nova Acoustic System features best-in class audio for gaming with High Fidelity Drivers. Fully customize your gaming ...

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

SteelSeries - Arctis Nova 7 Wireless Gaming Headset for PC PS5 and PS4 - Black

Steel Series

Neodymium Magnetic DriversCustom audio drivers let you hear everything you want with an ultra-detailed soundscape of crystal clear highs pinpoint m...

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Original price $197.99 - Original price $197.99
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$197.99
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Current price $197.99
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 - 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
Original price
$190.99
$190.99 - $190.99
Current price $190.99
Original price $270.99 - Original price $270.99
Original price
$270.99
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Current price $270.99

RØDE - Interview PRO Wireless Handheld Condenser Microphone

Rode

MicrophoneWireless handheld condenser microphoneOmnidirectionalOmnidirectional polar patternTransmissionState-of-the-art 2.4GHz digital transmissio...

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Original price $270.99 - Original price $270.99
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$270.99
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Current price $270.99
Original price $103.99 - Original price $103.99
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$103.99
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Current price $103.99

Shokz - OpenFit Air Open-Ear True Wireless Earbuds - Black

Shokz

Hooked on ComfortWobble-free Snug Fit Featuring our signature open-ear design an adaptable ear hook for improved comfort and weighing only 8.7g it’...

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Original price $103.99 - Original price $103.99
Original price
$103.99
$103.99 - $103.99
Current price $103.99
Original price $103.99 - Original price $103.99
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$103.99
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Current price $103.99

Shokz - OpenFit Air Open-Ear True Wireless Earbuds - White

Shokz

Hooked on ComfortWobble-free Snug Fit Featuring our signature open-ear design an adaptable ear hook for improved comfort and weighing only 8.7g it’...

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Original price $103.99 - Original price $103.99
Original price
$103.99
$103.99 - $103.99
Current price $103.99
Original price $194.99 - Original price $194.99
Original price
$194.99
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Current price $194.99

Sony INZONE H5 - headset

Sony

360 Spatial Sound for GamingIn games that are won and lost in seconds whoever reacts first often wins. 360 Spatial Sound for Gaming pinpoints oppon...

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Original price $194.99 - Original price $194.99
Original price
$194.99
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Current price $194.99
Original price $134.99 - Original price $134.99
Original price
$134.99
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Current price $134.99

Shokz - OpenFit Open-Ear True Wireless Earbuds - Black

Shokz

Open-ear comfortOpen-ear listening buds. OpenFit continues the Shokz open-ear concept with a compact earbud design. OpenFit is built around the ea...

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Original price $134.99 - Original price $134.99
Original price
$134.99
$134.99 - $134.99
Current price $134.99
Original price $128.99 - Original price $128.99
Original price
$128.99
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Current price $128.99

Samsung Galaxy Buds FE - true wireless earphones with mic

Samsung

Your phone does the translating and your Buds do the audio with Galaxy AIFrom phoning a relative back home to calling in reservations while traveli...

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Original price $128.99 - Original price $128.99
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$128.99
$128.99 - $128.99
Current price $128.99
Original price $60.99 - Original price $60.99
Original price
$60.99
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Current price $60.99

Razer - BlackShark V2 X Wired Gaming Headset for PC PS5 PS4 Switch Xbox XS and Xbox One - White

Razer

Razer TriForce 50mm DriversOur new cutting-edge proprietary design divides the driver into 3 parts for the individual tuning of highs mids and lows...

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Original price $60.99 - Original price $60.99
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$60.99
$60.99 - $60.99
Current price $60.99
Original price $305.99 - Original price $305.99
Original price
$305.99
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Current price $305.99

Sennheiser - Momentum 4 Wireless Adaptive Noise-Canceling Over-The-Ear Headphones - Black

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 $305.99 - Original price $305.99
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$305.99
$305.99 - $305.99
Current price $305.99
Original price $170.99 - Original price $170.99
Original price
$170.99
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Current price $170.99

MB Quart - Premium 5-1/4" 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 $170.99 - Original price $170.99
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$170.99
$170.99 - $170.99
Current price $170.99
Original price $238.99 - Original price $238.99
Original price
$238.99
$238.99 - $238.99
Current price $238.99

Sennheiser - RS 175 RF Wireless Headphone System for TV Listening with Bass Boost and Surround Sound Modes - Black

Sennheiser

Rechargeable batteryOffers up to 18 hours of use on a charge.Over-the-ear designFor a secure fit.17Hz - 22kHz frequency responseFor faithful sound ...

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Original price $238.99 - Original price $238.99
Original price
$238.99
$238.99 - $238.99
Current price $238.99

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.