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Office Furniture

Rent To Own Office Furniture – Create Your Ideal Workspace with Flexible Financing

Transform your office with high-quality furniture from Finance My Cart. Whether you're setting up a home office, updating your workspace, or outfitting an entire office, we offer top brands like Steelcase, Sauder, and more. From ergonomic chairs to stylish desks and storage solutions, we have everything you need to boost productivity and comfort. With our rent-to-own and buy now, pay later payment plans, you can get the office furniture you need without the large upfront cost. Enjoy affordable monthly payments, free shipping, and financing options that suit your budget and credit situation. Create your perfect workspace today with flexible financing that works for you!

Original price $648.99 - Original price $648.99
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Sauder - Hayes Garden TV Credenza for TV's up to 65 - Ashen Oak

Sauder

Construction MaterialsWood with Laminate FinishCompatibility TV SizeAccommodates up to a 65" TV weighing 70 lbs. or lessDesign StyleContemporary Tr...

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Original price $648.99 - Original price $648.99
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Original price $544.99 - Original price $544.99
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Sauder - Aspen Post Office Credenza w/ File Drawer - Pebble Pine

Sauder

Construction MaterialsEngineered woodCollectionAspen PostDesign StyleModern FarmhouseFinishAspen PostAssemblyMinimal assembly required. Save time ...

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Original price $544.99 - Original price $544.99
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Original price $446.99 - Original price $446.99
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Sauder - Summit Station L-Shaped Desk - Gray

Sauder

Construction materialsWood and particle board with paper laminate surfaceShelves and storage1 shelfDesign styleTransitionalStorage compartments1 d...

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Original price $446.99 - Original price $446.99
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Original price $408.99 - Original price $408.99
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Sauder - 5-Shelf Display Bookcase w/ 3 adjustable Shelves - Laurel Oak

Sauder

Construction MaterialsManufactured Wood with Laminate FinishNumber of Shelves5-Shelf Display BookcaseDesign StyleCoastal Cottage TransitionalFinish...

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Original price $408.99 - Original price $408.99
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Original price $498.99 - Original price $498.99
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Sauder - Cottage Road Storage Cabinet - Raven Oak

Sauder

Number of Shelves/Drawers4 Adjustable Shelves and 1 Fixed ShelfMaterialsEngineered woodDesign StyleCoastal Cottage Modern Farmhouse Shabby ChicAsse...

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Original price $498.99 - Original price $498.99
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Original price $495.99 - Original price $495.99
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Sauder - East Rock Accent Storage Cabinet - Ashen Oak

Sauder

Number of Shelves/Drawers3 Adjustable ShelvesMaterialsEngineered woodDesign StyleContemporary Mid-century ModernAssembly RequiredSave time by addin...

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Original price $389.99 - Original price $389.99
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Sauder - Willow Place Bookcase Footboard with Storage Bins - Grand Walnut

Sauder

Construction MaterialsManufactured Wood with Laminate FinishNumber of Shelvesbookcase footboard; kids bookshelf; bookshelf footboard; cubby bookcas...

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Original price $389.99 - Original price $389.99
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Original price $597.99 - Original price $597.99
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Sauder - Larkin Ledge TV Credenza for TV's up to 65" - Glacier Oak

Sauder

Construction MaterialsWood with Laminate FinishCompatibility TV SizeAccommodates up to a 65" TV weighing 70 lbs. or lessDesign StyleCountry Transit...

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Original price $597.99 - Original price $597.99
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Original price $514.99 - Original price $514.99
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Sauder - Aspen Post TV Credenza for TV's up to 70" - Prime Oak

Sauder

Construction MaterialsWood with Laminate FinishCompatibility TV SizeAccommodates up to a 70" TV weighing 70 lbs. or lessDesign StyleModern Farmhous...

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Original price $514.99 - Original price $514.99
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Original price $841.99 - Original price $841.99
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Sauder - Barrister Lane TV Credenza TV's up to 80" - White Plank

Sauder

Construction MaterialsWood with Laminate FinishCompatibility TV SizeAccommodates up to an 80" TV weighing 95 lbs. or lessDesign StyleCountry Indust...

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Original price $841.99 - Original price $841.99
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Original price $337.99 - Original price $337.99
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Sauder - 5 Shelf Display Bookcase w/ 2 Adjustable Shelves - Laurel Oak

Sauder

Construction MaterialsManufactured Wood with Laminate FinishNumber of Shelves3-Shelf Display BookcaseDesign StyleCoastal Cottage TransitionalFinish...

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Original price $337.99 - Original price $337.99
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Original price $382.99 - Original price $382.99
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Sauder - 3 Shelf Display Bookcase w/ 2 Adjustable Shelves - Glacier Oak

Sauder

Construction MaterialsManufactured Wood with Laminate FinishNumber of Shelves3-Shelf Display BookcaseDesign StyleCountry TransitionalFinishGlacier ...

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Original price $382.99 - Original price $382.99
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Original price $294.99 - Original price $294.99
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Sauder - Cannery Bridge Twin Metal Platform Bed w/Headboard - Black

Sauder

Construction MaterialMetalBed Size / Mattress SizeAccomodates a Twin Size MattressBed StylePlatformDesign StyleIndustrial Modern FarmhouseAssemblyS...

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Original price $294.99 - Original price $294.99
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Original price $312.99 - Original price $312.99
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Sauder - Cannery Bridge Twin Metal Platform Bed w/Headboard - Bronze

Sauder

Construction MaterialMetalBed Size / Mattress SizeAccomodates a Twin Size MattressBed StylePlatformDesign StyleIndustrial Modern FarmhouseAssemblyS...

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Original price $312.99 - Original price $312.99
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Sauder - Harvey Park Twin Metal Platrorm Bed w/ Headboard - White

Sauder

Construction MaterialMetalBed Size / Mattress SizeAccomodates a Twin Size MattressBed StylePlatformDesign StyleMid-century ModernAssemblySave time ...

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Original price $312.99 - Original price $312.99
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Original price $404.99 - Original price $404.99
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Sauder - Beginings Corner Computer Desk with File Drawer - Cinnamon Cherry

Sauder

Construction MaterialsManufactured Wood Construction with a Cinnamon Cherry Laminate FinishShelves and StorageFile Drawer ShefDesign StyleTradit...

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Original price $404.99 - Original price $404.99
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Original price $193.99 - Original price $193.99
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OSP Home Furnishings - Olympic 48" Desk - Black

OSP Home Furnishings

The perfect combination of functionality and style.Easy Utility Design of desk + storage stand.48" Work surfaceWith its spacious 48" work surface y...

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Original price $193.99 - Original price $193.99
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Original price $431.99 - Original price $431.99
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OSP Home Furnishings - Mesh High Back Manager's Chair with Headrest and Self-Adjusting Lumbar Support and Adjutable Arms - Black

OSP Home Furnishings

Breathable Mesh Seat and Back with Adjustable Lumbar SupportDurable material offers a comfortable seat while you work. Built-in lumbar support help...

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Original price $431.99 - Original price $431.99
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Original price $223.99 - Original price $223.99
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OSP Home Furnishings - Tindal Office Chair - Salt Pepper

OSP Home Furnishings

Superior comfortPlush boucle upholstered office seatingAdjustable tilt tensionCustomize the seat angle to suit your preferences promoting a more re...

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Original price $223.99 - Original price $223.99
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OSP Home Furnishings - Aiden Chair Ottoman Herringbone - Orange

OSP Home Furnishings

Sophisticated club chair designTrendy herringbone fabric with doublle stitch detailA relaxing retreatWith a gently reclined stance curved armrests ...

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Original price $513.99 - Original price $513.99
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OSP Home Furnishings - Aiden Chair Ottoman Herringbone - Navy

OSP Home Furnishings

Sophisticated club chair designTrendy herringbone fabric with doublle stitch detailA relaxing retreatWith a gently reclined stance curved armrests ...

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Original price $513.99 - Original price $513.99
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Original price $242.99 - Original price $242.99
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OSP Home Furnishings - Leona Dining Chair 2-PK - Linen

OSP Home Furnishings

Sold as convenient 2-packIdeal for elevating a round kitchen table or making a more formal statement positioned around your large family table.Trad...

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Original price $242.99 - Original price $242.99
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Original price $343.99 - Original price $343.99
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OSP Home Furnishings - Eliza Spindle Chair - Charcoal

OSP Home Furnishings

Classic spindle designEnjoy traditional styling thanks to a solid wood frame with beautiful turned spindle detail.Durable materialBeautiful and tre...

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Original price $343.99 - Original price $343.99
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Original price $317.99 - Original price $317.99
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OSP Home Furnishings - Devin Swivel Chair - White

OSP Home Furnishings

Ultra-Modern styleUltra-comfort barrel design with open back design cradles your positionSmooth swivel motion360 Swivel action allowing panoramic p...

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Original price $317.99 - Original price $317.99
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Original price $136.99 - Original price $136.99
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OSP Home Furnishings - Miller Swivel Counter Stool - Linen/Medium Oak

OSP Home Furnishings

Traditional Farmhouse CharmCurved back with decorative wood detailFull 360 SwivelSwivel function allowing you to easily change your sitting directi...

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Original price $136.99 - Original price $136.99
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Original price $183.99 - Original price $183.99
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OSP Home Furnishings - Lystra Swivel Vanity Chair - Textured Cream

OSP Home Furnishings

Charming Cottage StylePerfect for vanity custom closet or writing deskSmooth swivel motion360 Swivel action allowing panoramic positioningUltra-Mod...

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Original price $183.99 - Original price $183.99
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Original price $213.99 - Original price $213.99
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OSP Home Furnishings - Country Meadows 2-Shelf Bookcase - Plantation Grey

OSP Home Furnishings

Charming classic styleHand rubbed lacquer finish with beautiful edge profilesSturdy ConstructionConstructed with solid wood and select veneersAssem...

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Original price $213.99 - Original price $213.99
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Original price $263.99 - Original price $263.99
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$263.99
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Office Star Products - Mid Back Antimicrobial Fabric Chair - Dillon Steel

Office Star Products

Padded contoured antimicrobial fabric seat back with built-in lumbar supportSupport to your lower backOne-touch pneumatic seat height adjustment. ...

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Original price $263.99 - Original price $263.99
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Original price $313.99 - Original price $313.99
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La-Z-Boy Sutherland - chair - bonded leather polished chrome - ivory polished chrome

La-Z-Boy

Bonded leather seat and backOffer a touch of style.CushionedFor added functionality.Easily adjustable seat heightTo customize the height with a sin...

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Original price $313.99 - Original price $313.99
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Original price $358.99 - Original price $358.99
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CORSAIR - T3 RUSH Fabric Gaming Chair - Charcoal

Corsair

Breathable fabricThe T3 RUSH’s breathable soft fabric exterior retains minimal heat allowing you to keep cool during long game sessionsPadded neck ...

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Original price $358.99 - Original price $358.99
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Original price $248.99 - Original price $248.99
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Alamont Home - Hercules Paddington Midcentury Fabric Side Chair - Upholstered - Gray Fabric

Alamont Home

Commercial ratedRest assure that your item will withstand daily usage with its commercial classification.Room locationYour Side Chair - Upholstered...

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Original price $248.99 - Original price $248.99
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Original price $457.99 - Original price $457.99
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Alamont Home - Hercules Contemporary Mesh 24/7 Big Tall Swivel Multifunction Office Chair - Black

Alamont Home

24/7 usageReady for your call center multi-shift offices and your home office this office chair is designed for 24/7 use.Big tall seatingSit comfo...

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Original price $457.99 - Original price $457.99
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Original price $164.99 - Original price $164.99
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Alamont Home - Duncan Rectangle Modern Laminate Gaming Desk - Black

Alamont Home

Cord managementKeep cords organized and out of the way.Room locationYour Gaming Desk is intended for use in the following location(s) Home Office/S...

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Original price $164.99 - Original price $164.99
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Original price $208.99 - Original price $208.99
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$208.99
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OSP Home Furnishings - Papasan Chair - Pink

OSP Home Furnishings

Twist and Turn360 Swivel functionNest into the generously large Dacron-filled cushionBuilt-in fabric straps to hold cushion in placeThick padded bu...

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Original price $208.99 - Original price $208.99
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Original price $128.99 - Original price $128.99
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$128.99
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Office Star Products - Guest Chair - Grey/Black

Office Star Products

Padded seat and backSoft padded seat and back support good posture for both spine and hips.Padded armrestsOur padded armrests add further comfort.D...

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Original price $128.99 - Original price $128.99
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$128.99
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Original price $280.99 - Original price $280.99
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$280.99
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OSP Home Furnishings - Country Meadows 36" Desk - Plantation Grey

OSP Home Furnishings

Charming classic styleBeautiful edge profiles and solid wood turned leg. Hand rubbed lacquer finishSolid constructionConstructed with solid wood an...

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Original price $280.99 - Original price $280.99
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$280.99
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Current price $280.99

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.