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Speakers

Rent To Own Speakers – Immersive Sound with Affordable Financing

Elevate your audio experience with premium speakers from Finance My Cart. Whether you're looking for portable Bluetooth speakers, powerful home theater systems, or high-fidelity audio setups, we have options from top brands like JBL, Bose, Sony, and more. With our rent-to-own and lease-to-own payment plans, you can enjoy exceptional sound without the upfront cost. Get flexible financing with affordable monthly payments and free shipping to bring home the perfect speakers today!

Original price $646.99 - Original price $646.99
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$646.99
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Current price $646.99

Klipsch - Reference Series 10" 150W Powered Subwoofer - Black

Klipsch

Spun-copper thermoformed crystalline polymer (TCP) woofersAll-new 10 spun-copper thermoformed crystalline polymer woofers (TCP) make the latest Ref...

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Original price $646.99 - Original price $646.99
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$646.99
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Current price $646.99
Original price $761.99 - Original price $761.99
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$761.99
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Current price $761.99

Klipsch - Reference Series 12" 400W Powered Subwoofer - black

Klipsch

New technology and cleaner bassRevamped 12 spun-copper thermoformed crystalline polymer woofers make the latest Reference subwoofers exceptionally ...

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Original price $761.99 - Original price $761.99
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$761.99
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Original price $503.99 - Original price $503.99
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$503.99
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Klipsch - Reference Series 5-1/4" 340-Watt Passive 2-Way Bookshelf Speakers (Pair) - black

Klipsch

Handles up to 300W peak power (75W continuous)For robust and controlled audio that is crisp and clear.5-1/4" spun copper injection molded graphite ...

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Original price $503.99 - Original price $503.99
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Original price $127.99 - Original price $127.99
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$127.99
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Current price $127.99

Sony - HTS100F 2.0 Channel Soundbar with Bass Reflex Speaker - Black

TEAC

2 channelsThe two speaker setup delivers front surround sound from a compact unit.Bass Reflex speakerA speaker that delivers punchy bass without co...

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Original price $127.99 - Original price $127.99
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$127.99
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Current price $127.99
Original price $741.99 - Original price $741.99
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$741.99
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Current price $741.99

Polk Audio - Polk Reserve Series R400 Large Center Channel Loudspeaker New 1" Pinnacle Ring Tweeter Dual 6.5" Turbine Cone Woofers - Black

Polk Audio

Powerful Center Channel LoudspeakerFeaturing the new 1" Pinnacle Ring Radiator Tweeter and dual 6.5" Turbine Cone Woofers the R400 Large Center Cha...

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Original price $741.99 - Original price $741.99
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Original price $173.99 - Original price $173.99
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$173.99
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Current price $173.99

Polk Audio - RC6s In-Ceiling 6.5" Stereo Speaker - Dual Channel Experience Best for Damp Humid Indoor/Outdoor Placement - White

Polk Audio

Incredible Stereo Sound From A Single Overhead SpeakerThis in-ceiling speaker plays left and right channels of a stereo signal through a single loc...

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Original price $173.99 - Original price $173.99
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Original price $952.99 - Original price $952.99
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$952.99
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Polk Audio - Signature Elite Series 12 300W Powered Subwoofer - Black

Polk Audio

Impactful Bass for Expansive SoundscapesThe Polk Audio Signature Elite ES12 Subwoofer with its high-excursion 12 woofer is designed to enhance your...

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Original price $952.99 - Original price $952.99
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Original price $230.99 - Original price $230.99
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$230.99
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Sony - CS Speaker - 2-way 3-driver Center Channel Speaker (2025) each - Black

Sony

3-Way 2-Drive Center-Channel speaker systemHear natural depth and total clarity in all your audio. This 3-driver center-channel speaker includes tw...

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Original price $230.99 - Original price $230.99
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Original price $266.99 - Original price $266.99
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Sony - CS Speakers - 3-way 3-driver hi-res Bookshelf speakers (2025) pair - Black

Sony

3-Way 3-Drive bookshelf speaker systemHear natural depth and total clarity in all your audio. These 3-driver bookshelf speakers include a rigid 5.1...

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Original price $266.99 - Original price $266.99
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Original price $266.99 - Original price $266.99
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Sony - CS Speakers - Dolby Atmos enabled upfiring height Speakers (2025) pair - Black

Sony

1 3.94 in full-range speakerRaise your home theater to new heights with premium sound quality.Perfect match with SSCS5M2 SSCS3M2 CS SpeakersDesign...

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Original price $266.99 - Original price $266.99
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Original price $290.99 - Original price $290.99
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Sony - CS Speaker 3-way 4-driver hi-res Floor-Standing speaker (2025) each - Black

Sony

3-Way 4-Drive floorstanding speaker systemHear natural depth and total clarity in all your audio. This 4-driver floorstanding speaker includes two ...

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Original price $290.99 - Original price $290.99
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Original price $235.99 - Original price $235.99
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$235.99
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Current price $235.99

JBL - Stage2 240B 2-Way 4.5-inch (114mm) Bookshelf Loudspeaker - Pair - Latte

JBL

4.5-inch (114mm) Polycellulose Ribbed Cone WooferEach speaker in the Stage 2 series features Polycellulose ribbed cone woofers. This pure pulp cone...

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Original price $235.99 - Original price $235.99
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Original price $260.99 - Original price $260.99
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JBL - Stage2 245C 2.5-Way Quad 4.5-inch (114mm) Center Channel Loudspeaker - Each - Latte

JBL

Quad 4.5-inch (114mm) Polycellulose Ribbed Cone WoofersEach speaker in the Stage 2 series features Polycellulose ribbed cone woofers. This pure pul...

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Original price $260.99 - Original price $260.99
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Original price $360.99 - Original price $360.99
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$360.99
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JBL - Stage2 260F 2.5-Way Dual 6.5-inch (165mm) Floorstanding Loudspeaker - Each - Espresso

JBL

Dual 6.5-inch (165mm) Polycellulose Ribbed Cone WoofersThe 260F features Polycellulose ribbed cone woofers. This pure pulp cone has a proprietary m...

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Original price $360.99 - Original price $360.99
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Current price $360.99
Original price $235.99 - Original price $235.99
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$235.99
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Current price $235.99

JBL - Stage2 240B 2-Way 4.5-inch (114mm) Bookshelf Loudspeaker - Pair - Espresso

JBL

4.5-inch (114mm) Polycellulose Ribbed Cone WooferEach speaker in the Stage 2 series features Polycellulose ribbed cone woofers. This pure pulp cone...

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Original price $235.99 - Original price $235.99
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Original price $570.99 - Original price $570.99
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JBL - Stage2 280F 2.5-Way Dual 8" Floorstanding Loudspeaker - Each - Latte

JBL

Dual 8-inch (200mm) Polycellulose Ribbed Cone WoofersThe 280F features Polycellulose ribbed cone woofers. This pure pulp cone has a proprietary mix...

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Original price $570.99 - Original price $570.99
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Original price $433.99 - Original price $433.99
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JBL - Stage 220P 12-Inch Powered Subwoofer - Espresso

JBL

12-inch (300mm) Polycellulose Ribbed Cone Low-Frequency WooferEach speaker in the Stage 2 series features Polycellulose ribbed cone woofers. This p...

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Original price $433.99 - Original price $433.99
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Original price $568.99 - Original price $568.99
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JBL - Stage2 280F 2.5-Way Dual 8" Floorstanding Loudspeaker - Each - Espresso

JBL

Dual 8-inch (200mm) Polycellulose Ribbed Cone WoofersThe 280F features Polycellulose ribbed cone woofers. This pure pulp cone has a proprietary mix...

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Original price $568.99 - Original price $568.99
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Original price $311.99 - Original price $311.99
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JBL - Stage2 250B 2-Way 5.25-inch (130mm) Bookshelf Loudspeaker - Pair - Latte

JBL

5.25-inch (130mm) Polycellulose Ribbed Cone WooferEach speaker in the Stage 2 series features Polycellulose ribbed cone woofers. This pure pulp con...

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Original price $311.99 - Original price $311.99
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$311.99
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Original price $361.99 - Original price $361.99
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$361.99
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Current price $361.99

JBL - Stage 200P 10-Inch Powered Subwoofer - Latte

JBL

10-inch (250mm) Polycellulose Ribbed Cone Low-Frequency WooferEach speaker in the Stage 2 series features Polycellulose ribbed cone woofers. This p...

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Original price $361.99 - Original price $361.99
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$361.99
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Current price $361.99
Original price $312.99 - Original price $312.99
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$312.99
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Current price $312.99

JBL - Stage2 250B 2-Way 5.25-inch (130mm) Bookshelf Loudspeaker - Pair - Espresso

JBL

5.25-inch (130mm) Polycellulose Ribbed Cone WooferEach speaker in the Stage 2 series features Polycellulose ribbed cone woofers. This pure pulp con...

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Original price $312.99 - Original price $312.99
Original price
$312.99
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Current price $312.99
Original price $260.99 - Original price $260.99
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$260.99
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Current price $260.99

JBL - Stage2 245C 2.5-Way Quad 4.5-inch (114mm) Center Channel Loudspeaker - Each - Espresso

JBL

Quad 4.5-inch (114mm) Polycellulose Ribbed Cone WoofersEach speaker in the Stage 2 series features Polycellulose ribbed cone woofers. This pure pul...

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Original price $260.99 - Original price $260.99
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$260.99
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Current price $260.99
Original price $462.99 - Original price $462.99
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$462.99
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Klipsch - Reference 4" 35W 2-Way Powered Speakers (Pair) - Black

Klipsch

Frequency Response60Hz - 20kHzPlays well with othersConnect via Bluetooth for muisc streaming phono (with ground screw terminal) for turntables plu...

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Original price $462.99 - Original price $462.99
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Original price $635.99 - Original price $635.99
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AudioControl - 12 Single-Voice-Coil 2-Ohm Loaded Subwoofer Enclosure - Black

Stinger

Compatible with select 2007-2021+ Jeep Wrangler vehiclesIncluding 2-door and 4-door JK/JKU and JL/JLU models for a customized fit.12 loaded swing g...

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Original price $635.99 - Original price $635.99
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Original price $405.99 - Original price $405.99
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$405.99
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Polk Audio - Atrium 6 Outdoor All-Weather Speakers with Bass Reflex Enclosure Speed-Lock Mounting System (Pair) - Black

Polk Audio

Exceptional Sound Indoors OutdoorsGet room-filling high-quality audio whether you set up the Atrium 6 by a pool in the patio the sunroom or office...

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Original price $405.99 - Original price $405.99
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Original price $743.99 - Original price $743.99
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Polk Audio - Signature Elite Series 10 200W Powered Subwoofer - Black

Polk Audio

Balanced Bass for Midsize RoomsThe Polk Audio Signature Elite ES10 Subwoofer with its high-excursion 10 woofer is designed to enhance your medium t...

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Original price $743.99 - Original price $743.99
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Original price $741.99 - Original price $741.99
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Current price $741.99

Polk Audio - Polk Reserve R100 Bookshelf Speaker 1" Pinnacle Ring Tweeter 5.25" Turbine Cone Woofer (Pair) - Black

Polk Audio

Solid Versatile Bookshelf LoudspeakerFeaturing the new 1" Pinnacle Ring Radiator Tweeter a 5.25" Turbine Cone Woofer the technologically advanced ...

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Original price $741.99 - Original price $741.99
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Original price $689.99 - Original price $689.99
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Polk Audio - Polk Reserve R350 Left/Right/Center Surround Speaker New 1" Pinnacle Ring Tweeter Four 4" Turbine Cone Woofers - Black

Polk Audio

Modern Slim Center Channel SpeakerFeaturing the new 1" Pinnacle Ring Radiator Tweeter four 4" Turbine Cone Woofer the technologically advanced Pol...

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Original price $689.99 - Original price $689.99
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$689.99
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Original price $949.99 - Original price $949.99
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Current price $949.99

Polk Audio - Polk Reserve Series R600 Floorstanding Tower Speaker New 1" Pinnacle Ring Tweeter Dual 6.5" Turbine Cone Woofers - Black

Polk Audio

Powerful Versatile Floorstanding SpeakerFeaturing a 1" Pinnacle Ring Radiator Tweeter dual 6.5" Turbine Cone Woofer the technologically advanced P...

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Original price $949.99 - Original price $949.99
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Current price $949.99
Original price $530.99 - Original price $530.99
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$530.99
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Polk Audio - Atrium6 5-1/4" Outdoor Speakers (Pair) - White

Polk Audio

5-1/4" long-throw aerated polypropylene cone driverWith butyl rubber surrounds pumps out surprising bass response from a compact design.1" anodized...

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Original price $530.99 - Original price $530.99
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$530.99
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Current price $530.99
Original price $173.99 - Original price $173.99
Original price
$173.99
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Current price $173.99

Yamaha - 6-1/2" 2-Way In-Ceiling Speakers (Pair) - White

Yamaha

Handles up to 110 watts maximum input powerFor robust and controlled audio that is crisp and clear.6-1/2" woofer coneAlong with a 1" fluid-cooled s...

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Original price $173.99 - Original price $173.99
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$173.99
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Current price $173.99
Original price $177.99 - Original price $177.99
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$177.99
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Current price $177.99

Hifonics - ELITE 12" 600W Dual-Voice Subwoofer - Blue

Hifonics

Secure Stainless Push Insert TerminalsFor a high-end connection with corrosion-resistant nickel-plated design for easier installation.Compact roun...

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Original price $177.99 - Original price $177.99
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$177.99
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Current price $177.99
Original price $317.99 - Original price $317.99
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$317.99
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Current price $317.99

Polk Audio - Monitor XT70 Tower Speaker - Midnight Black

Polk Audio

High Performance Tower SpeakerFeaturing a 1" Tweeter a 6.5" Dynamically Balanced Woofer and (2) 6.5" Passive Radiators the Monitor XT70 offers smoo...

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Original price $317.99 - Original price $317.99
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$317.99
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Current price $317.99
Original price $150.99 - Original price $150.99
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$150.99
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Current price $150.99

MB Quart - Discus 8" 500W Dual-Voice Subwoofer - Red

MB Quart

Secure Stainless Push Insert TerminalsFor a high-end connection with corrosion-resistant nickel-plated design for easier installation.Compact roun...

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Original price $150.99 - Original price $150.99
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$150.99
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Current price $150.99
Original price $637.99 - Original price $637.99
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$637.99
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Current price $637.99

Polk Audio - Polk Reserve R900 Height Module Speaker for 3D Immersive Sound 1" Pinnacle Ring Tweeter 4" Turbine Cone Woofer - White

Polk Audio

Height Module for Multidimensional SoundFeaturing the new 1" Pinnacle Ring Radiator Tweeter and a 4" Turbine Cone Woofers the R900 Height Module de...

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Original price $637.99 - Original price $637.99
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$637.99
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Current price $637.99
Original price $1,396.99 - Original price $1,396.99
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$1,396.99
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Current price $1,396.99

Polk Audio - Polk Reserve R700 Tower Speaker 1" Pinnacle Ring Tweeter Dual 6.5" Turbine Cone Woofers Dual 8" Long-Throw Drivers - Brown

Polk Audio

Powerful Premium Stereo Floorstanding SpeakerFeaturing the new 1" Pinnacle Ring Radiator Tweeter dual 6.5" Turbine Cone Woofer the technologically...

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Original price $1,396.99 - Original price $1,396.99
Original price
$1,396.99
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Current price $1,396.99

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.