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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 $520.99 - Original price $520.99
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$520.99
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Current price $520.99

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 $520.99 - Original price $520.99
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$520.99
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Current price $520.99
Original price $612.99 - Original price $612.99
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$612.99
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Current price $612.99

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 $612.99 - Original price $612.99
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$612.99
$612.99 - $612.99
Current price $612.99
Original price $388.99 - Original price $388.99
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$388.99
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Current price $388.99

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 $388.99 - Original price $388.99
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$388.99
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Current price $388.99
Original price $147.99 - Original price $147.99
Original price
$147.99
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Current price $147.99

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 $147.99 - Original price $147.99
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$147.99
$147.99 - $147.99
Current price $147.99
Original price $759.99 - Original price $759.99
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$759.99
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Current price $759.99

MB Quart - Jeep JT Gladiator Tuned 8" Dual-Voice-Coil 2-Ohm Subwoofer with Integrated 400W Amp - Black

MB Quart

Underseat subwoofer system upgrade for select Jeep vehiclesIncluding Jeep Gladiator (JT) 2020-current models.Two 8" subwoofersProvide rich sound.40...

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Original price $759.99 - Original price $759.99
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$759.99
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Current price $759.99
Original price $244.99 - Original price $244.99
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$244.99
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Klipsch CDT-5800-C II - Black

Klipsch

THE UPDATE FOR YOUR EYES THE NEW SLIMTRIM GRILLEWith an all new grille the visible frame size is reduced by 90 and grille depth is reduced by 80 ov...

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

Polk Audio - Monitor XT35 Center Channel Speaker - Midnight Black

Polk Audio

Slim Center Channel SpeakerFeaturing a 1" Tweeter and (4) 3" Dynamically Balanced Woofer the Monitor XT35 delivers rich clear dialogues a smooth mi...

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Original price $311.99 - Original price $311.99
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$311.99
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Current price $311.99
Original price $689.99 - Original price $689.99
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$689.99
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Current price $689.99

Klipsch - R-800F Reference Series Dual 8" 600-Watt Passive 2-Way Floor Standing Speaker (Each) - Black

Klipsch

Handles up to 600W peak power (150W continuous)For robust and controlled audio that is crisp and clear.Two 8" spun-copper TCP WoofersUtlizing trick...

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Original price $689.99 - Original price $689.99
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$689.99
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Current price $689.99
Original price $268.99 - Original price $268.99
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$268.99
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Current price $268.99

Polk Audio - Monitor XT60 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 XT60 offers smoo...

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Original price $268.99 - Original price $268.99
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Original price $438.99 - Original price $438.99
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$438.99
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Polk Audio - Monitor XT12 12" 100W Class A/B Amplifier Subwoofer - Midnight Black

Polk Audio

A Powerful Upgraded SubwooferFeaturing a long-throw high excursion 12" Dynamically Balanced Woofer powered by a 100W Class A/B Amplifier the Monito...

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Original price $438.99 - Original price $438.99
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$438.99
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Current price $438.99
Original price $282.99 - Original price $282.99
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$282.99
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Current price $282.99

Polk Audio - Atrium Series 4-1/2" Outdoor Loudspeakers (Pair) - Black

Polk Audio

Designed for Outdoor EntertainmentGet outstanding sound quality by installing the Polk Audio Atrium 4 Speakers in various open settings such as bes...

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Original price $282.99 - Original price $282.99
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$282.99
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Original price $254.99 - Original price $254.99
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$254.99
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Current price $254.99

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 $254.99 - Original price $254.99
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$254.99
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Original price $290.99 - Original price $290.99
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$290.99
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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 $290.99 - Original price $290.99
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$290.99
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Original price $290.99 - Original price $290.99
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$290.99
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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 $290.99 - Original price $290.99
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$290.99
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Current price $290.99
Original price $314.99 - Original price $314.99
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$314.99
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Current price $314.99

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 $314.99 - Original price $314.99
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$314.99
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Current price $314.99
Original price $482.99 - Original price $482.99
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$482.99
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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 $482.99 - Original price $482.99
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Original price $743.99 - Original price $743.99
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Current price $743.99

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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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 $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 $385.99 - Original price $385.99
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$385.99
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Current price $385.99

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 $385.99 - Original price $385.99
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$385.99
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Current price $385.99
Original price $1,396.99 - Original price $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
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$1,396.99
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Current price $1,396.99
Original price $172.99 - Original price $172.99
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$172.99
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Current price $172.99

Victrola - Pair of Solar Charging Bluetooth Outdoor Rock Speakers - Sand

Victrola

Solar chargingOutdoor solar charging rock speakers with 5 Watts of powerful stereo sound and a waterproof level of IPX4.Wireless Bluetooth connecti...

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Original price $172.99 - Original price $172.99
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$172.99
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Current price $172.99
Original price $920.99 - Original price $920.99
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$920.99
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Current price $920.99

MB Quart - Can-Am Defender Tuned 10" Single-Voice-Coil 4-Ohm Subwoofer with Integrated 400W Amp - Black

MB Quart

Underseat subwoofer system upgrade for Can-Am Defender 2017-2025 UTVFits perfectly no modifications needed.Two 10" subwoofersProvide rich sound.400...

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Original price $920.99 - Original price $920.99
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$920.99
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Current price $920.99
Original price $132.99 - Original price $132.99
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$132.99
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Current price $132.99

Hifonics - ELITE 8" 500W 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 $132.99 - Original price $132.99
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$132.99
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Current price $132.99
Original price $221.99 - Original price $221.99
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$221.99
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Current price $221.99

MB Quart - Discus 12" 600W 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 $221.99 - Original price $221.99
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$221.99
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Current price $221.99
Original price $213.99 - Original price $213.99
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$213.99
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Current price $213.99

Polk Audio - Monitor XT15 Bookshelf Speaker Pair - Midnight Black

Polk Audio

Compact Bookshelf/Surround Speaker PairFeaturing a 1" Tweeter and a 5.25" Dynamically Balanced Woofer the Monitor XT15 delivers rich clear audio an...

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Original price $213.99 - Original price $213.99
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$213.99
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Current price $213.99
Original price $443.99 - Original price $443.99
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$443.99
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Current price $443.99

MB Quart - Jeep JL Wrangler Tuned 10" Single-Voice-Coil 2-Ohm Subwoofer with Integrated 400W Amp - Black

MB Quart

Designed to directly replace/upgrade the OEM subwoofer of select Jeep vehiclesIncluding Jeep Wrangler (JL) 2018-up models. Uses OEM premium subwoof...

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Original price $443.99 - Original price $443.99
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$443.99
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Current price $443.99
Original price $538.99 - Original price $538.99
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$538.99
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Current price $538.99

POLK SIGNATURE ELITE

Polk Audio

POLK SIGNATURE ELITE ES10 SUBWOOFER

Original price $538.99 - Original price $538.99
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$538.99
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Current price $538.99
Original price $485.99 - Original price $485.99
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$485.99
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Current price $485.99

Polk Audio - Signature Elite Series 8 100W Powered Subwoofer - Black

Polk Audio

Powerful Bass Small FootprintThe Polk Audio Signature Elite ES8 Subwoofer with its high-excursion 8 woofer is designed to enhance compact home thea...

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Original price $485.99 - Original price $485.99
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$485.99
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Current price $485.99
Original price $333.99 - Original price $333.99
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$333.99
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Current price $333.99

Denon - 2.1-Channel DHT Soundbar with Built-in Subwoofers Surround Sound Supported - Black

Denon

Dolby Atmos Sound BarImmerse yourself in 3D cinematic audio with Dolby Atmos technology through the Denon DHT-S218 Soundbar enhanced by its two pow...

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Original price $333.99 - Original price $333.99
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$333.99
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Current price $333.99
Original price $696.99 - Original price $696.99
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$696.99
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Current price $696.99

Denon - Home Wireless Subwoofer with Built-in HEOS - Black

Denon

An Extraordinary Upgrade to Denon DSW-1 SubFeaturing HEOS built-in the Denon Home Subwoofer wirelessly connects to all Denon products with HEOS bui...

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Original price $696.99 - Original price $696.99
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$696.99
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Current price $696.99
Original price $98.99 - Original price $98.99
Original price
$98.99
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Current price $98.99

Victrola - Willow 3W Bluetooth Radio with Speakers - Natural

Victrola

Analog AM/FM RadioAnalog AM/FM radio with traditional bass and treble controls.Wireless Bluetooth ConnectivityWireless Bluetooth connectivity lets ...

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Original price $98.99 - Original price $98.99
Original price
$98.99
$98.99 - $98.99
Current price $98.99
Original price $166.99 - Original price $166.99
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$166.99
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Current price $166.99

Victrola - Powered Wireless Outdoor Speakers (Pair) - Gray

Innovative Technology

5W nominal power handlingHelps ensure rich dynamic sound.Built-in BluetoothOffers easy connectivity to your compatible device.Water-resistantTo ena...

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Original price $166.99 - Original price $166.99
Original price
$166.99
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Current price $166.99
Original price $164.99 - Original price $164.99
Original price
$164.99
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Current price $164.99

Insignia - 25w (per speaker 50w total) Bluetooth Bookshelf Speakers - Black

Insignia

Near Field Communication (NFC) and Bluetooth technologyOffers easy connectivity to your compatible device.Side panel dialsEffortlessly adjust the b...

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Original price $164.99 - Original price $164.99
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$164.99
$164.99 - $164.99
Current price $164.99
Original price $635.99 - Original price $635.99
Original price
$635.99
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Current price $635.99

Klipsch - Reference Series 4" 100-Watt Passive 2-Way Height Channel Speakers (Pair) - Black

Klipsch

Handles up to 100W peak power (50W continuous)For robust and controlled audio that is crisp and clear.4" spun copper thermoformed crystalline polym...

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Original price $635.99 - Original price $635.99
Original price
$635.99
$635.99 - $635.99
Current price $635.99
Original price $689.99 - Original price $689.99
Original price
$689.99
$689.99 - $689.99
Current price $689.99

Klipsch - Reference 800 Series Dual 8" 600-Watt Passive 2-Way Floor Standing Speaker (Each) - black

Klipsch

Handles up to 600W peak power (150W continuous)For robust and controlled audio that is crisp and clear.Two 8" spun-copper TCP WoofersUtlizing trick...

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

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.