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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 $415.99 - Original price $415.99
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$415.99
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Current price $415.99

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 $415.99 - Original price $415.99
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Current price $415.99
Original price $496.99 - Original price $496.99
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$496.99
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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 $496.99 - Original price $496.99
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Original price $335.99 - Original price $335.99
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$335.99
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Current price $335.99

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 $335.99 - Original price $335.99
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Current price $335.99
Original price $236.99 - Original price $236.99
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$236.99
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Current price $236.99

Yamaha - 10-Inch 100-Watt-Max Powered Subwoofer - Black

Yamaha

Frequency25 Hz to 180 HzSoundYamaha Servo Technology II provides a more stable and accurate low-range response and higher sound qualityDesignMatte ...

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Original price $236.99 - Original price $236.99
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Current price $236.99
Original price $522.99 - Original price $522.99
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$522.99
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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 $522.99 - Original price $522.99
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Original price $559.99 - Original price $559.99
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$559.99
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POLK SIGNATURE ELITE

Polk Audio

POLK SIGNATURE ELITE ES10 SUBWOOFER

Original price $559.99 - Original price $559.99
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Original price $391.99 - Original price $391.99
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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 $391.99 - Original price $391.99
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Original price $822.99 - Original price $822.99
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Current price $822.99

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 $822.99 - Original price $822.99
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Original price $641.99 - Original price $641.99
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Polk Audio - Polk Reserve R200 Bookshelf Speaker 1" Pinnacle Ring Tweeter 6.5" Turbine Cone Woofer (Pair) - Black

Polk Audio

Solid Versatile Bookshelf LoudspeakerFeaturing the new 1" Pinnacle Ring Radiator Tweeter a 6.5" Turbine Cone Woofer the technologically advanced P...

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Original price $641.99 - Original price $641.99
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Original price $270.99 - Original price $270.99
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Polk Audio - RC80i 2-way Round In-Wall 8" Speakers (Pair) Perfect for Damp and Humid Indoor/Outdoor Placement - White

Polk Audio

Premium Audio QualityThese timbre-matched overhead speakers elevate the sound quality by eliminating distortion delivering depth of music with clea...

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Original price $270.99 - Original price $270.99
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Original price $633.99 - Original price $633.99
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POLK RESERVE R350 LC

Polk Audio

POLK RESERVE R350 LCR LOUDSPEAKER

Original price $633.99 - Original price $633.99
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Original price $645.99 - Original price $645.99
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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 $645.99 - Original price $645.99
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Original price $166.99 - Original price $166.99
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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
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Original price $321.99 - Original price $321.99
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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 $321.99 - Original price $321.99
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Original price $526.99 - Original price $526.99
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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 $526.99 - Original price $526.99
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Original price $424.99 - Original price $424.99
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$424.99
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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 $424.99 - Original price $424.99
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Original price $321.99 - Original price $321.99
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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 $321.99 - Original price $321.99
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Original price $628.99 - Original price $628.99
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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 $628.99 - Original price $628.99
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Original price $424.99 - Original price $424.99
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$424.99
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Current price $424.99

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 $424.99 - Original price $424.99
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Original price $129.99 - Original price $129.99
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Sony HT-S100F - sound bar - for home theater - wireless

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 $129.99 - Original price $129.99
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Original price $718.99 - Original price $718.99
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MB Quart - Jeep JL Wrangler Tuned 12" Single-Voice-Coil 2-Ohm Loaded Subwoofer Enclosure with Integrated 400W Amp - Black

MB Quart

Fits select Jeep vehiclesIncluding Jeep Wrangler (JL) 2018-up models. Uses the interior tailgate panel to mount the subwoofer enclosure and include...

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Original price $718.99 - Original price $718.99
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Original price $291.99 - Original price $291.99
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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 $291.99 - Original price $291.99
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Original price $301.99 - Original price $301.99
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Polk Audio - Atrium5 5" Outdoor Speakers (Pair) - Black

Polk Audio

5" long-throw mineral-filled polypropylene cone driverWith butyl rubber surrounds pumps out surprising bass response from a compact design.3/4" ano...

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Original price $301.99 - Original price $301.99
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Original price $163.99 - Original price $163.99
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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 $163.99 - Original price $163.99
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Current price $163.99
Original price $508.99 - Original price $508.99
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$508.99
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Stinger - 12 Single-Voice-Coil 2-Ohm Loaded Subwoofer Enclosure - Black

Stinger

Easily add a high-powered subwoofer to your 2007-2021+ Jeep Wrangler audio system with this 12 Single-Voice-Coil 2-Ohm Loaded Subwoofer Enclosure b...

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Original price $508.99 - Original price $508.99
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Original price $170.99 - Original price $170.99
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$170.99
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Yamaha - Natural Sound 5" 2-Way All-Weather Outdoor Speakers (Pair) - Black

Yamaha

2-way speaker system sounds like 1 source rather than several separate sourcesWeather-resistant speaker terminals ensure a safe connectionAluminum ...

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Original price $170.99 - Original price $170.99
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Current price $170.99
Original price $473.99 - Original price $473.99
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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 $473.99 - Original price $473.99
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Original price $197.99 - Original price $197.99
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Yamaha NS-IC600 - speaker

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 $197.99 - Original price $197.99
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Original price $218.99 - Original price $218.99
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$218.99
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Current price $218.99

Sony - Core Series 4" 2-Way Center-Channel Speaker - Black

Sony

145W peak power handlingEnables robust audio.4" cellular-reinforced foamed-mica wooferFeatures an upper surface that offers faithful sound reproduc...

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Original price $218.99 - Original price $218.99
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Original price $221.99 - Original price $221.99
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$221.99
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Yamaha - Natural Sound 6-1/2" 2-Way All-Weather Outdoor Speakers (Pair) - Black

Yamaha

Fully adjustable and wall-mountable (with included brackets)

Original price $221.99 - Original price $221.99
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Original price $221.99 - Original price $221.99
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Yamaha - Natural Sound 6-1/2" 2-Way All-Weather Outdoor Speakers (Pair) - White

Yamaha

2-way speaker system sounds like 1 source rather than several separate sourcesWeather-resistant speaker terminals ensure a safe connectionAluminum ...

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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 $642.99 - Original price $642.99
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$642.99
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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 $642.99 - Original price $642.99
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Current price $642.99
Original price $427.99 - Original price $427.99
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$427.99
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Klipsch - Reference Series Dual 6-1/2" 400-Watt Passive 2-Way Floor Speaker (Each) - black

Klipsch

Handles up to 400W peak power (100W continuous)For robust and controlled audio that is crisp and clear.Two 6-1/2" injection molded graphite (IMG) w...

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Original price $427.99 - Original price $427.99
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Current price $427.99
Original price $415.99 - Original price $415.99
Original price
$415.99
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Current price $415.99

Klipsch - Next Gen Reference Series Quad 3-1/2" 400-Watt Passive 2-Way Center-Channel Speaker - black

Klipsch

Handles up to 400W peak power (100W continuous)For robust and controlled audio that is crisp and clear.Four 3-1/2" spun copper thermoformed crystal...

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Original price $415.99 - Original price $415.99
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$415.99
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Current price $415.99
Original price $261.99 - Original price $261.99
Original price
$261.99
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Current price $261.99

Sony - Core Series Dual 5" 3-Way Floorstanding Speaker (Each) - Black

Sony

Handles up to 145W maximum powerFor robust and controlled audio.Dual 5" dual-layer foamed-mica-reinforced cellular woofersFeature an upper surface ...

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Original price $261.99 - Original price $261.99
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$261.99
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Current price $261.99
Original price $392.99 - Original price $392.99
Original price
$392.99
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Current price $392.99

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 $392.99 - Original price $392.99
Original price
$392.99
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Current price $392.99

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.