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  • Original price $355.99 - Original price $355.99
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    Current price $355.99

    OSP Home Furnishings - Jefferson 2-Drawer Lateral File with Lockdowel Fastening System - Espresso

    OSP Home Furnishings

    Designed for your officeTransitional Contemporary StyleNumber of drawers2 generous storage drawersSmooth open and closingSmooth Euro-style drawer g...

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    Original price $355.99 - Original price $355.99
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  • Original price $256.99 - Original price $256.99
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    OSP Home Furnishings - Jericho Rustic Writing Desk - Slate Grey

    OSP Home Furnishings

    Traditional design with rustic touchesDecorative horizontal drawer pulls in burnished black. Classic 2-Tone Acacia veneers and paint finishes.Large...

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    Original price $256.99 - Original price $256.99
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  • Original price $156.99 - Original price $156.99
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    OSP Home Furnishings - Kayla Mid-Century Writing Desk - White/Light Wood

    OSP Home Furnishings

    Smart Mid-Century Modern writing deskSolid wood frame in light natural woodgrain finishAdditional StorageTwo spacious drawers with soft-close ball ...

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    Original price $156.99 - Original price $156.99
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  • Original price $175.99 - Original price $175.99
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    OSP Home Furnishings - Mesh Back Manager’s Chair with Bulit in Lumbar Support and Chrome Base - 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 $175.99 - Original price $175.99
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    OSP Home Furnishings - Mesh Back Manager’s Chair with Bulit in Lumbar Support and Chrome Base - Black/White

    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 $175.99 - Original price $175.99
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  • Original price $187.99 - Original price $187.99
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    OSP Home Furnishings - Mesh Back Manager’s Chair with Flip Arms and 2-Way Adjustable Headrest - 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 $187.99 - Original price $187.99
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    OSP Home Furnishings - Mesh Back Manager’s Chair with Flip Arms and 2-Way Adjustable Headrest - Grey/White

    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 $187.99 - Original price $187.99
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  • Original price $268.99 - Original price $268.99
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    OSP Home Furnishings - Mesh Back with Adjustable Arms on Nylon Base - 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 $268.99 - Original price $268.99
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  • Original price $293.99 - Original price $293.99
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    OSP Home Furnishings - Mesh Back with Headrest and Adjustable Arms on Nylon Base - 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 $293.99 - Original price $293.99
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  • Original price $269.99 - Original price $269.99
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    OSP Home Furnishings - Milford Rustic Writing Desk - Antique White

    OSP Home Furnishings

    Traditional design with rustic touchesDecorative horizontal drawer pulls in burnished black. Classic 2-Tone Acacia veneers and paint finishesLarge ...

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    Original price $269.99 - Original price $269.99
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    OSP Home Furnishings - Milford Rustic Writing Desk - Slate Grey

    OSP Home Furnishings

    Traditional design with rustic touchesDecorative horizontal drawer pulls in burnished black. Classic 2-Tone Acacia veneers and paint finishesLarge ...

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    Original price $269.99 - Original price $269.99
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  • Original price $480.99 - Original price $480.99
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    OSP Home Furnishings - Modern Life Desk in - Black

    OSP Home Furnishings

    Easy to assemblyAssembly simple assembly top portion ships assembledEasy access to your electronicsInnovative power tray provides easy access built...

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    Original price $480.99 - Original price $480.99
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  • Original price $628.99 - Original price $628.99
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    OSP Home Furnishings - Primo Sit-to-Stand Corner Elec Desk - White Finish

    OSP Home Furnishings

    Choose the workstation that has it all Unique and hard to find true sit-to-stand height adjustable corner configuration. All electric features allo...

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    Original price $628.99 - Original price $628.99
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  • Original price $400.99 - Original price $400.99
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    OSP Home Furnishings - Professional R2 SpaceGrid Back Manager’s Chair with Adjustable Lumbar Support and Adjustable Flip 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 $400.99 - Original price $400.99
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  • Original price $452.99 - Original price $452.99
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    OSP Home Furnishings - Reload 48 Gaming Desk - Slate

    OSP Home Furnishings

    Gaming ExperienceRGB LED lights for total game immersionDurable ConstructionDurable carbon fiber finish and attractive metal frameBuilt in Monitor ...

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    Original price $452.99 - Original price $452.99
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  • Original price $278.99 - Original price $278.99
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    OSP Home Furnishings - Santina Bankers Chair - Gray

    OSP Home Furnishings

    Stylish office chairClassic traditional style. ¿Tailored French seam and nailhead trim details with solid wood armrestLets you control and customiz...

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    Original price $278.99 - Original price $278.99
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  • Original price $260.99 - Original price $260.99
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    OSP Home Furnishings - Seabrook Two-Tier Storage Unit with Natural Baskets - White

    OSP Home Furnishings

    Solid wood and veneerIncludes natural basketsThree-tier storage towerFully assembled

    Original price $260.99 - Original price $260.99
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  • Original price $108.99 - Original price $108.99
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    OSP Home Furnishings - Sierra Mission End Table - Ash Finish

    OSP Home Furnishings

    Mission finish to match any design styleDecorative "Mission" Style Side PanelsStorage ShelfLower display shelfDurable constructionSolid and Enginee...

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    Original price $108.99 - Original price $108.99
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  • Original price $241.99 - Original price $241.99
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    OSP Home Furnishings - Vapor Gaming Chair - Blue/Black

    OSP Home Furnishings

    Designed for hours of focused comfortThick foam coil spring seat. Built-in lumbar support and headrestAdjustable tilt tensionCustomize the seat an...

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    Original price $241.99 - Original price $241.99
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  • Original price $229.99 - Original price $229.99
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    OSP Home Furnishings - Vapor Gaming Chair - Red/Black

    OSP Home Furnishings

    Designed for hours of focused comfortThick foam coil spring seat. Built-in lumbar support and headrestAdjustable tilt tensionCustomize the seat an...

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    Original price $229.99 - Original price $229.99
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    Current price $229.99
  • Original price $185.99 - Original price $185.99
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    OSP Home Furnishings - Victor Writing Desk - Brown Oak

    OSP Home Furnishings

    Contemporary StyleModern rustic design elementsAmble work spaceLarge 42" x 24" desk surfaceAdditional StorageLarge accessory drawerSimple Assembly ...

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    Original price $185.99 - Original price $185.99
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  • Original price $474.99 - Original price $474.99
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    OSP Home Furnishings - Wellington 46" Desk with Power - Gray

    OSP Home Furnishings

    Includes charging unit with two plugs and USB connectionEasy access to your electronicsSolid constructionEngineered wood with solid wood legsAssemb...

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    Original price $474.99 - Original price $474.99
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  • Original price $461.99 - Original price $461.99
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    OSP Home Furnishings - Wellington 46" Desk with Power - Grey

    OSP Home Furnishings

    Includes charging unit with two plugs and USB connectionEasy access to your electronicsSolid constructionEngineered wood with solid wood legsAssemb...

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    Original price $461.99 - Original price $461.99
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  • Original price $471.99 - Original price $471.99
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    OSP Home Furnishings - Wellington 46" Desk with Power - Toasted Wheat

    OSP Home Furnishings

    Traditional “campaign stylingEngineered wood with solid wood legsEasy access to your electronicsIncludes charging unit with two plugs and USB conne...

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    Original price $471.99 - Original price $471.99
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  • Original price $105.99 - Original price $105.99
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    OSP Home Furnishings - Writing Desk 36" - Gray

    OSP Home Furnishings

    Attractive Contemporary StyleAppealing grey woodgrain finish with a sturdy hairpin-style black metal legsAmble work space36" x 22" desktop workspac...

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    Original price $105.99 - Original price $105.99
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  • Original price $251.99 - Original price $251.99
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    OSP Home Furnishings - Xeno Gaming Chair in Faux Leather - Blue

    OSP Home Furnishings

    Flip-up padded armrestsContrasting piping accentsThick padded coil spring seatIntegrated lumbar supportOne touch pneumatic seat height adjustmentLo...

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    Original price $251.99 - Original price $251.99
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    OSP Home Furnishings - Xeno Gaming Chair in Faux Leather - Red

    OSP Home Furnishings

    Flip-up padded armrestsContrasting piping accentsThick padded coil spring seatIntegrated lumbar supportOne touch pneumatic seat height adjustmentLo...

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    Original price $251.99 - Original price $251.99
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  • Original price $236.99 - Original price $236.99
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    Current price $236.99

    OSP Home Furnishings - Xeno Gaming Chair in Faux Leather - White

    OSP Home Furnishings

    Flip-up padded armrestsContrasting piping accentsThick padded coil spring seatIntegrated lumbar supportOne touch pneumatic seat height adjustmentLo...

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    Original price $236.99 - Original price $236.99
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    $236.99
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  • Original price $251.99 - Original price $251.99
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    OSP Home Furnishings - Xplorer 51 Gaming Chair - Black

    OSP Home Furnishings

    Flip up padded armrestsMulti-colored accentsThick Padded coil spring seatIntegrated lumbar supportFull 360 rotationPerforated airflow material offe...

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    Original price $251.99 - Original price $251.99
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  • Original price $320.99 - Original price $320.99
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    OSP Home Furnishings - Zenos Desk - Cherry

    OSP Home Furnishings

    Sturdy desk topAttractive 8mm tempered glass desktop with chrome standoff hardwareAmple desktop surface48" x 24" worksurfaceSolid constructionBeaut...

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    Original price $320.99 - Original price $320.99
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  • Original price $117.99 - Original price $117.99
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    Current price $117.99

    OSP Home Furnishings - Zephyr Computer Desk - Black/Silver

    OSP Home Furnishings

    Modern space-saving designPerfect for small spacesSturdy desk topAttractive 8mm tempered glass desktop with chrome standoff hardwareAmple keyboard ...

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    Original price $117.99 - Original price $117.99
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    OSP Home Furnishings - Zephyr Computer Desk - Clear/Black

    OSP Home Furnishings

    Modern space-saving designPerfect for small spacesSturdy desk topAttractive 8mm tempered glass desktop with chrome standoff hardwareAmple keyboard ...

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    Original price $117.99 - Original price $117.99
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  • Original price $270.99 - Original price $270.99
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    SIT AND STAND DESK

    OSP Home Furnishings

    SIT AND STAND DESK

    Original price $270.99 - Original price $270.99
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  • Original price $179.99 - Original price $179.99
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    Current price $179.99

    VICTOR WRITING DESK

    OSP Home Furnishings

    VICTOR WRITING DESK

    Original price $179.99 - Original price $179.99
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    Current price $179.99
  • Original price $118.99 - Original price $118.99
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    Current price $118.99

    WRITING DESK 48"

    OSP Home Furnishings

    WRITING DESK 48"

    Original price $118.99 - Original price $118.99
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    Current price $118.99

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.