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Lease-to-Own Cell Phones (Unlocked)

Lease-to-Own Cell Phones (Unlocked)

Upgrade to the latest technology with a lease-to-own cell phone and a little help from Finance My Cart and Terrace Finance. Get an unlocked Samsung Galaxy on payments and start mobile gaming, recording videos, and taking high res photos with up to 512 GB of storage. Top it off with free shipping and you're ready to rock & roll with an amazing new mobile phone!

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Apple - iPhone 16e 128GB - Apple Intelligence (Unlocked) - White

Apple
Original price $589.99 - Original price $589.99
Original price
$589.99
$589.99 - $589.99
Current price $589.99

BUILT FOR APPLE INTELLIGENCE—Personal private powerful. Write express yourself and get things done effortlessly.185;A18 CHIP. FAST INTO THE FUTURE....

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Original price $589.99 - Original price $589.99
Original price
$589.99
$589.99 - $589.99
Current price $589.99

Samsung - Galaxy S26 Ultra 256GB (Unlocked) - Sky Blue

Samsung
Original price $1,475.99 - Original price $1,475.99
Original price
$1,475.99
$1,475.99 - $1,475.99
Current price $1,475.99

The world’s first privacy display built into a phoneFor the first time ever you can now limit what others can see on your phone whenever you want b...

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Original price $1,475.99 - Original price $1,475.99
Original price
$1,475.99
$1,475.99 - $1,475.99
Current price $1,475.99

Samsung - Galaxy S26 Ultra 256GB (Unlocked) - Black

Samsung
Original price $1,479.99 - Original price $1,479.99
Original price
$1,479.99
$1,479.99 - $1,479.99
Current price $1,479.99

The world’s first privacy display built into a phoneFor the first time ever you can now limit what others can see on your phone whenever you want b...

View full details
Original price $1,479.99 - Original price $1,479.99
Original price
$1,479.99
$1,479.99 - $1,479.99
Current price $1,479.99

Samsung - Galaxy Z Fold8 Ultra 512GB (Unlocked) - Violet Shadow

Samsung
Original price $2,441.99 - Original price $2,441.99
Original price
$2,441.99
$2,441.99 - $2,441.99
Current price $2,441.99

Unfold more possibilitiesWhatever shape your life takes we’ve got a foldable that fits. After years of crafting and perfecting our latest is our gr...

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Original price $2,441.99 - Original price $2,441.99
Original price
$2,441.99
$2,441.99 - $2,441.99
Current price $2,441.99

Samsung - Galaxy S26 Ultra 256GB (Unlocked) - Cobalt Violet

Samsung
Original price $1,475.99 - Original price $1,475.99
Original price
$1,475.99
$1,475.99 - $1,475.99
Current price $1,475.99

The world’s first privacy display built into a phoneFor the first time ever you can now limit what others can see on your phone whenever you want b...

View full details
Original price $1,475.99 - Original price $1,475.99
Original price
$1,475.99
$1,475.99 - $1,475.99
Current price $1,475.99

Apple - iPhone 17 Pro Max 512GB - Silver (Universal)

Apple
Original price $1,739.99 - Original price $1,739.99
Original price
$1,739.99
$1,739.99 - $1,739.99
Current price $1,739.99

UNIBODY DESIGN. FOR EXCEPTIONAL POWER.—Heat-forged aluminum unibody design for the most powerful iPhone ever made.DURABLE CERAMIC SHIELD. FRONT AND...

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Original price $1,739.99 - Original price $1,739.99
Original price
$1,739.99
$1,739.99 - $1,739.99
Current price $1,739.99

Apple - iPhone 17 Pro 512GB - Silver

Apple
Original price $1,624.99 - Original price $1,624.99
Original price
$1,624.99
$1,624.99 - $1,624.99
Current price $1,624.99

UNIBODY DESIGN. FOR EXCEPTIONAL POWER.—Heat-forged aluminum unibody design for the most powerful iPhone ever made.DURABLE CERAMIC SHIELD. FRONT AND...

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Original price $1,624.99 - Original price $1,624.99
Original price
$1,624.99
$1,624.99 - $1,624.99
Current price $1,624.99

Samsung - Galaxy Z Fold8 Ultra 1TB (Unlocked) - Graphite

Samsung
Original price $2,888.99 - Original price $2,888.99
Original price
$2,888.99
$2,888.99 - $2,888.99
Current price $2,888.99

Unfold more possibilitiesWhatever shape your life takes we’ve got a foldable that fits. After years of crafting and perfecting our latest is our gr...

View full details
Original price $2,888.99 - Original price $2,888.99
Original price
$2,888.99
$2,888.99 - $2,888.99
Current price $2,888.99

Samsung - Galaxy Z Fold8 256GB (Unlocked) - Cream

Samsung
Original price $1,990.99 - Original price $1,990.99
Original price
$1,990.99
$1,990.99 - $1,990.99
Current price $1,990.99

Unfold more possibilitiesWhatever shape your life takes we’ve got a foldable that fits. After years of crafting and perfecting our latest is our gr...

View full details
Original price $1,990.99 - Original price $1,990.99
Original price
$1,990.99
$1,990.99 - $1,990.99
Current price $1,990.99

Samsung - Galaxy Z Fold8 512GB (Unlocked) - Cream

Samsung
Original price $2,215.99 - Original price $2,215.99
Original price
$2,215.99
$2,215.99 - $2,215.99
Current price $2,215.99

Unfold more possibilitiesWhatever shape your life takes we’ve got a foldable that fits. After years of crafting and perfecting our latest is our gr...

View full details
Original price $2,215.99 - Original price $2,215.99
Original price
$2,215.99
$2,215.99 - $2,215.99
Current price $2,215.99

Samsung - Galaxy Z Fold8 256GB (Unlocked) - Graphite

Samsung
Original price $1,990.99 - Original price $1,990.99
Original price
$1,990.99
$1,990.99 - $1,990.99
Current price $1,990.99

Unfold more possibilitiesWhatever shape your life takes we’ve got a foldable that fits. After years of crafting and perfecting our latest is our gr...

View full details
Original price $1,990.99 - Original price $1,990.99
Original price
$1,990.99
$1,990.99 - $1,990.99
Current price $1,990.99

Samsung - Galaxy Z Fold8 256GB (Unlocked) - Lavender

Samsung
Original price $1,990.99 - Original price $1,990.99
Original price
$1,990.99
$1,990.99 - $1,990.99
Current price $1,990.99

Unfold more possibilitiesWhatever shape your life takes we’ve got a foldable that fits. After years of crafting and perfecting our latest is our gr...

View full details
Original price $1,990.99 - Original price $1,990.99
Original price
$1,990.99
$1,990.99 - $1,990.99
Current price $1,990.99

Nothing - Phone (3) 256GB (Unlocked) - White

Nothing
Original price $795.99 - Original price $795.99
Original price
$795.99
$795.99 - $795.99
Current price $795.99

Flagship performance with Snapdragon 8s Gen 4Built on advanced 4nm architecture with powerful CPU speeds and next-gen AI capabilities for smooth mu...

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Original price $795.99 - Original price $795.99
Original price
$795.99
$795.99 - $795.99
Current price $795.99

Nothing - Phone (4a) Pro 256GB (Unlocked) - Pink

Nothing
Original price $683.99 - Original price $683.99
Original price
$683.99
$683.99 - $683.99
Current price $683.99

Pro-grade camera with AI-powered imagingCapture stunning detail at any distance with a triple camera system featuring a 50MP Sony main sensor with ...

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Original price $683.99 - Original price $683.99
Original price
$683.99
$683.99 - $683.99
Current price $683.99

Nothing - Phone (4a) Pro 128GB (Unlocked) - Silver

Nothing
Original price $572.99 - Original price $572.99
Original price
$572.99
$572.99 - $572.99
Current price $572.99

Pro-grade camera with AI-powered imagingCapture stunning detail at any distance with a triple camera system featuring a 50MP Sony main sensor with ...

View full details
Original price $572.99 - Original price $572.99
Original price
$572.99
$572.99 - $572.99
Current price $572.99

Motorola - edge 2026 128GB (Unlocked) - PANTONE Martini Olive

Motorola
Original price $704.99 - Original price $704.99
Original price
$704.99
$704.99 - $704.99
Current price $704.99

Universal unlockedCompatible with all major U.S. carriers including Verizon ATT T-Mobile and other prepaid carriers.Compact slim and durable design...

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Original price $704.99 - Original price $704.99
Original price
$704.99
$704.99 - $704.99
Current price $704.99

Motorola - moto g power 2026 128GB (Unlocked) - PANTONE Evening Blue

Motorola
Original price $474.99 - Original price $474.99
Original price
$474.99
$474.99 - $474.99
Current price $474.99

Universal unlockedCompatible with all major U.S. carriers including Verizon ATT T-Mobile and other prepaid carriers.Sharp durable 6.8" 120Hz FHD+ d...

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Original price $474.99 - Original price $474.99
Original price
$474.99
$474.99 - $474.99
Current price $474.99

Samsung - Galaxy A37 5G 128GB (Unlocked) - Awesome Graygreen

Samsung
Original price $395.99 - Original price $395.99
Original price
$395.99
$395.99 - $395.99
Current price $395.99

Awesome price. Amazing value.Galaxy A37 5G is a sleek and powerful entertainer that provides performance design and premium features at a price you...

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Original price $395.99 - Original price $395.99
Original price
$395.99
$395.99 - $395.99
Current price $395.99

Motorola - razr ultra 2025 512GB (Unlocked) - PANTONE Rio Red

Motorola
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

Universal unlockedCompatible with all major U.S. carriers including Verizon ATT T-Mobile and other prepaid carriers.Ultimate style meets iconic des...

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Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

BLU - G65L 128GB (Unlocked) - Green

Blu
Original price $189.99 - Original price $189.99
Original price
$189.99
$189.99 - $189.99
Current price $189.99

Carrier compatibilityATT T-Mobile Metro by T-Mobile Cricket Mint MobileDisplay6.7 inches HD+ Infinity Dot 90Hz Resolution 720 x 1600 pixelsProcesso...

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Original price $189.99 - Original price $189.99
Original price
$189.99
$189.99 - $189.99
Current price $189.99

Motorola - razr ultra 2025 512GB (Unlocked) - PANTONE Scarab

Motorola
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

Universal unlockedCompatible with all major U.S. carriers including Verizon ATT T-Mobile and other prepaid carriers.Ultimate style meets iconic des...

View full details
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

Motorola - moto g play 2026 64GB (Unlocked) - PANTONE Tapestry

Motorola
Original price $295.99 - Original price $295.99
Original price
$295.99
$295.99 - $295.99
Current price $295.99

Super-bright super-smooth 6.7" displaySee your screen clearly even outdoors in sunlight and enjoy seamless views with a fast-refreshing 120Hz displ...

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Original price $295.99 - Original price $295.99
Original price
$295.99
$295.99 - $295.99
Current price $295.99

Motorola - razr ultra 2025 512GB (Unlocked) - PANTONE Mountain Trail

Motorola
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

Universal unlockedCompatible with all major U.S. carriers including Verizon ATT T-Mobile and other prepaid carriers.Ultimate style meets iconic des...

View full details
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

Motorola - razr 2025 256GB (Unlocked) - PANTONE Gibraltar Sea

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

Universal unlockedCompatible with all major U.S. carriers including Verizon ATT T-Mobile and other prepaid carriers.Iconic design now even more dur...

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

Motorola - edge 2025 256GB (Unlocked) - PANTONE Deep Forest

Motorola
Original price $474.99 - Original price $474.99
Original price
$474.99
$474.99 - $474.99
Current price $474.99

Beautifully durable quad-curved designFeatures a soft-touch finish and thin borders plus military-grade protection and 2x stronger Corning Gorilla ...

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Original price $474.99 - Original price $474.99
Original price
$474.99
$474.99 - $474.99
Current price $474.99

Motorola - moto g stylus 2025 256GB (Unlocked) - PANTONE Gibraltar Sea

Motorola
Original price $410.99 - Original price $410.99
Original price
$410.99
$410.99 - $410.99
Current price $410.99

Universal unlockedCompatible with all major U.S. carriers including Verizon ATT T-Mobile and other prepaid carriers.Premium built-in stylusEffortle...

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Original price $410.99 - Original price $410.99
Original price
$410.99
$410.99 - $410.99
Current price $410.99

Motorola - moto g 2026 128GB (Unlocked) - PANTONE Slipstream

Motorola
Original price $349.99 - Original price $349.99
Original price
$349.99
$349.99 - $349.99
Current price $349.99

Universal unlockedCompatible with all major U.S. carriers including Verizon ATT T-Mobile and other prepaid carriers.Super-bright super-smooth 6.7" ...

View full details
Original price $349.99 - Original price $349.99
Original price
$349.99
$349.99 - $349.99
Current price $349.99

Apple - iPhone 17e 256GB - White - Universal

Apple
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

SAY HELLO TO A GOOD BUY—iPhone 17e comes with many of the same great features as iPhone 17 at a wallet-friendly price.ACTION BUTTON—Quick customiza...

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Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

Motorola - moto g stylus 2026 128GB (Unlocked) - PANTONE Coal Smoke

Motorola
Original price $589.99 - Original price $589.99
Original price
$589.99
$589.99 - $589.99
Current price $589.99

Universal unlockedCompatible with all major U.S. carriers including Verizon ATT T-Mobile and other prepaid carriers.The only built-in active stylus...

View full details
Original price $589.99 - Original price $589.99
Original price
$589.99
$589.99 - $589.99
Current price $589.99

Apple - iPhone 17e 256GB - Black - Universal

Apple
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

SAY HELLO TO A GOOD BUY—iPhone 17e comes with many of the same great features as iPhone 17 at a wallet-friendly price.ACTION BUTTON—Quick customiza...

View full details
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

Apple - iPhone 17e 256GB - Soft Pink - Universal

Apple
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

SAY HELLO TO A GOOD BUY—iPhone 17e comes with many of the same great features as iPhone 17 at a wallet-friendly price.ACTION BUTTON—Quick customiza...

View full details
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

Apple - iPhone 15 Plus 512GB - Yellow

Apple
Original price $1,543.99 - Original price $1,543.99
Original price
$1,543.99
$1,543.99 - $1,543.99
Current price $1,543.99

DYNAMIC ISLAND COMES TO IPHONE 15 — Dynamic Island bubbles up alerts and Live Activities — so you don’t miss them while you’re doing something else...

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Original price $1,543.99 - Original price $1,543.99
Original price
$1,543.99
$1,543.99 - $1,543.99
Current price $1,543.99

Apple - iPhone 15 Pro 1TB - Apple Intelligence Blue Titanium (Universal)

Apple
Original price $1,854.99 - Original price $1,854.99
Original price
$1,854.99
$1,854.99 - $1,854.99
Current price $1,854.99

FORGED IN TITANIUM — iPhone 15 Pro has a strong and light aerospace-grade titanium design with a textured matte-glass back. It also features a Cera...

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Original price $1,854.99 - Original price $1,854.99
Original price
$1,854.99
$1,854.99 - $1,854.99
Current price $1,854.99

Apple - iPhone 15 Plus 256GB - Black

Apple
Original price $1,313.99 - Original price $1,313.99
Original price
$1,313.99
$1,313.99 - $1,313.99
Current price $1,313.99

DYNAMIC ISLAND COMES TO IPHONE 15 — Dynamic Island bubbles up alerts and Live Activities — so you don’t miss them while you’re doing something else...

View full details
Original price $1,313.99 - Original price $1,313.99
Original price
$1,313.99
$1,313.99 - $1,313.99
Current price $1,313.99

Apple - iPhone 15 Plus 512GB Pink - Pink Universal

Apple
Original price $1,543.99 - Original price $1,543.99
Original price
$1,543.99
$1,543.99 - $1,543.99
Current price $1,543.99

DYNAMIC ISLAND COMES TO IPHONE 15 — Dynamic Island bubbles up alerts and Live Activities — so you don’t miss them while you’re doing something else...

View full details
Original price $1,543.99 - Original price $1,543.99
Original price
$1,543.99
$1,543.99 - $1,543.99
Current price $1,543.99

Apple - iPhone 15 512GB - Pink

Apple
Original price $1,428.99 - Original price $1,428.99
Original price
$1,428.99
$1,428.99 - $1,428.99
Current price $1,428.99

DYNAMIC ISLAND COMES TO IPHONE 15 — Dynamic Island bubbles up alerts and Live Activities — so you don’t miss them while you’re doing something else...

View full details
Original price $1,428.99 - Original price $1,428.99
Original price
$1,428.99
$1,428.99 - $1,428.99
Current price $1,428.99

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 lease-to-own/rent to own
solutions. Apply through the apply link at checkout and the Terrace Finance
platform will work to match you with a compatible payment solution provider to
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 a lease-to-own cell phone?

Get the mobile phone you need now without a credit card.
Leasing to own out-of-pocket expenses gives you another way to pay for the cell
phone need without delay.  By spreading payments out over time they 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. With any of the lease-to-own cell phone options, early payoff options
allow for overall savings. Review your contract at signing.

 

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 my lease-to-own cell phone 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.

 

What about calling a plan?

Only unlocked cell phones are eligible for a lease-to-own
cell phone financing. Secure your preferred calling plan separately with your favorite
provider.