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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Google - Pixel 10 Pro XL 512GB (Unlocked) - Obsidian
GOOGLEUniversal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Crick...
View full detailsSamsung - Galaxy Z Fold7 256GB (Unlocked) - Jet Black
SamsungStay locked in without being plugged inGalaxy Z Fold7 gives you the green light to stay productive with a battery that stays out of the red zone. U...
View full detailsSamsung - Galaxy Z Fold7 256GB (Unlocked) - Blue Shadow
SamsungStay locked in without being plugged inGalaxy Z Fold7 gives you the green light to stay productive with a battery that stays out of the red zone. U...
View full detailsSamsung - Galaxy A17 5G 128GB (Unlocked) - Blue
SamsungYour content super smoothThe ultra clear 6.7 FHD+ Super AMOLED display of Galaxy A17 5G helps bring your content to life whether you’re scrolling t...
View full detailsMotorola - moto g - 2025 128GB (Unlocked) - Forest Gray
MotorolaSuper-bright 6.7" display + Bass BoostTake your entertainment to the next level with a fast-refreshing 120Hz display and stereo sound with more pow...
View full detailsGoogle - Pixel 10a 128GB (Unlocked) - Berry
GOOGLEUniversal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Visib...
View full detailsGoogle - Pixel 10a 128GB (Unlocked) - Obsidian
GOOGLEUniversal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Visib...
View full detailsGoogle - Pixel 10a 128GB (Unlocked) - Fog
GOOGLEUniversal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Visib...
View full detailsGoogle - Pixel 10a 128GB (Unlocked) - Lavender
GOOGLEUniversal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Visib...
View full detailsGoogle - Pixel 10a 256GB (Unlocked) - Lavender
GOOGLEUniversal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Visib...
View full detailsGoogle - Pixel 10a 256GB (Unlocked) - Obsidian
GOOGLEUniversal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Visib...
View full detailsMotorola - razr 2026 256GB (Unlocked) - PANTONE Bright White
MotorolaUniversal unlockedCompatible with all major U.S. carriers including Verizon ATT T-Mobile and other prepaid carriers.Do more without openingStay in ...
View full detailsMotorola - razr+ 2026 256GB (Unlocked) - PANTONE Mountain View
MotorolaFull app zero flipsUse full apps on the 4.0" external display to reply to messages check directions and stay connected—no need to flip open.Flexibi...
View full detailsMotorola - razr fold 2026 512GB (Unlocked) - PANTONE Blackened Blue
MotorolaUniversal unlockedCompatible with all major U.S. carriers including Verizon ATT T-Mobile and other prepaid carriers.See what unfoldsKeep up with yo...
View full detailsMotorola - razr ultra 2026 512GB (Unlocked) - PANTONE Cocoa
MotorolaUniversal unlockedCompatible with all major U.S. carriers including Verizon ATT T-Mobile and other prepaid carriers.The most powerful razr everEnjo...
View full detailsSamsung - Galaxy A37 5G 128GB (Unlocked) - Lavendar
SamsungAwesome price. Amazing value.Galaxy A37 5G is a sleek and powerful entertainer that provides performance design and premium features at a price you...
View full detailsSamsung - Galaxy A37 5G 256GB(Unlocked) - Charcoal
SamsungAwesome price. Amazing value.Galaxy A37 5G is a sleek and powerful entertainer that provides performance design and premium features at a price you...
View full detailsMotorola - razr ultra 2026 512GB (Unlocked) - PANTONE Orient Blue
MotorolaUniversal unlockedCompatible with all major U.S. carriers including Verizon ATT T-Mobile and other prepaid carriers.The most powerful razr everEnjo...
View full detailsSamsung - Galaxy A37 5G 128GB (Unlocked) - Charcoal
SamsungAwesome price. Amazing value.Galaxy A37 5G is a sleek and powerful entertainer that provides performance design and premium features at a price you...
View full detailsSamsung - Galaxy A57 5G 128GB (Unlocked) - Awesome Icy Blue
SamsungAwesomely lightThe best of A Series design of Galaxy A57 5G makes it easier and more stylish and comfortable to hold than any A Series device. Its ...
View full detailsMotorola - razr 2026 256GB (Unlocked) - PANTONE Hematite
MotorolaUniversal unlockedCompatible with all major U.S. carriers including Verizon ATT T-Mobile and other prepaid carriers.Do more without openingStay in ...
View full detailsSchok - VoltFlip (Unlocked) - Black
SchokNetwork CompatibilityCompatible with all major U.S. carriers such as Verizon ATT Sprint and T-Mobile. Also works with prepaid carriers including bu...
View full detailsSamsung - Galaxy Z Fold8 Ultra 256GB (Unlocked) - Cream
SamsungUnfold 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 detailsSamsung - Galaxy Z Fold8 Ultra 512GB (Unlocked) - Cream
SamsungUnfold 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 detailsSamsung - Galaxy Z Fold8 Ultra 512GB (Unlocked) - Graphite
SamsungUnfold 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 detailsSamsung - Galaxy Z Fold8 1TB (Unlocked) - Graphite
SamsungUnfold 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 detailsSamsung - Galaxy Z Fold8 512GB (Unlocked) - Graphite
SamsungUnfold 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 detailsSamsung - Galaxy Z Fold8 Ultra 256GB (Unlocked) - Violet Shadow
SamsungUnfold 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 detailsSamsung - Galaxy Z Fold8 Ultra 256GB (Unlocked) - Graphite
SamsungUnfold 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 detailsSamsung - Galaxy Z Fold8 512GB (Unlocked) - Lavender
SamsungUnfold 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 detailsSamsung - Galaxy Z Fold8 Ultra 1TB (Unlocked) - Violet Shadow
SamsungUnfold 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 detailsSamsung Galaxy S26 - black - 5G smartphone - 512 GB - GSM
SamsungFast. Powerful. AI-ready.Reimagine what’s possible with Galaxy S26 Series featuring our most powerful processor yet. Effortlessly stay connected wi...
View full detailsSamsung Galaxy S26+ - black - 5G smartphone - 256 GB - GSM
SamsungFast. Powerful. AI-ready.Reimagine what’s possible with Galaxy S26 Series featuring our most powerful processor yet. Effortlessly stay connected wi...
View full detailsNothing - Phone (3) 512GB (Unlocked) - Black
NothingFlagship performance with Snapdragon 8s Gen 4Built on advanced 4nm architecture with powerful CPU speeds and next-gen AI capabilities for smooth mu...
View full detailsNothing - Phone (4a) Pro 256GB (Unlocked) - Silver
NothingPro-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 detailsNothing - Phone (4a) Pro 128GB (Unlocked) - Black
NothingPro-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 detailsWhat 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.