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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 17 Pro Max 512GB - Silver (Universal)

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

Apple
$1,739.99 - $1,739.99
$1,739.99
$1,739.99 - $1,739.99
$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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$1,739.99 - $1,739.99
$1,739.99
$1,739.99 - $1,739.99
$1,739.99
Apple - iPhone 17 Pro 1TB - Deep Blue (Universal)

Apple - iPhone 17 Pro 1TB - Deep Blue (Universal)

Apple
$1,854.99 - $1,854.99
$1,854.99
$1,854.99 - $1,854.99
$1,854.99

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

View full details
$1,854.99 - $1,854.99
$1,854.99
$1,854.99 - $1,854.99
$1,854.99
Apple - iPhone 17 Pro Max 1TB - Deep Blue (Universal)

Apple - iPhone 17 Pro Max 1TB - Deep Blue (Universal)

Apple
$1,969.99 - $1,969.99
$1,969.99
$1,969.99 - $1,969.99
$1,969.99

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

View full details
$1,969.99 - $1,969.99
$1,969.99
$1,969.99 - $1,969.99
$1,969.99
Apple - iPhone 17 Pro 1TB - Cosmic Orange (Universal)

Apple - iPhone 17 Pro 1TB - Cosmic Orange (Universal)

Apple
$1,854.99 - $1,854.99
$1,854.99
$1,854.99 - $1,854.99
$1,854.99

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

View full details
$1,854.99 - $1,854.99
$1,854.99
$1,854.99 - $1,854.99
$1,854.99
Apple - iPhone 17 Pro Max 256GB - Silver

Apple - iPhone 17 Pro Max 256GB - Silver

Apple
$1,509.99 - $1,509.99
$1,509.99
$1,509.99 - $1,509.99
$1,509.99

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

View full details
$1,509.99 - $1,509.99
$1,509.99
$1,509.99 - $1,509.99
$1,509.99
Apple - iPhone 17 Pro Max 512GB - Cosmic Orange

Apple - iPhone 17 Pro Max 512GB - Cosmic Orange

Apple
$1,739.99 - $1,739.99
$1,739.99
$1,739.99 - $1,739.99
$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...

View full details
$1,739.99 - $1,739.99
$1,739.99
$1,739.99 - $1,739.99
$1,739.99
Apple - iPhone 17 Pro 512GB - Silver

Apple - iPhone 17 Pro 512GB - Silver

Apple
$1,624.99 - $1,624.99
$1,624.99
$1,624.99 - $1,624.99
$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...

View full details
$1,624.99 - $1,624.99
$1,624.99
$1,624.99 - $1,624.99
$1,624.99
Apple - iPhone 17 Pro Max 256GB - Cosmic Orange

Apple - iPhone 17 Pro Max 256GB - Cosmic Orange

Apple
$1,509.99 - $1,509.99
$1,509.99
$1,509.99 - $1,509.99
$1,509.99

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

View full details
$1,509.99 - $1,509.99
$1,509.99
$1,509.99 - $1,509.99
$1,509.99
Apple - iPhone 17 256GB - Sage (Universal)

Apple - iPhone 17 256GB - Sage (Universal)

Apple
$1,083.99 - $1,083.99
$1,083.99
$1,083.99 - $1,083.99
$1,083.99

DESIGNED TO DELIGHT. BUILT TO LAST.—iPhone 17 comes in five gorgeous colors with a brighter 6.3-inch display185; and a Ceramic Shield 2 front that’...

View full details
$1,083.99 - $1,083.99
$1,083.99
$1,083.99 - $1,083.99
$1,083.99
Apple - iPhone 17 Pro 512GB - Deep Blue Universal

Apple - iPhone 17 Pro 512GB - Deep Blue Universal

Apple
$1,624.99 - $1,624.99
$1,624.99
$1,624.99 - $1,624.99
$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...

View full details
$1,624.99 - $1,624.99
$1,624.99
$1,624.99 - $1,624.99
$1,624.99
Apple - iPhone 17 Pro 256GB - Silver

Apple - iPhone 17 Pro 256GB - Silver

Apple
$1,394.99 - $1,394.99
$1,394.99
$1,394.99 - $1,394.99
$1,394.99

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

View full details
$1,394.99 - $1,394.99
$1,394.99
$1,394.99 - $1,394.99
$1,394.99
Apple - iPhone 17 Pro 256GB - Cosmic Orange

Apple - iPhone 17 Pro 256GB - Cosmic Orange

Apple
$1,394.99 - $1,394.99
$1,394.99
$1,394.99 - $1,394.99
$1,394.99

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

View full details
$1,394.99 - $1,394.99
$1,394.99
$1,394.99 - $1,394.99
$1,394.99
Apple - iPhone 17 Pro 512GB - Cosmic Orange (Universal)

Apple - iPhone 17 Pro 512GB - Cosmic Orange (Universal)

Apple
$1,624.99 - $1,624.99
$1,624.99
$1,624.99 - $1,624.99
$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...

View full details
$1,624.99 - $1,624.99
$1,624.99
$1,624.99 - $1,624.99
$1,624.99
Apple - iPhone 17 Pro 256GB - Deep Blue

Apple - iPhone 17 Pro 256GB - Deep Blue

Apple
$1,394.99 - $1,394.99
$1,394.99
$1,394.99 - $1,394.99
$1,394.99

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

View full details
$1,394.99 - $1,394.99
$1,394.99
$1,394.99 - $1,394.99
$1,394.99
Apple - iPhone 17 512GB - Black

Apple - iPhone 17 512GB - Black

Apple
$1,313.99 - $1,313.99
$1,313.99
$1,313.99 - $1,313.99
$1,313.99

DESIGNED TO DELIGHT. BUILT TO LAST.—iPhone 17 comes in five gorgeous colors with a brighter 6.3-inch display185; and a Ceramic Shield 2 front that’...

View full details
$1,313.99 - $1,313.99
$1,313.99
$1,313.99 - $1,313.99
$1,313.99
Apple - iPhone 17 256GB - Lavender

Apple - iPhone 17 256GB - Lavender

Apple
$1,083.99 - $1,083.99
$1,083.99
$1,083.99 - $1,083.99
$1,083.99

DESIGNED TO DELIGHT. BUILT TO LAST.—iPhone 17 comes in five gorgeous colors with a brighter 6.3-inch display185; and a Ceramic Shield 2 front that’...

View full details
$1,083.99 - $1,083.99
$1,083.99
$1,083.99 - $1,083.99
$1,083.99
Apple - iPhone 17 256GB - Black (Universal)

Apple - iPhone 17 256GB - Black (Universal)

Apple
$1,083.99 - $1,083.99
$1,083.99
$1,083.99 - $1,083.99
$1,083.99

DESIGNED TO DELIGHT. BUILT TO LAST.—iPhone 17 comes in five gorgeous colors with a brighter 6.3-inch display185; and a Ceramic Shield 2 front that’...

View full details
$1,083.99 - $1,083.99
$1,083.99
$1,083.99 - $1,083.99
$1,083.99
Apple - iPhone 17 256GB - Mist Blue

Apple - iPhone 17 256GB - Mist Blue

Apple
$1,083.99 - $1,083.99
$1,083.99
$1,083.99 - $1,083.99
$1,083.99

DESIGNED TO DELIGHT. BUILT TO LAST.—iPhone 17 comes in five gorgeous colors with a brighter 6.3-inch display185; and a Ceramic Shield 2 front that’...

View full details
$1,083.99 - $1,083.99
$1,083.99
$1,083.99 - $1,083.99
$1,083.99
Apple - iPhone 17 256GB - White

Apple - iPhone 17 256GB - White

Apple
$1,083.99 - $1,083.99
$1,083.99
$1,083.99 - $1,083.99
$1,083.99

DESIGNED TO DELIGHT. BUILT TO LAST.—iPhone 17 comes in five gorgeous colors with a brighter 6.3-inch display185; and a Ceramic Shield 2 front that’...

View full details
$1,083.99 - $1,083.99
$1,083.99
$1,083.99 - $1,083.99
$1,083.99
Samsung - Galaxy S25 FE 128GB (Unlocked) - Navy

Samsung - Galaxy S25 FE 128GB (Unlocked) - Navy

Samsung
$746.99 - $746.99
$746.99
$746.99 - $746.99
$746.99

Big. Bright. Smooth.Galaxy S25 FE makes room for more of what you love with a 6.7 FHD+ Dynamic AMOLED 2X display and slimmer bezels that expand you...

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$746.99 - $746.99
$746.99
$746.99 - $746.99
$746.99
Unplugged - UP Phone 256GB (Unlocked) - Privacy Gray

Unplugged - UP Phone 256GB (Unlocked) - Privacy Gray

Unplugged
$1,151.99 - $1,151.99
$1,151.99
$1,151.99 - $1,151.99
$1,151.99

Defend Your DataThe powerful on-device Firewall blocks third-party tracking and data harvesting attempts—and exposes the apps behind them—so custo...

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$1,151.99 - $1,151.99
$1,151.99
$1,151.99 - $1,151.99
$1,151.99
Google - Pixel 10 128GB (Unlocked) - Indigo

Google - Pixel 10 128GB (Unlocked) - Indigo

GOOGLE
$693.99 - $693.99
$693.99
$693.99 - $693.99
$693.99

Universal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Crick...

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$693.99 - $693.99
$693.99
$693.99 - $693.99
$693.99
Google - Pixel 10 Pro Fold 512GB (Unlocked) - Moonstone

Google - Pixel 10 Pro Fold 512GB (Unlocked) - Moonstone

GOOGLE
$1,859.99 - $1,859.99
$1,859.99
$1,859.99 - $1,859.99
$1,859.99

Universal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Crick...

View full details
$1,859.99 - $1,859.99
$1,859.99
$1,859.99 - $1,859.99
$1,859.99
Google - Pixel 10 Pro 128GB (Unlocked) - Moonstone

Google - Pixel 10 Pro 128GB (Unlocked) - Moonstone

GOOGLE
$865.99 - $865.99
$865.99
$865.99 - $865.99
$865.99

Universal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Crick...

View full details
$865.99 - $865.99
$865.99
$865.99 - $865.99
$865.99
Google - Pixel 10 Pro XL 512GB (Unlocked) - Obsidian

Google - Pixel 10 Pro XL 512GB (Unlocked) - Obsidian

GOOGLE
$1,228.99 - $1,228.99
$1,228.99
$1,228.99 - $1,228.99
$1,228.99

Universal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Crick...

View full details
$1,228.99 - $1,228.99
$1,228.99
$1,228.99 - $1,228.99
$1,228.99
Samsung - Galaxy Z Fold7 256GB (Unlocked) - Jet Black

Samsung - Galaxy Z Fold7 256GB (Unlocked) - Jet Black

Samsung
$2,271.99 - $2,271.99
$2,271.99
$2,271.99 - $2,271.99
$2,271.99

Stay 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...

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$2,271.99 - $2,271.99
$2,271.99
$2,271.99 - $2,271.99
$2,271.99
Samsung - Galaxy Z Fold7 256GB (Unlocked) - Blue Shadow

Samsung - Galaxy Z Fold7 256GB (Unlocked) - Blue Shadow

Samsung
$2,271.99 - $2,271.99
$2,271.99
$2,271.99 - $2,271.99
$2,271.99

Stay 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 details
$2,271.99 - $2,271.99
$2,271.99
$2,271.99 - $2,271.99
$2,271.99
Samsung - Galaxy A17 5G 128GB (Unlocked) - Blue

Samsung - Galaxy A17 5G 128GB (Unlocked) - Blue

Samsung
$248.99 - $248.99
$248.99
$248.99 - $248.99
$248.99

Your 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...

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$248.99 - $248.99
$248.99
$248.99 - $248.99
$248.99
Motorola - moto g - 2025 128GB (Unlocked) - Forest Gray

Motorola - moto g - 2025 128GB (Unlocked) - Forest Gray

Motorola
$215.99 - $215.99
$215.99
$215.99 - $215.99
$215.99

Super-bright 6.7" display + Bass BoostTake your entertainment to the next level with a fast-refreshing 120Hz display and stereo sound with more pow...

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$215.99 - $215.99
$215.99
$215.99 - $215.99
$215.99
Google - Pixel 10a 128GB (Unlocked) - Berry

Google - Pixel 10a 128GB (Unlocked) - Berry

GOOGLE
$575.99 - $575.99
$575.99
$575.99 - $575.99
$575.99

Universal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Visib...

View full details
$575.99 - $575.99
$575.99
$575.99 - $575.99
$575.99
Google - Pixel 10a 128GB (Unlocked) - Obsidian

Google - Pixel 10a 128GB (Unlocked) - Obsidian

GOOGLE
$574.99 - $574.99
$574.99
$574.99 - $574.99
$574.99

Universal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Visib...

View full details
$574.99 - $574.99
$574.99
$574.99 - $574.99
$574.99
Google - Pixel 10a 128GB (Unlocked) - Fog

Google - Pixel 10a 128GB (Unlocked) - Fog

GOOGLE
$575.99 - $575.99
$575.99
$575.99 - $575.99
$575.99

Universal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Visib...

View full details
$575.99 - $575.99
$575.99
$575.99 - $575.99
$575.99
Google - Pixel 10a 128GB (Unlocked) - Lavender

Google - Pixel 10a 128GB (Unlocked) - Lavender

GOOGLE
$574.99 - $574.99
$574.99
$574.99 - $574.99
$574.99

Universal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Visib...

View full details
$574.99 - $574.99
$574.99
$574.99 - $574.99
$574.99
Google - Pixel 10a 256GB (Unlocked) - Lavender

Google - Pixel 10a 256GB (Unlocked) - Lavender

GOOGLE
$687.99 - $687.99
$687.99
$687.99 - $687.99
$687.99

Universal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Visib...

View full details
$687.99 - $687.99
$687.99
$687.99 - $687.99
$687.99
Google - Pixel 10a 256GB (Unlocked) - Obsidian

Google - Pixel 10a 256GB (Unlocked) - Obsidian

GOOGLE
$687.99 - $687.99
$687.99
$687.99 - $687.99
$687.99

Universal UnlockedCompatible with all major U.S. carriers including Verizon ATT and T-Mobile. Also compatible with prepaid carriers including Visib...

View full details
$687.99 - $687.99
$687.99
$687.99 - $687.99
$687.99
Motorola - razr 2026 256GB (Unlocked) - PANTONE Bright White

Motorola - razr 2026 256GB (Unlocked) - PANTONE Bright White

Motorola
$934.99 - $934.99
$934.99
$934.99 - $934.99
$934.99

Universal unlockedCompatible with all major U.S. carriers including Verizon ATT T-Mobile and other prepaid carriers.Do more without openingStay in ...

View full details
$934.99 - $934.99
$934.99
$934.99 - $934.99
$934.99

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.