Lease-to-Own Cell Phones (Unlocked)

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.