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Fitness Equipment & Tech

Rent To Own Fitness Equipment & Tech – Get Fit with Flexible Financing

Transform your fitness routine with premium equipment and tech from Finance My Cart. Whether you’re looking for a treadmill, stationary bike, smartwatches, or fitness trackers, we offer top brands like NordicTrack, Peloton, Fitbit, and more. With our rent-to-own and buy now, pay later payment plans, you can bring home the equipment you need without the large upfront cost. Enjoy affordable monthly payments, free shipping, and financing options tailored to fit your budget and credit situation. Achieve your fitness goals today with flexible financing that works for you!

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Garmin - Venu 4 GPS Smartwatch 45 mm Fiber-reinforced polymer - Silver - (2025)
$621.99 - $621.99
$621.99
$621.99 - $621.99
$621.99

Garmin - Venu 4 GPS Smartwatch 45 mm Fiber-reinforced polymer - Silver - (2025)

Garmin

24/7 Health monitoringMake improvements toward a healthier lifestyle with extensive health monitoring features such as Body Battery energy monitori...

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$621.99 - $621.99
$621.99
$621.99 - $621.99
$621.99
Samsung - Galaxy Watch7 Aluminum Smartwatch 40mm BT - Green - (2024)
$245.99 - $245.99
$245.99
$245.99 - $245.99
$245.99

Samsung - Galaxy Watch7 Aluminum Smartwatch 40mm BT - Green - (2024)

Samsung

Push past yesterdayLooking for a great way to bring out your personal best every day Challenge yourself to excel on your next run or bike ride usin...

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$245.99 - $245.99
$245.99
$245.99 - $245.99
$245.99
WHOOP - SportFlex Accessory Band - Compatible with 5.0 One and Peak - CR7 Away
$76.99 - $76.99
$76.99
$76.99 - $76.99
$76.99

WHOOP - SportFlex Accessory Band - Compatible with 5.0 One and Peak - CR7 Away

Whoop

BUILT FOR HIGH PERFORMANCESportFlex is designed with waterproof sweatproof and dirtproof silicone. It’s highly durable and designed to withstand yo...

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$76.99 - $76.99
$76.99
$76.99 - $76.99
$76.99
Google - Pixel Watch 2 Woven Band - Compatible with the Pixel Watch Pixel Watch 2 41mm Pixel Watch 3 and 41mm Pixel Watch 4 - Bay
$77.99 - $77.99
$77.99
$77.99 - $77.99
$77.99

Google - Pixel Watch 2 Woven Band - Compatible with the Pixel Watch Pixel Watch 2 41mm Pixel Watch 3 and 41mm Pixel Watch 4 - Bay

GOOGLE

Rock your favorite Pixel Watch band.Easily accessorize your watch for different occasions. The band is easy to switch out quickly and securely. Goo...

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$77.99 - $77.99
$77.99
$77.99 - $77.99
$77.99
Xplora - Kids’ XGO3 Jungle Edition (GPS + Cellular) Smart Watch Calls Messages SOS GPS Tracker Camera Step Counter SIM Card - Pink - (2025)
$161.99 - $161.99
$161.99
$161.99 - $161.99
$161.99

Xplora - Kids’ XGO3 Jungle Edition (GPS + Cellular) Smart Watch Calls Messages SOS GPS Tracker Camera Step Counter SIM Card - Pink - (2025)

Xplora

Voice Calls and MessagesXplora’s XGO3 can make calls to and receive calls from up to 50 numbers pre-saved in the easy-to-use parental app. Similar ...

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$161.99 - $161.99
$161.99
$161.99 - $161.99
$161.99
Apple Watch Series 11 (GPS) 46mm Rose Gold Aluminum Case with Light Blush Sport Band - S/M - Rose Gold - (2025)
$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99

Apple Watch Series 11 (GPS) 46mm Rose Gold Aluminum Case with Light Blush Sport Band - S/M - Rose Gold - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.KNOW YOUR SL...

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$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99
Apple Watch Series 11 (GPS) 46mm Jet Black Aluminum Case with Black Sport Band - M/L - Jet Black - (2025)
$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99

Apple Watch Series 11 (GPS) 46mm Jet Black Aluminum Case with Black Sport Band - M/L - Jet Black - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.KNOW YOUR SL...

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$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99
Apple Watch Series 11 (GPS) 42mm Silver Aluminum Case with Purple Fog Sport Band - S/M - Silver - (2025)
$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99

Apple Watch Series 11 (GPS) 42mm Silver Aluminum Case with Purple Fog Sport Band - S/M - Silver - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.KNOW YOUR SL...

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$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99
Apple Watch Series 11 (GPS+Cellular) 46mm Aluminum Case with Purple Fog Sport Band - S/M - Silver - (2025)
$613.99 - $613.99
$613.99
$613.99 - $613.99
$613.99

Apple Watch Series 11 (GPS+Cellular) 46mm Aluminum Case with Purple Fog Sport Band - S/M - Silver - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.185;KNOW YOU...

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$613.99 - $613.99
$613.99
$613.99 - $613.99
$613.99
Apple Watch Series 11 (GPS) 46mm Space Gray Aluminum Case with Black Sport Band - M/L - Space Gray - (2025)
$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99

Apple Watch Series 11 (GPS) 46mm Space Gray Aluminum Case with Black Sport Band - M/L - Space Gray - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.KNOW YOUR SL...

View full details
$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99
Apple Watch Series 11 (GPS+Cellular) 46mm Aluminum Case with Black Sport Band - S/M - Space Gray - (2025)
$613.99 - $613.99
$613.99
$613.99 - $613.99
$613.99

Apple Watch Series 11 (GPS+Cellular) 46mm Aluminum Case with Black Sport Band - S/M - Space Gray - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.185;KNOW YOU...

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$613.99 - $613.99
$613.99
$613.99 - $613.99
$613.99
Apple Watch Series 11 (GPS) 42mm Rose Gold Aluminum Case with Light Blush Sport Band - S/M - Rose Gold - (2025)
$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99

Apple Watch Series 11 (GPS) 42mm Rose Gold Aluminum Case with Light Blush Sport Band - S/M - Rose Gold - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.KNOW YOUR SL...

View full details
$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99
Apple Watch Series 11 (GPS) 46mm Jet Black Aluminum Case with Black Sport Band - S/M - Jet Black - (2025)
$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99

Apple Watch Series 11 (GPS) 46mm Jet Black Aluminum Case with Black Sport Band - S/M - Jet Black - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.KNOW YOUR SL...

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$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99
Apple Watch Series 11 (GPS+Cellular) 46mm Titanium Case with Gold Milanese Loop - M/L - Gold - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

Apple Watch Series 11 (GPS+Cellular) 46mm Titanium Case with Gold Milanese Loop - M/L - Gold - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.185;KNOW YOU...

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$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch Series 11 (GPS) 42mm Jet Black Aluminum Case with Black Sport Band - S/M - Jet Black - (2025)
$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99

Apple Watch Series 11 (GPS) 42mm Jet Black Aluminum Case with Black Sport Band - S/M - Jet Black - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.KNOW YOUR SL...

View full details
$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99
Apple Watch Series 11 (GPS+Cellular) 46mm Aluminum Case with Light Blush Sport Band - S/M - Rose Gold - (2025)
$613.99 - $613.99
$613.99
$613.99 - $613.99
$613.99

Apple Watch Series 11 (GPS+Cellular) 46mm Aluminum Case with Light Blush Sport Band - S/M - Rose Gold - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.185;KNOW YOU...

View full details
$613.99 - $613.99
$613.99
$613.99 - $613.99
$613.99
Apple Watch Series 11 (GPS) 42mm Space Gray Aluminum Case with Black Sport Band - S/M - Space Gray - (2025)
$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99

Apple Watch Series 11 (GPS) 42mm Space Gray Aluminum Case with Black Sport Band - S/M - Space Gray - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.KNOW YOUR SL...

View full details
$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99
Apple Watch Series 11 (GPS) 46mm Silver Aluminum Case with Purple Fog Sport Band - S/M - Silver - (2025)
$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99

Apple Watch Series 11 (GPS) 46mm Silver Aluminum Case with Purple Fog Sport Band - S/M - Silver - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.KNOW YOUR SL...

View full details
$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99
Apple Watch Series 11 (GPS) 46mm Rose Gold Aluminum Case with Light Blush Sport Band - M/L - Rose Gold - (2025)
$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99

Apple Watch Series 11 (GPS) 46mm Rose Gold Aluminum Case with Light Blush Sport Band - M/L - Rose Gold - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.KNOW YOUR SL...

View full details
$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99
Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Navy Ocean Band - Natural - (2024)
$756.99 - $756.99
$756.99
$756.99 - $756.99
$756.99

Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Navy Ocean Band - Natural - (2024)

Apple

WHY APPLE WATCH ULTRA 2—Meet the ultimate sports and adventure watch. Advanced features for runners cyclists swimmers hikers divers and more. Rugge...

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$756.99 - $756.99
$756.99
$756.99 - $756.99
$756.99
Samsung - Galaxy Watch7 Aluminum Smartwatch 44mm BT - Silver - (2024)
$257.99 - $257.99
$257.99
$257.99 - $257.99
$257.99

Samsung - Galaxy Watch7 Aluminum Smartwatch 44mm BT - Silver - (2024)

Samsung

Push past yesterdayLooking for a great way to bring out your personal best every day Challenge yourself to excel on your next run or bike ride usin...

View full details
$257.99 - $257.99
$257.99
$257.99 - $257.99
$257.99
Apple Watch Series 11 (GPS+Cellular) 46mm Aluminum Case with Light Blush Sport Band - M/L - Rose Gold - (2025)
$613.99 - $613.99
$613.99
$613.99 - $613.99
$613.99

Apple Watch Series 11 (GPS+Cellular) 46mm Aluminum Case with Light Blush Sport Band - M/L - Rose Gold - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.185;KNOW YOU...

View full details
$613.99 - $613.99
$613.99
$613.99 - $613.99
$613.99
BowFlex - Results Series 552 SelectTech Dumbbell Pair - Black
$661.99 - $661.99
$661.99
$661.99 - $661.99
$661.99

BowFlex - Results Series 552 SelectTech Dumbbell Pair - Black

Bowflex

1 U.S. Brand in Adjustable DumbbellsAs ranked by Circana.Quick Adjustment DialsSwitch between weight settings with a quick twist of the dials from ...

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$661.99 - $661.99
$661.99
$661.99 - $661.99
$661.99
Oura - Ring 4 Charger - Size 10 - Charging Dock and USB-C Cable - Charges Ring 4 up to 8 days - Gray
$79.99 - $79.99
$79.99
$79.99 - $79.99
$79.99

Oura - Ring 4 Charger - Size 10 - Charging Dock and USB-C Cable - Charges Ring 4 up to 8 days - Gray

Oura

Chargers are size-specificYour Oura Ring 4 size can be found on the inside of your Oura Ring 4.Charging timeYour Oura Ring 4 typically charges full...

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$79.99 - $79.99
$79.99
$79.99 - $79.99
$79.99
Apple Watch SE 3 (GPS) 44mm Starlight Aluminum Case with Starlight Sport Band - S/M - Starlight - (2025)
$330.99 - $330.99
$330.99
$330.99 - $330.99
$330.99

Apple Watch SE 3 (GPS) 44mm Starlight Aluminum Case with Starlight Sport Band - S/M - Starlight - (2025)

Apple

HEALTH ESSENTIALS—Temperature sensing enables richer insights in the Vitals app and retrospective ovulation estimates. You’ll also get a daily slee...

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$330.99 - $330.99
$330.99
$330.99 - $330.99
$330.99
Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Black Titanium Milanese Loop - Large - Black - (2024)
$871.99 - $871.99
$871.99
$871.99 - $871.99
$871.99

Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Black Titanium Milanese Loop - Large - Black - (2024)

Apple

WHY APPLE WATCH ULTRA 2—Meet the ultimate sports and adventure watch. Advanced features for runners cyclists swimmers hikers divers and more. Rugge...

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$871.99 - $871.99
$871.99
$871.99 - $871.99
$871.99
Garmin - vívosmart 5 Smart Fitness Tracker + Heart Rate Small/Medium - Black - (2023)
$194.99 - $194.99
$194.99
$194.99 - $194.99
$194.99

Garmin - vívosmart 5 Smart Fitness Tracker + Heart Rate Small/Medium - Black - (2023)

Garmin

Simple easy-to-use designEasy-to-use comfortable smart fitness tracker once setup through the Garmin Connect app has a touchscreen and button inter...

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$194.99 - $194.99
$194.99
$194.99 - $194.99
$194.99
NordicTrack - T Series 16 Folding Treadmill with Incline Decline 16" Smart HD Touchscreen Powered by iFIT - Black
$1,767.99 - $1,767.99
$1,767.99
$1,767.99 - $1,767.99
$1,767.99

NordicTrack - T Series 16 Folding Treadmill with Incline Decline 16" Smart HD Touchscreen Powered by iFIT - Black

Nordictrack

Powered by iFITWith the iFIT Pro Membership access over 10000 workouts on your smart treadmill. Just press start and your machine auto-adjusts to m...

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$1,767.99 - $1,767.99
$1,767.99
$1,767.99 - $1,767.99
$1,767.99
Apple Watch SE 3 (GPS) 44mm Starlight Aluminum Case with Starlight Sport Band - M/L - Starlight - (2025)
$330.99 - $330.99
$330.99
$330.99 - $330.99
$330.99

Apple Watch SE 3 (GPS) 44mm Starlight Aluminum Case with Starlight Sport Band - M/L - Starlight - (2025)

Apple

HEALTH ESSENTIALS—Temperature sensing enables richer insights in the Vitals app and retrospective ovulation estimates. You’ll also get a daily slee...

View full details
$330.99 - $330.99
$330.99
$330.99 - $330.99
$330.99
Apple Watch Series 11 (GPS+Cellular) 46mm Aluminum Case with Black Sport Band - M/L - Space Gray - (2025)
$613.99 - $613.99
$613.99
$613.99 - $613.99
$613.99

Apple Watch Series 11 (GPS+Cellular) 46mm Aluminum Case with Black Sport Band - M/L - Space Gray - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.185;KNOW YOU...

View full details
$613.99 - $613.99
$613.99
$613.99 - $613.99
$613.99
Apple Watch SE 3 (GPS) 44mm Midnight Aluminum Case with Midnight Sport Band - S/M - Midnight - (2025)
$330.99 - $330.99
$330.99
$330.99 - $330.99
$330.99

Apple Watch SE 3 (GPS) 44mm Midnight Aluminum Case with Midnight Sport Band - S/M - Midnight - (2025)

Apple

HEALTH ESSENTIALS—Temperature sensing enables richer insights in the Vitals app and retrospective ovulation estimates. You’ll also get a daily slee...

View full details
$330.99 - $330.99
$330.99
$330.99 - $330.99
$330.99
Apple Watch SE 3 (GPS) 40mm Midnight Aluminum Case with Midnight Sport Band - M/L - Midnight - (2025)
$308.99 - $308.99
$308.99
$308.99 - $308.99
$308.99

Apple Watch SE 3 (GPS) 40mm Midnight Aluminum Case with Midnight Sport Band - M/L - Midnight - (2025)

Apple

HEALTH ESSENTIALS—Temperature sensing enables richer insights in the Vitals app and retrospective ovulation estimates. You’ll also get a daily slee...

View full details
$308.99 - $308.99
$308.99
$308.99 - $308.99
$308.99
Apple Watch SE 3 (GPS) 40mm Starlight Aluminum Case with Starlight Sport Band - M/L - Starlight - (2025)
$308.99 - $308.99
$308.99
$308.99 - $308.99
$308.99

Apple Watch SE 3 (GPS) 40mm Starlight Aluminum Case with Starlight Sport Band - M/L - Starlight - (2025)

Apple

HEALTH ESSENTIALS—Temperature sensing enables richer insights in the Vitals app and retrospective ovulation estimates. You’ll also get a daily slee...

View full details
$308.99 - $308.99
$308.99
$308.99 - $308.99
$308.99
NordicTrack - T Series 16 Treadmill with iFIT - Black
$1,767.99 - $1,767.99
$1,767.99
$1,767.99 - $1,767.99
$1,767.99

NordicTrack - T Series 16 Treadmill with iFIT - Black

Nordictrack

Powered by iFITWith the iFIT Pro Membership access over 10000 workouts on your smart treadmill. Just press start and your machine auto-adjusts to m...

View full details
$1,767.99 - $1,767.99
$1,767.99
$1,767.99 - $1,767.99
$1,767.99
Horizon - Fitness T202 Treadmill - Black
$1,125.99 - $1,125.99
$1,125.99
$1,125.99 - $1,125.99
$1,125.99

Horizon - Fitness T202 Treadmill - Black

Horizon

BLUETOOTH CONNECTIVITYBluetooth connects to your device to stream media through integrated speakersSPEED INCLINE CONTROLSQuickly shift speed and i...

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$1,125.99 - $1,125.99
$1,125.99
$1,125.99 - $1,125.99
$1,125.99
CASETiFY - Impact Band for Apple Watch 42mm 44mm 45mm and Apple Watch Ultra 49mm (All Series) - Camo Over
$69.99 - $69.99
$69.99
$69.99 - $69.99
$69.99

CASETiFY - Impact Band for Apple Watch 42mm 44mm 45mm and Apple Watch Ultra 49mm (All Series) - Camo Over

Casetify

Designed for your Apple WatchFits the Apple Watch 42mm 44mm 45mm (all series) Apple Watch Ultra 49mm and Apple Watch Ultra 2 49mm.Premium soft fle...

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$69.99 - $69.99
$69.99
$69.99 - $69.99
$69.99

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.