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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!

Fitbit Air Charger - Only Compatible with Google Fitbit Air - Full Day of Charge in 5 Minutes - Snow

GOOGLE
Original price $41.99 - Original price $41.99
Original price
$41.99
$41.99 - $41.99
Current price $41.99

Works with Google Fitbit Air tracker only.178;Requires a USB-C compatible power adapter minimum 7.5W (not included).1m cable length.The Google Fitb...

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Original price $41.99 - Original price $41.99
Original price
$41.99
$41.99 - $41.99
Current price $41.99

Fitbit Air Performance Loop Band - One Size Micro-Adjustable - Only Compatible with Google Fitbit Air - Fog

GOOGLE
Original price $51.99 - Original price $51.99
Original price
$51.99
$51.99 - $51.99
Current price $51.99

Accessory band only (Tracker sold separately). Works with Google Fitbit Air tracker only.178;One size fits wrists 130-210 mm around with a micro-ad...

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Original price $51.99 - Original price $51.99
Original price
$51.99
$51.99 - $51.99
Current price $51.99

Apple - 46mm Blue Flame Nike Sport Band - M/L - Blue Flame

Apple
Original price $68.99 - Original price $68.99
Original price
$68.99
$68.99 - $68.99
Current price $68.99

Material Fluoroelastomer

Original price $68.99 - Original price $68.99
Original price
$68.99
$68.99 - $68.99
Current price $68.99

Samsung - Galaxy Watch Ultra Trail Band - White Sand

Samsung
Original price $109.99 - Original price $109.99
Original price
$109.99
$109.99 - $109.99
Current price $109.99

Customize your comfort and fitThe Trail Band features a lugless design that seamlessly blends with the Watch body ensuring a sleek look and a snug ...

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Original price $109.99 - Original price $109.99
Original price
$109.99
$109.99 - $109.99
Current price $109.99

Fitbit - Ace LTE - Courtside Active Band - Blue

Fitbit
Original price $51.99 - Original price $51.99
Original price
$51.99
$51.99 - $51.99
Current price $51.99

Ace Band made for Google Fitbit Ace LTE185;Every new Ace Band lets kids unlock new stuff like a new Noodle an outfit for their eejie and cool items...

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Original price $51.99 - Original price $51.99
Original price
$51.99
$51.99 - $51.99
Current price $51.99

Google - Pixel Watch 3 (45mm) Smartwatch with Obsidian Band - Wi-Fi - Matte Black - (2024)

GOOGLE
Original price $341.99 - Original price $341.99
Original price
$341.99
$341.99 - $341.99
Current price $341.99

Bigger display. Brighter screen.Twice as bright 40 more display and more responsive than before the Actua screen is designed to make it easy to se...

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Original price $341.99 - Original price $341.99
Original price
$341.99
$341.99 - $341.99
Current price $341.99

ZAGG - InvisibleShield Glass Elite 360 Bumper Screen Protection for Apple Watch Series 7 8 9 45mm SE/4 5 6 44mm - Clear

ZAGG
Original price $55.99 - Original price $55.99
Original price
$55.99
$55.99 - $55.99
Current price $55.99

Integrated screen and bumper coverageBumper and screen protector are integrated into one piece for fast easy installation and a perfect fit for you...

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Original price $55.99 - Original price $55.99
Original price
$55.99
$55.99 - $55.99
Current price $55.99

Garmin - Forerunner 570 GPS Smartwatch 47 mm Aluminum - Slate Gray Aluminum - (2025)

Garmin
Original price $531.99 - Original price $531.99
Original price
$531.99
$531.99 - $531.99
Current price $531.99

Garmin Coach adaptive training plansTrain for an event achieve a milestone or improve your fitness with Garmin Coach training plans for running tri...

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Original price $531.99 - Original price $531.99
Original price
$531.99
$531.99 - $531.99
Current price $531.99

Garmin - Venu X1 GPS Smartwatch 51 mm Fiber-reinforced polymer - Black with Slate Titanium Caseback - (2025)

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

Easy-to-read displaySee your data on our biggest 2-inch AMOLED display with a scratch-resistant sapphire lens. Enjoy all-day wearability thanks to ...

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

Insignia - Silicone and Nylon Bands for Apple Watch 38mm 40mm 41mm (2-Pack) and 42mm Series 10 - Stone/Hot Pink

Insignia
Original price $27.99 - Original price $27.99
Original price
$27.99
$27.99 - $27.99
Current price $27.99

Designed for your Apple WatchFits the Apple Watch 38mm 40mm 40mm SE (1 and 2) 41mm (all series) and 42mm Series 10.2-packChoose between two color a...

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Original price $27.99 - Original price $27.99
Original price
$27.99
$27.99 - $27.99
Current price $27.99

Garmin -vívoactive6 GPS Smartwatch 42mm Fiber-reinforced polymer Slate w/Blk Band - (2025)

Garmin
Original price $318.99 - Original price $318.99
Original price
$318.99
$318.99 - $318.99
Current price $318.99

Body battery energy monitoringSee your energy levels throughout the day so you’ll know when your body is charged up and ready for activity or drain...

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Original price $318.99 - Original price $318.99
Original price
$318.99
$318.99 - $318.99
Current price $318.99

Nomad - Sport Band for Apple Watch174 42 44 45mm (Series 1-8) and Apple Watch Ultra - Black

Nomad
Original price $61.99 - Original price $61.99
Original price
$61.99
$61.99 - $61.99
Current price $61.99

Compatible with Apple WatchDesigned for Apple Watch 42mm Series 1 Series 2 Series 3 Apple Watch 44mm Series 4 Series 5 Series 6 Apple Watch 44mm ...

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Original price $61.99 - Original price $61.99
Original price
$61.99
$61.99 - $61.99
Current price $61.99

WITHit - Textured Elastic Nylon Band and Colorpop Silicone Band for 20mm Samsung Galaxy 6 (2-Pack) - Black

WITHit
Original price $47.99 - Original price $47.99
Original price
$47.99
$47.99 - $47.99
Current price $47.99

Samsung compatible bandCompatible with all Samsung brand 20mm smart watch devices. Designed with quick release pins for easy attachment and removal...

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Original price $47.99 - Original price $47.99
Original price
$47.99
$47.99 - $47.99
Current price $47.99

Best Buy essentials - Nylon Band for Apple Watch 38mm 40mm 41mm SE (2-Pack) and 42mm Series 10 - Rose Gold and Eucalyptus

Best Buy essentials
Original price $29.99 - Original price $29.99
Original price
$29.99
$29.99 - $29.99
Current price $29.99

Designed for your Apple WatchFits Apple Watch 38mm 40mm 41mm (all series) Apple Watch SE and 42mm Series 10.2 packTwo color options provide just wh...

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Original price $29.99 - Original price $29.99
Original price
$29.99
$29.99 - $29.99
Current price $29.99

Insignia - Stainless Steel Mesh Band for Apple Watch 38mm 40mm 41mm SE and 42mm Series 10 - Black

Insignia
Original price $43.99 - Original price $43.99
Original price
$43.99
$43.99 - $43.99
Current price $43.99

Designed for your Apple WatchFits Apple Watch 38mm 40mm 41mm (all series) Apple Watch SE and 42mm Series 10.Mesh stainless steel bandCombines the f...

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Original price $43.99 - Original price $43.99
Original price
$43.99
$43.99 - $43.99
Current price $43.99

ZAGG - InvisibleShield Ultra Eco Edge-to-edge Plant-Based Screen Protector for Apple Watch Series 11/10 Large - Clear

ZAGG
Original price $35.99 - Original price $35.99
Original price
$35.99
$35.99 - $35.99
Current price $35.99

Plant-based MaterialsUltra Eco is made with up to 99 plant-based materials.Impact Scratch ProtectionProvides edge-to-edge protection against scrat...

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Original price $35.99 - Original price $35.99
Original price
$35.99
$35.99 - $35.99
Current price $35.99

ZAGG - InvisibleShield Glass XTR4 Eco Advanced Edge-to-Edge Anti-Reflective Screen Protector for Apple Watch Ultra 2/1 49mm - Black

ZAGG
Original price $60.99 - Original price $60.99
Original price
$60.99
$60.99 - $60.99
Current price $60.99

Up to 11X StrongerXTR4'screen protection fortified with graphene has been tested up to 11X stronger than traditional glass screen protection.Fortif...

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Original price $60.99 - Original price $60.99
Original price
$60.99
$60.99 - $60.99
Current price $60.99

Oura Ring 4 Charger - Size 12 - Charging Dock and USB-C Cable - Charges Oura Ring 4 up to 8 days - Grey

Oura
Original price $85.99 - Original price $85.99
Original price
$85.99
$85.99 - $85.99
Current price $85.99

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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Original price $85.99 - Original price $85.99
Original price
$85.99
$85.99 - $85.99
Current price $85.99

ZAGG - InvisibleShield Ultra Advanced Scratch Shatter Screen Protector for Samsung Galaxy WatchFE/4 40mm Watch6/5 44mm - Clear

Zagg Incorporated
Original price $29.99 - Original price $29.99
Original price
$29.99
$29.99 - $29.99
Current price $29.99

Shatter protectionUltra Clear+ provides edge-to-edge impact and shatter protection.Contains antimicrobial treatmentUltra Clear+ contains antimicrob...

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Original price $29.99 - Original price $29.99
Original price
$29.99
$29.99 - $29.99
Current price $29.99

Insignia - Braided Nylon Band for Apple Watch 38mm 40mm 41mm (All Series) and 42mm Series 10 - Stone

Insignia
Original price $34.99 - Original price $34.99
Original price
$34.99
$34.99 - $34.99
Current price $34.99

Designed for your Apple WatchFits Apple Watch 38mm 40mm 41mm (all series) and 42mm Series 10.Braided nylon bandGrants a comfortable experience for ...

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Original price $34.99 - Original price $34.99
Original price
$34.99
$34.99 - $34.99
Current price $34.99

Raptic - 360x for 45mm Apple Watch - Clear

Raptic
Original price $24.99 - Original price $24.99
Original price
$24.99
$24.99 - $24.99
Current price $24.99

Compatible with Apple Watch 45mmWorks with All 45mm Apple Watch Series 7Durable TPU materialSaves your smartwatch from drops and impacts.Integrate...

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Original price $24.99 - Original price $24.99
Original price
$24.99
$24.99 - $24.99
Current price $24.99

Fitbit Air Active Band - Workout-Friendly Silicone Band - Only Compatible with Google Fitbit Air - Small - Obsidian

GOOGLE
Original price $51.99 - Original price $51.99
Original price
$51.99
$51.99 - $51.99
Current price $51.99

Accessory band only (Tracker sold separately). Works with Google Fitbit Air tracker only.178;Small band fits wrists 130-175mm around.178; Also avai...

View full details
Original price $51.99 - Original price $51.99
Original price
$51.99
$51.99 - $51.99
Current price $51.99

Samsung - Sport Band for Galaxy Watch8 and Galaxy Watch8 Classic M/L - Blue

Samsung
Original price $72.99 - Original price $72.99
Original price
$72.99
$72.99 - $72.99
Current price $72.99

Train harder with active level comfortStay on top of your daily fitness routine with the Sport Band. Whether you're running swimming cycling or doi...

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Original price $72.99 - Original price $72.99
Original price
$72.99
$72.99 - $72.99
Current price $72.99

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

Apple
Original price $519.99 - Original price $519.99
Original price
$519.99
$519.99 - $519.99
Current price $519.99

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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Original price $519.99 - Original price $519.99
Original price
$519.99
$519.99 - $519.99
Current price $519.99

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

Apple
Original price $327.99 - Original price $327.99
Original price
$327.99
$327.99 - $327.99
Current price $327.99

HEALTH ESSENTIALS—Temperature sensing8308; enables richer insights in the Vitals app185; and retrospective ovulation estimates. You’ll also get a d...

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Original price $327.99 - Original price $327.99
Original price
$327.99
$327.99 - $327.99
Current price $327.99

Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Titanium Milanese Loop - Medium - Black - (2025)

Apple
Original price $979.99 - Original price $979.99
Original price
$979.99
$979.99 - $979.99
Current price $979.99

RUGGED AND READY TO GO—The ultimate sports and adventure watch is built to last with an extremely tough titanium case and a strong sapphire crystal...

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Original price $979.99 - Original price $979.99
Original price
$979.99
$979.99 - $979.99
Current price $979.99

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

Apple
Original price $408.99 - Original price $408.99
Original price
$408.99
$408.99 - $408.99
Current price $408.99

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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Original price $408.99 - Original price $408.99
Original price
$408.99
$408.99 - $408.99
Current price $408.99

OtterBox - Apple Watch Band 40/41/42mm Blu - Baby Bluejeans

Otterbox
Original price $37.99 - Original price $37.99
Original price
$37.99
$37.99 - $37.99
Current price $37.99

Designed to compliment and work with Apple Watch 40/41/42mmdevice.Premium soft touch watch bandMade of a durable soft touch silicone material.Sweat...

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Original price $37.99 - Original price $37.99
Original price
$37.99
$37.99 - $37.99
Current price $37.99

Garmin - fenix 8 AMOLED Sapphire GPS Smartwatch 43mm Fiber-reinforced polymer - Soft Gold - (2024)

Garmin
Original price $991.99 - Original price $991.99
Original price
$991.99
$991.99 - $991.99
Current price $991.99

Rugged by designBuilt to endure this premium design is dive-rated and features leakproof buttons a metal sensor guard cover and bright 1.3 AMOLED d...

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Original price $991.99 - Original price $991.99
Original price
$991.99
$991.99 - $991.99
Current price $991.99

Amazfit - Active 3 Premium 45mm Smartwatch - Apex Silver - Silver - (2026)

Amazfit
Original price $204.99 - Original price $204.99
Original price
$204.99
$204.99 - $204.99
Current price $204.99

Built for RunnersFeatures a durable stainless steel frame sapphire glass and a lightweight build. The vibrant 1.32" AMOLED display ensures your dat...

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Original price $204.99 - Original price $204.99
Original price
$204.99
$204.99 - $204.99
Current price $204.99

Oura - Ring 5 Official Charging Case - Size 6 - Up to a month of battery life - USB-C Cord Compatible - Black

Oura
Original price $133.99 - Original price $133.99
Original price
$133.99
$133.99 - $133.99
Current price $133.99

MADE BY OURAUnauthorized Oura Ring chargers may permanently damage the ring batteryUP TO A MONTH OF BATTERYGet up to 30 days of battery life from a...

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Original price $133.99 - Original price $133.99
Original price
$133.99
$133.99 - $133.99
Current price $133.99

Fitbit - Ace LTE - Kids Smartwatch with In-App Calling Messaging GPS - Mild - (2024)

Fitbit
Original price $246.99 - Original price $246.99
Original price
$246.99
$246.99 - $246.99
Current price $246.99

Independence for them. Peace of mind for you.With advanced location technology powered by Google you’ll know where your child is and that they got ...

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Original price $246.99 - Original price $246.99
Original price
$246.99
$246.99 - $246.99
Current price $246.99

Samsung - Galaxy Watch8 Aluminum Smartwatch 40mm BT - Graphite - (2025)

Samsung
Original price $334.99 - Original price $334.99
Original price
$334.99
$334.99 - $334.99
Current price $334.99

Why to Buy Galaxy Watch8Advanced health-and sleep-tracking features for personalized insights and tips to help you improve. A lighter more snug des...

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Original price $334.99 - Original price $334.99
Original price
$334.99
$334.99 - $334.99
Current price $334.99

Garmin - Venu 3 GPS Smartwatch 45 mm Fiber-reinforced polymer - Stainless Steel and Black - (2023)

Garmin
Original price $416.99 - Original price $416.99
Original price
$416.99
$416.99 - $416.99
Current price $416.99

Bright AMOLED display and long battery lifeDesigned with a bright colorful display get a more complete picture of your health thanks to battery lif...

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Original price $416.99 - Original price $416.99
Original price
$416.99
$416.99 - $416.99
Current price $416.99

ZAGG - InvisibleShield Glass Elite 360 Integrated Bumper + Screen Protection for Apple Watch Series 11/10 Large - Clear

ZAGG
Original price $55.99 - Original price $55.99
Original price
$55.99
$55.99 - $55.99
Current price $55.99

Integrated Screen and Bumper CoverageThe polycarbonate bumper and glass screen protector are integrated into one piece for quick installation and a...

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Original price $55.99 - Original price $55.99
Original price
$55.99
$55.99 - $55.99
Current price $55.99

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

Oura
Original price $82.99 - Original price $82.99
Original price
$82.99
$82.99 - $82.99
Current price $82.99

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...

View full details
Original price $82.99 - Original price $82.99
Original price
$82.99
$82.99 - $82.99
Current price $82.99

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.