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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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NEXT - All Day Executive Band 3-Pack for Apple Watch 44mm 45mm 46mm 49mm - Multi

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

Daybreak WeaveDaybreak Weave is a soft breathable woven band designed for all-day comfort. Its casual lightweight style makes it the perfect choice...

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

NEXT - All Day Premium Band 3-Pack for Apple Watch 38mm 40mm 41mm 42mm - Multi

NEXT
Original price $76.99 - Original price $76.99
Original price
$76.99
$76.99 - $76.99
Current price $76.99

Studio FlowStudio Flow is a soft breathable woven band in a fresh pink finish. Lightweight and comfortable it brings an easy pop of color to workou...

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Original price $76.99 - Original price $76.99
Original price
$76.99
$76.99 - $76.99
Current price $76.99

Apple Watch Series 12 GPS + Cellular 42mm Aluminum Case with Navy Blue Sport Band - M/L - Space Gray - (2026)

Apple
Original price $579.99 - Original price $579.99
Original price
$579.99
$579.99 - $579.99
Current price $579.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $579.99 - Original price $579.99
Original price
$579.99
$579.99 - $579.99
Current price $579.99

Apple Watch SE 3 GPS + Cellular 40mm Starlight Aluminum Case with Sand Sport Band - M/L - Starlight - (2026)

Apple
Original price $353.99 - Original price $353.99
Original price
$353.99
$353.99 - $353.99
Current price $353.99

GET ESSENTIAL HEALTH INSIGHTS—Apple Watch SE 3 is an advanced health tracker. Temperature sensing8309; enables insights in the Vitals app 185; and ...

View full details
Original price $353.99 - Original price $353.99
Original price
$353.99
$353.99 - $353.99
Current price $353.99

Apple Watch Series 12 GPS + Cellular 42mm Aluminum Case with Olive Sport Band - M/L - Dark Bronze - (2026)

Apple
Original price $579.99 - Original price $579.99
Original price
$579.99
$579.99 - $579.99
Current price $579.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $579.99 - Original price $579.99
Original price
$579.99
$579.99 - $579.99
Current price $579.99

Apple Watch Series 12 GPS + Cellular 46mm Ceramic Case with Navy Blue Sport Band - S/M - Night Blue - (2026)

Apple
Original price $1,078.99 - Original price $1,078.99
Original price
$1,078.99
$1,078.99 - $1,078.99
Current price $1,078.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $1,078.99 - Original price $1,078.99
Original price
$1,078.99
$1,078.99 - $1,078.99
Current price $1,078.99

Apple Watch Series 12 GPS + Cellular 42mm Titanium Case with Burgundy Sport Band - S/M - Radiant Gold - (2026)

Apple
Original price $798.99 - Original price $798.99
Original price
$798.99
$798.99 - $798.99
Current price $798.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $798.99 - Original price $798.99
Original price
$798.99
$798.99 - $798.99
Current price $798.99

Apple Watch Series 12 GPS + Cellular 46mm Aluminum Case with Navy Blue Sport Band - S/M - Space Gray - (2026)

Apple
Original price $636.99 - Original price $636.99
Original price
$636.99
$636.99 - $636.99
Current price $636.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $636.99 - Original price $636.99
Original price
$636.99
$636.99 - $636.99
Current price $636.99

Apple Watch Series 12 GPS + Cellular 42mm Aluminum Case with Dark Bronze Milanese Loop - Dark Bronze - (2026)

Apple
Original price $636.99 - Original price $636.99
Original price
$636.99
$636.99 - $636.99
Current price $636.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $636.99 - Original price $636.99
Original price
$636.99
$636.99 - $636.99
Current price $636.99

Horizon - Fitness T202 Treadmill - Black

Horizon
Original price $1,125.99 - Original price $1,125.99
Original price
$1,125.99
$1,125.99 - $1,125.99
Current price $1,125.99

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

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Original price $1,125.99 - Original price $1,125.99
Original price
$1,125.99
$1,125.99 - $1,125.99
Current price $1,125.99

Samsung - Galaxy Watch Ultra Marine Band - Green

Samsung
Original price $108.99 - Original price $108.99
Original price
$108.99
$108.99 - $108.99
Current price $108.99

Customize your comfort and fitThe Marine Band for Galaxy Watch Ultra features a lugless design that seamlessly blends with the Watch body ensuring ...

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Original price $108.99 - Original price $108.99
Original price
$108.99
$108.99 - $108.99
Current price $108.99

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

Samsung
Original price $322.99 - Original price $322.99
Original price
$322.99
$322.99 - $322.99
Current price $322.99

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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Original price $322.99 - Original price $322.99
Original price
$322.99
$322.99 - $322.99
Current price $322.99

NordicTrack - Treadmill Mat - Black

Nordictrack
Original price $90.99 - Original price $90.99
Original price
$90.99
$90.99 - $90.99
Current price $90.99

Treadmill floor matProtects your floor from damage and scratches while using exercise equipment.40" x 80" sizeProvides maximum coverage.Vinyl const...

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Original price $90.99 - Original price $90.99
Original price
$90.99
$90.99 - $90.99
Current price $90.99

NordicTrack - Commercial 1250 Treadmill with 10" Tilting Touchscreen - Black

Nordictrack
Original price $1,854.99 - Original price $1,854.99
Original price
$1,854.99
$1,854.99 - $1,854.99
Current price $1,854.99

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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Original price $1,854.99 - Original price $1,854.99
Original price
$1,854.99
$1,854.99 - $1,854.99
Current price $1,854.99

Samsung - Marine Band for Galaxy Watch Ultra - Blue

Samsung
Original price $91.99 - Original price $91.99
Original price
$91.99
$91.99 - $91.99
Current price $91.99

Customize your comfort and fitThe Marine Band for Galaxy Watch Ultra features a lugless design that seamlessly blends with the Watch body ensuring ...

View full details
Original price $91.99 - Original price $91.99
Original price
$91.99
$91.99 - $91.99
Current price $91.99

Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Light Blue Alpine Loop - Large - Natural - (2025)

Apple
Original price $755.99 - Original price $755.99
Original price
$755.99
$755.99 - $755.99
Current price $755.99

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 $755.99 - Original price $755.99
Original price
$755.99
$755.99 - $755.99
Current price $755.99

Schwinn - IC4 Indoor Cycling Exercise Bike - Gray

Bowflex
Original price $1,115.99 - Original price $1,115.99
Original price
$1,115.99
$1,115.99 - $1,115.99
Current price $1,115.99

2-Month Free TrialTry our JRNY All-Access Membership for 2 months free.JRNY All-Access MembershipFitness + fun with just-for-you adaptive workouts ...

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Original price $1,115.99 - Original price $1,115.99
Original price
$1,115.99
$1,115.99 - $1,115.99
Current price $1,115.99

Oura - Ring 5 Official Charging Case - Size 12 - 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

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...

View full details
Original price $133.99 - Original price $133.99
Original price
$133.99
$133.99 - $133.99
Current price $133.99

Oura - Ring 5 Official Charging Case - Size 8 - 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...

View full details
Original price $133.99 - Original price $133.99
Original price
$133.99
$133.99 - $133.99
Current price $133.99

Apple Watch Series 12 GPS + Cellular 46mm Aluminum Case with Dark Bronze Milanese Loop - M/L - Dark Bronze - (2026)

Apple
Original price $693.99 - Original price $693.99
Original price
$693.99
$693.99 - $693.99
Current price $693.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $693.99 - Original price $693.99
Original price
$693.99
$693.99 - $693.99
Current price $693.99

Apple Watch Series 12 GPS 42mm Aluminum Case with Dark Bronze Milanese Loop - Dark Bronze - (2026)

Apple
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

Apple Watch SE 3 GPS 44mm Starlight Aluminum Case with Sand Sport Band - M/L - Starlight - (2026)

Apple
Original price $330.99 - Original price $330.99
Original price
$330.99
$330.99 - $330.99
Current price $330.99

GET ESSENTIAL HEALTH INSIGHTS—Apple Watch SE 3 is an advanced health tracker. Temperature sensing8309; enables insights in the Vitals app 185; and ...

View full details
Original price $330.99 - Original price $330.99
Original price
$330.99
$330.99 - $330.99
Current price $330.99

Apple Watch SE 3 GPS + Cellular 44mm Starlight Aluminum Case with Sand Sport Band - S/M - Starlight - (2026)

Apple
Original price $387.99 - Original price $387.99
Original price
$387.99
$387.99 - $387.99
Current price $387.99

GET ESSENTIAL HEALTH INSIGHTS—Apple Watch SE 3 is an advanced health tracker. Temperature sensing8309; enables insights in the Vitals app 185; and ...

View full details
Original price $387.99 - Original price $387.99
Original price
$387.99
$387.99 - $387.99
Current price $387.99

Apple Watch Series 12 GPS 46mm Aluminum Case with Dark Bronze Milanese Loop - S/M - Dark Bronze - (2026)

Apple
Original price $579.99 - Original price $579.99
Original price
$579.99
$579.99 - $579.99
Current price $579.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $579.99 - Original price $579.99
Original price
$579.99
$579.99 - $579.99
Current price $579.99

Apple Watch SE 3 GPS 40mm Midnight Aluminum Case with Navy Blue Sport Band - S/M - Midnight - (2026)

Apple
Original price $308.99 - Original price $308.99
Original price
$308.99
$308.99 - $308.99
Current price $308.99

GET ESSENTIAL HEALTH INSIGHTS—Apple Watch SE 3 is an advanced health tracker. Temperature sensing8309; enables insights in the Vitals app 185; and ...

View full details
Original price $308.99 - Original price $308.99
Original price
$308.99
$308.99 - $308.99
Current price $308.99

Apple Watch SE 3 GPS + Cellular 40mm Midnight Aluminum Case with Navy Blue Sport Band - S/M - Midnight - (2026)

Apple
Original price $353.99 - Original price $353.99
Original price
$353.99
$353.99 - $353.99
Current price $353.99

GET ESSENTIAL HEALTH INSIGHTS—Apple Watch SE 3 is an advanced health tracker. Temperature sensing8309; enables insights in the Vitals app 185; and ...

View full details
Original price $353.99 - Original price $353.99
Original price
$353.99
$353.99 - $353.99
Current price $353.99

Apple Watch Series 12 GPS 46mm Aluminum Case with Black Sport Band - M/L - Black - (2026)

Apple
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

Apple Watch Series 12 GPS 46mm Aluminum Case with Olive Sport Band - M/L - Dark Bronze - (2026)

Apple
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

Apple Watch Series 12 GPS + Cellular 42mm Aluminum Case with Navy Blue Sport Band - S/M - Space Gray - (2026)

Apple
Original price $579.99 - Original price $579.99
Original price
$579.99
$579.99 - $579.99
Current price $579.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $579.99 - Original price $579.99
Original price
$579.99
$579.99 - $579.99
Current price $579.99

Apple Watch Series 12 GPS 46mm Aluminum Case with Olive Sport Band - S/M - Dark Bronze - (2026)

Apple
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

Apple Watch Series 12 GPS 46mm Aluminum Case with Sand Sport Band - M/L - Light Gold - (2026)

Apple
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

Apple Watch Series 12 GPS 46mm Aluminum Case with Black Sport Band - S/M - Black - (2026)

Apple
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

Apple Watch Series 12 GPS 46mm Aluminum Case with Navy Blue Sport Band - M/L - Space Gray - (2026)

Apple
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

Apple Watch Series 12 GPS 46mm Aluminum Case with Sand Sport Band - S/M - Light Gold - (2026)

Apple
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

Apple Watch Series 12 GPS 46mm Aluminum Case with Navy Blue Sport Band - S/M - Space Gray - (2026)

Apple
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

STAY CLOSER TO YOUR HEART HEALTH—The most accurate heart rate sensing in a wearable185; Series 12 now measures HRV as often as every five minutes f...

View full details
Original price $523.99 - Original price $523.99
Original price
$523.99
$523.99 - $523.99
Current price $523.99

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.