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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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NordicTrack - 24 Studio Bike for a Best-In-Class Cycling Experience - Black
$1,235.99 - $1,235.99
$1,235.99
$1,235.99 - $1,235.99
$1,235.99

NordicTrack - 24 Studio Bike for a Best-In-Class Cycling Experience - Black

Nordictrack

Powered by iFITWith the iFIT Pro Membership access 10000+ workouts on your smart bike. Just press start and your machine auto-adjusts to match the ...

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$1,235.99 - $1,235.99
$1,235.99
$1,235.99 - $1,235.99
$1,235.99
Oura Ring 4 Charger - Size 9 - Charging Dock and USB-C Cable - Charges Oura Ring 4 up to 8 days - Grey
$79.99 - $79.99
$79.99
$79.99 - $79.99
$79.99

Oura Ring 4 Charger - Size 9 - Charging Dock and USB-C Cable - Charges Oura Ring 4 up to 8 days - Grey

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 Ultra 2 (GPS+Cellular) 49mm Titanium Case with Dark Green Alpine Loop - Large - Black - (2024)
$858.99 - $858.99
$858.99
$858.99 - $858.99
$858.99

Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Dark Green Alpine 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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$858.99 - $858.99
$858.99
$858.99 - $858.99
$858.99
Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Black Trail Loop - S/M - Black - (2024)
$698.99 - $698.99
$698.99
$698.99 - $698.99
$698.99

Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Black Trail Loop - S/M - 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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$698.99 - $698.99
$698.99
$698.99 - $698.99
$698.99
Oura Ring 4 Charger - Size 7 - Charging Dock and USB-C Cable - Charges Oura Ring 4 up to 8 days - Grey
$79.99 - $79.99
$79.99
$79.99 - $79.99
$79.99

Oura Ring 4 Charger - Size 7 - Charging Dock and USB-C Cable - Charges Oura Ring 4 up to 8 days - Grey

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

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

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
Oura Ring 4 Charger - Size 12 - Charging Dock and USB-C Cable - Charges Oura Ring 4 up to 8 days - Grey
$79.99 - $79.99
$79.99
$79.99 - $79.99
$79.99

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

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
NordicTrack - Airglide 14i - Black
NordicTrack - Airglide 14i - Black
$1,779.99 - $1,779.99
$1,779.99
$1,779.99 - $1,779.99
$1,779.99

NordicTrack - Airglide 14i - Black

Nordictrack

Powered by iFITiFIT workouts control your machine to follow the iFIT Trainer.14" Tilting TouchscreenStay comfortable by adjusting your screen's vie...

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$1,779.99 - $1,779.99
$1,779.99
$1,779.99 - $1,779.99
$1,779.99
Apple Watch Series 11 (GPS) 46mm Space Gray Aluminum Case with Black Sport Band - M/L - Space Gray - (2025)
$400.99 - $400.99
$400.99
$400.99 - $400.99
$400.99

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...

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$400.99 - $400.99
$400.99
$400.99 - $400.99
$400.99
Apple Watch Series 11 (GPS) 46mm Jet Black Aluminum Case with Black Sport Band - M/L - Jet Black - (2025)
$400.99 - $400.99
$400.99
$400.99 - $400.99
$400.99

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...

View full details
$400.99 - $400.99
$400.99
$400.99 - $400.99
$400.99
Apple Watch Series 11 (GPS+Cellular) 42mm Aluminum Case with Black Sport Band - S/M - Jet Black - (2025)
$478.99 - $478.99
$478.99
$478.99 - $478.99
$478.99

Apple Watch Series 11 (GPS+Cellular) 42mm 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.185;KNOW YOU...

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$478.99 - $478.99
$478.99
$478.99 - $478.99
$478.99
Samsung - Sport Band for Galaxy Watch8 and Galaxy Watch8 Classic M/L - Blue
$72.99 - $72.99
$72.99
$72.99 - $72.99
$72.99

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

Samsung

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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$72.99 - $72.99
$72.99
$72.99 - $72.99
$72.99
Samsung - Fabric Band for Galaxy Watch8 and Galaxy Watch8 Classic S/M - White
$66.99 - $66.99
$66.99
$66.99 - $66.99
$66.99

Samsung - Fabric Band for Galaxy Watch8 and Galaxy Watch8 Classic S/M - White

Samsung

Sleep tight with a fit that’s just rightDesigned with sleep in mind the Fabric Band provides gentle and reliable support for a restful night. Stay ...

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$66.99 - $66.99
$66.99
$66.99 - $66.99
$66.99
Samsung - Athleisure Band for Galaxy Watch8 and Galaxy Watch8 Classic M/L - Graphite
$94.99 - $94.99
$94.99
$94.99 - $94.99
$94.99

Samsung - Athleisure Band for Galaxy Watch8 and Galaxy Watch8 Classic M/L - Graphite

Samsung

Step out in styleThis band easily transitions from workouts to daily wear bringing effortless versatility confidence and comfort to your everyday l...

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$94.99 - $94.99
$94.99
$94.99 - $94.99
$94.99
Samsung - Marine Band for Galaxy Watch Ultra - Blue
$109.99 - $109.99
$109.99
$109.99 - $109.99
$109.99

Samsung - Marine Band for Galaxy Watch Ultra - Blue

Samsung

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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$109.99 - $109.99
$109.99
$109.99 - $109.99
$109.99
Samsung - Trail Band for Galaxy Watch Ultra - Blue
$109.99 - $109.99
$109.99
$109.99 - $109.99
$109.99

Samsung - Trail Band for Galaxy Watch Ultra - Blue

Samsung

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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$109.99 - $109.99
$109.99
$109.99 - $109.99
$109.99
Apple Watch SE 3 (GPS) 44mm Midnight Aluminum Case with Midnight Sport Band - M/L - Midnight - (2025)
$321.99 - $321.99
$321.99
$321.99 - $321.99
$321.99

Apple Watch SE 3 (GPS) 44mm 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...

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$321.99 - $321.99
$321.99
$321.99 - $321.99
$321.99
Apple - 49mm Trail Loop - M/L - Black Titanium Finish - Black/Charcoal
$127.99 - $127.99
$127.99
$127.99 - $127.99
$127.99

Apple - 49mm Trail Loop - M/L - Black Titanium Finish - Black/Charcoal

Apple

Apple Watch Models44mm 45mm 46mm 49mm

$127.99 - $127.99
$127.99
$127.99 - $127.99
$127.99
Apple Watch Series 11 (GPS) 42mm Silver Aluminum Case with Purple Fog Sport Band - S/M - Silver - (2025)
$367.99 - $367.99
$367.99
$367.99 - $367.99
$367.99

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...

View full details
$367.99 - $367.99
$367.99
$367.99 - $367.99
$367.99
Apple Watch SE 3 (GPS) 40mm Midnight Aluminum Case with Midnight Sport Band - S/M - Midnight - (2025)
$301.99 - $301.99
$301.99
$301.99 - $301.99
$301.99

Apple Watch SE 3 (GPS) 40mm 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
$301.99 - $301.99
$301.99
$301.99 - $301.99
$301.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Titanium Milanese Loop - Large - Black - (2025)
$1,022.99 - $1,022.99
$1,022.99
$1,022.99 - $1,022.99
$1,022.99

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

Apple

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...

View full details
$1,022.99 - $1,022.99
$1,022.99
$1,022.99 - $1,022.99
$1,022.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Titanium Milanese Loop - Small - Black - (2025)
$1,022.99 - $1,022.99
$1,022.99
$1,022.99 - $1,022.99
$1,022.99

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

Apple

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...

View full details
$1,022.99 - $1,022.99
$1,022.99
$1,022.99 - $1,022.99
$1,022.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black/Charcoal Trail Loop - S/M - Black - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black/Charcoal Trail Loop - S/M - Black - (2025)

Apple

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...

View full details
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch Series 11 (GPS) 46mm Jet Black Aluminum Case with Black Sport Band - S/M - Jet Black - (2025)
$400.99 - $400.99
$400.99
$400.99 - $400.99
$400.99

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...

View full details
$400.99 - $400.99
$400.99
$400.99 - $400.99
$400.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black Alpine Loop - Large - Black - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

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

Apple

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...

View full details
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black Alpine Loop - Small - Black - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

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

Apple

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...

View full details
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Titanium Milanese Loop - Small - Natural - (2025)
$1,022.99 - $1,022.99
$1,022.99
$1,022.99 - $1,022.99
$1,022.99

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

Apple

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...

View full details
$1,022.99 - $1,022.99
$1,022.99
$1,022.99 - $1,022.99
$1,022.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Light Blue Alpine Loop - Medium - Natural - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

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

Apple

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...

View full details
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Light Blue Alpine Loop - Large - Natural - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

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

Apple

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...

View full details
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Blue/Bright Blue Trail Loop - M/L - Natural - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Blue/Bright Blue Trail Loop - M/L - Natural - (2025)

Apple

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...

View full details
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch SE 3 (GPS) 40mm Starlight Aluminum Case with Starlight Sport Band - S/M - Starlight - (2025)
$301.99 - $301.99
$301.99
$301.99 - $301.99
$301.99

Apple Watch SE 3 (GPS) 40mm 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...

View full details
$301.99 - $301.99
$301.99
$301.99 - $301.99
$301.99
Apple Watch Series 11 (GPS+Cellular) 46mm Aluminum Case with Black Sport Band - M/L - Jet Black - (2025)
$510.99 - $510.99
$510.99
$510.99 - $510.99
$510.99

Apple Watch Series 11 (GPS+Cellular) 46mm 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.185;KNOW YOU...

View full details
$510.99 - $510.99
$510.99
$510.99 - $510.99
$510.99
Apple Watch Series 11 (GPS+Cellular) 46mm Aluminum Case with Black Sport Band - S/M - Jet Black - (2025)
$510.99 - $510.99
$510.99
$510.99 - $510.99
$510.99

Apple Watch Series 11 (GPS+Cellular) 46mm 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.185;KNOW YOU...

View full details
$510.99 - $510.99
$510.99
$510.99 - $510.99
$510.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black/Charcoal Trail Loop - M/L - Black - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black/Charcoal Trail Loop - M/L - Black - (2025)

Apple

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...

View full details
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch Series 11 (GPS) 42mm Rose Gold Aluminum Case with Light Blush Sport Band - S/M - Rose Gold - (2025)
$367.99 - $367.99
$367.99
$367.99 - $367.99
$367.99

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
$367.99 - $367.99
$367.99
$367.99 - $367.99
$367.99
Apple Watch SE 3 (GPS+Cellular) 40mm Aluminum Case with Starlight Sport Band - S/M - Starlight - (2025)
$344.99 - $344.99
$344.99
$344.99 - $344.99
$344.99

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

Apple

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

View full details
$344.99 - $344.99
$344.99
$344.99 - $344.99
$344.99

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.