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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!

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

Apple
Original price $305.99 - Original price $305.99
Original price
$305.99
$305.99 - $305.99
Current price $305.99

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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Original price $305.99 - Original price $305.99
Original price
$305.99
$305.99 - $305.99
Current price $305.99

Apple - 46mm Sport Band - M/L - Anchor Blue

Apple
Original price $70.99 - Original price $70.99
Original price
$70.99
$70.99 - $70.99
Current price $70.99

Apple Watch Models

Original price $70.99 - Original price $70.99
Original price
$70.99
$70.99 - $70.99
Current price $70.99

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

NEXT - Sport Band Watch Strap for Apple Watch 38mm 40mm and 41mm - Black

NEXT
Original price $21.99 - Original price $21.99
Original price
$21.99
$21.99 - $21.99
Current price $21.99

Designed for Apple WatchFits the Apple Watch 38mm 40mm 40mm SE (1 and 2) and 41mm (all series). Apple Watch is a trademark of Apple Inc.Waterproof ...

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Original price $21.99 - Original price $21.99
Original price
$21.99
$21.99 - $21.99
Current price $21.99

Oura Ring 4 Charger - Size 11 - 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

Raptic - Hybrid Mesh Watch Band for Apple Watch 42mm 44mm 45mm - Rose Gold

X-Doria
Original price $55.99 - Original price $55.99
Original price
$55.99
$55.99 - $55.99
Current price $55.99

Made from both leather and stainless steelOffers durability and comfort.Continuously adjustable bandGives you just the right fit.Compatible with Ap...

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

Nomad - Active Band Pro 45/44/42mm - Black

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

Heinen leather from GermanyWaterproof and RuggedCustom HardwareStanless Steel Lugs and BuckleWorks with all Apple Watch SeriesDesigned for Apple Wa...

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

Amazfit - Active 3 Premium 45mm Smartwatch - Atlas Blue - Blue - (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

Insignia - Bumper with Glass Screen Protector for Apple Watch 42mm - Black and Clear

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

Designed for Apple Watch 42mmCreates a perfect fit on your smartwatch for full coverage with precise cutouts. Two screen protectors are included in...

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

Garmin - vívoactive 6 GPS Smartwatch 42 mm Fiber-reinforced polymer - Lunar Gold with Bone Band - (2025)

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

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

Garmin - Lily 2 Smartwatch 34 mm Anodized Aluminum - Cream Gold with Coconut Silicone Band - (2024)

Garmin
Original price $314.99 - Original price $314.99
Original price
$314.99
$314.99 - $314.99
Current price $314.99

Small stylish designPerfect for any look this small stylish smartwatch features a metal watch case and a beautiful patterned lens. Plus with a quic...

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Original price $314.99 - Original price $314.99
Original price
$314.99
$314.99 - $314.99
Current price $314.99

Insignia - Active Nylon Band for Apple Watch 44mm 45mm 46mm Series 10 and Apple Watch Ultra 49mm (All Series) - Black

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 Watch and Apple WatchFits Apple Watch 44mm 44 mm SE (1 and 2) 45mm 46mm Series 10 and Apple Watch Ultra 49mm (all series).S...

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

ZAGG - InvisibleShield Fusion Eco Flexible Hybrid Screen Protector for Apple Watch Series 11/10 42mm - Clear

ZAGG
Original price $45.99 - Original price $45.99
Original price
$45.99
$45.99 - $45.99
Current price $45.99

Extreme ProtectionFusion's tough hybrid glass with a flexible quality absorbs and disperses the force of impact ensuring superior protection.Made w...

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Original price $45.99 - Original price $45.99
Original price
$45.99
$45.99 - $45.99
Current price $45.99

Amazfit - Band 7 Activity and Fitness Tracker 37.3mm Polycarbonate - Black - (2022)

Amazfit
Original price $69.99 - Original price $69.99
Original price
$69.99
$69.99 - $69.99
Current price $69.99

CompatibilityCompatible with Android and IOS devicesFunction120 Built-in Sports Modes 24H Blood-oxygen Monitoring Test 3 Health Metrics in 1 TapDis...

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Original price $69.99 - Original price $69.99
Original price
$69.99
$69.99 - $69.99
Current price $69.99

Insignia - Bumper Cases for Apple Watch 41mm (2-Pack) - Bling/Champagne

Insignia
Original price $22.99 - Original price $22.99
Original price
$22.99
$22.99 - $22.99
Current price $22.99

Designed for Apple Watch 41mmSecurely fits your Apple Watch 41mm for increased protection.2-packLets you keep an extra bumper case on hand.Durable ...

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Original price $22.99 - Original price $22.99
Original price
$22.99
$22.99 - $22.99
Current price $22.99

Garmin - fenix 8 AMOLED Sapphire GPS Smartwatch 51mm Fiber-reinforced polymer - Carbon Gray DLC Titanium - (2024)

Garmin
Original price $1,106.99 - Original price $1,106.99
Original price
$1,106.99
$1,106.99 - $1,106.99
Current price $1,106.99

Rugged by designBuilt to endure this premium design is dive-rated and features leakproof buttons a metal sensor guard cover and bright 1.4 AMOLED d...

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Original price $1,106.99 - Original price $1,106.99
Original price
$1,106.99
$1,106.99 - $1,106.99
Current price $1,106.99

Fitbit - Sense 2 Advanced Health Smartwatch - Graphite - (2022)

Fitbit
Original price $266.99 - Original price $266.99
Original price
$266.99
$266.99 - $266.99
Current price $266.99

All-day Stress DetectionRecognize stressful events manage them and move on with our new continuous EDA sensor on Sense 2. It helps detect stress ev...

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Original price $266.99 - Original price $266.99
Original price
$266.99
$266.99 - $266.99
Current price $266.99

Raptic - 360x for 41mm 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 41mmWorks with All 41mm 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

Garmin - Forerunner 165 GPS Smartwatch 43 mm Fiber-Reinforced Polymer - Black/Slate Gray - (2024)

Garmin
Original price $254.99 - Original price $254.99
Original price
$254.99
$254.99 - $254.99
Current price $254.99

AMOLED touchscreen display1.2 colorful AMOLED display with touchscreen and buttonsLong battery lifeWith up to 11 days in smartwatch mode and up to ...

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Original price $254.99 - Original price $254.99
Original price
$254.99
$254.99 - $254.99
Current price $254.99

Best Buy essentials - Silicone Bands for Apple Watch 44mm 45mm SE 46mm Series 10 Ultra 49mm and Ultra 2 49mm (3-Pack) - Starlight Blue/Gray and Gray

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 the Apple Watch 44mm 45mm (all series) 46mm Series 10 Apple Watch SE Apple Watch Ultra 49mm and Apple Watch Ultra...

View full details
Original price $29.99 - Original price $29.99
Original price
$29.99
$29.99 - $29.99
Current price $29.99

Best Buy essentials - Nylon Band for Apple Watch 44mm 45mm SE 46mm Series 10 Ultra 49mm and Ultra 2 49mm (2-Pack) - Black Gray

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 44mm 45mm (all series) 46mm Series 10 Apple Watch SE Apple Watch Ultra and Apple Watch Ultra 2 49mm.2...

View full details
Original price $29.99 - Original price $29.99
Original price
$29.99
$29.99 - $29.99
Current price $29.99

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

NEXT - Sport Band Watch Strap for Apple Watch 42mm 44mm and 45mm - Black

NEXT
Original price $25.99 - Original price $25.99
Original price
$25.99
$25.99 - $25.99
Current price $25.99

Designed for Apple WatchCompatible with all versions of Apple WatchWaterproof silicone materialAllows you to wear all day and nightLightweat and Co...

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Original price $25.99 - Original price $25.99
Original price
$25.99
$25.99 - $25.99
Current price $25.99

NEXT - Sport Band DUO Watch Strap for Apple Watch 42mm 44mm and 45mm - Pink

NEXT
Original price $32.99 - Original price $32.99
Original price
$32.99
$32.99 - $32.99
Current price $32.99

Designed for Apple WatchCompatible with all versions of Apple WatchWaterproof silicone materialAllows you to wear all day and nightLightweat and Co...

View full details
Original price $32.99 - Original price $32.99
Original price
$32.99
$32.99 - $32.99
Current price $32.99

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

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

Garmin
Original price $194.99 - Original price $194.99
Original price
$194.99
$194.99 - $194.99
Current price $194.99

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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Original price $194.99 - Original price $194.99
Original price
$194.99
$194.99 - $194.99
Current price $194.99

Amazfit - Bip 6 Smartwatch 46mm Silicone - Stone - (2025)

Amazfit
Original price $104.99 - Original price $104.99
Original price
$104.99
$104.99 - $104.99
Current price $104.99

Up to 14 Days of Battery LifeEnjoy extended usage with up to 14 days of typical use or up to 26 days in battery saver mode—keeping you powered thro...

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Original price $104.99 - Original price $104.99
Original price
$104.99
$104.99 - $104.99
Current price $104.99

WHOOP SportFlex Accessory Band - Compatible with One and Peak - Gravity

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

BUILT FOR HIGH PERFORMANCE SportFlex is designed with waterproof sweatproof and dirtproof silicone. It’s highly durable and designed to withstand y...

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

Samsung - Galaxy Watch8 Classic Stainless Steel Smartwatch 46mm BT - White - (2025)

Samsung
Original price $478.99 - Original price $478.99
Original price
$478.99
$478.99 - $478.99
Current price $478.99

Why to Buy Galaxy Watch8 ClassicThe timeless design fits snugly while making a stylish statement and the new lug system allows for easy detachment ...

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Original price $478.99 - Original price $478.99
Original price
$478.99
$478.99 - $478.99
Current price $478.99

Samsung - Galaxy Watch8 Aluminum Smartwatch 44mm BT - Silver - (2025)

Samsung
Original price $367.99 - Original price $367.99
Original price
$367.99
$367.99 - $367.99
Current price $367.99

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 $367.99 - Original price $367.99
Original price
$367.99
$367.99 - $367.99
Current price $367.99

Samsung - Galaxy Watch8 Aluminum Smartwatch 40mm BT - Silver - (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...

View full details
Original price $334.99 - Original price $334.99
Original price
$334.99
$334.99 - $334.99
Current price $334.99

Oura Ring 4 Charger - Size 9 - 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...

View full details
Original price $85.99 - Original price $85.99
Original price
$85.99
$85.99 - $85.99
Current price $85.99

Oura Ring 4 Charger - Size 7 - 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...

View full details
Original price $85.99 - Original price $85.99
Original price
$85.99
$85.99 - $85.99
Current price $85.99

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

Apple
Original price $486.99 - Original price $486.99
Original price
$486.99
$486.99 - $486.99
Current price $486.99

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
Original price $486.99 - Original price $486.99
Original price
$486.99
$486.99 - $486.99
Current price $486.99

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

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

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

Samsung - Marine Band for Galaxy Watch Ultra - Blue

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 Marine Band for Galaxy Watch Ultra features a lugless design that seamlessly blends with the Watch body ensuring ...

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

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.