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Home Automation

Rent To Own Home Automation – Control Your Home with Flexible Financing

Take control of your home with advanced home automation solutions from Finance My Cart. From smart thermostats and lighting to automated security systems and voice-controlled devices, we offer top brands like Nest, Ecobee, Lutron, and more. With our rent-to-own and buy now, pay later payment plans, you can automate your home without the hefty upfront cost. Enjoy affordable monthly payments, free shipping, and financing options tailored to fit your budget and credit situation. Make your home smarter today with flexible financing that works for you!

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Govee - Aura Smart Table Lamp - Multi

Govee

Creative DIY modeOur intuitive DIY mode via the Govee Home app allows you to personalize light effects and save them for later. With Finger Sketch ...

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Original price $87.99 - Original price $87.99
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Philips - Hue 75" Play Gradient Lightstrip - White and Color Ambiance

Philips

Seamlessly blend colorsGet a seamless blend of multiple colors of light at the same time in a single LED strip. The colors flow together naturally ...

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Original price $344.99 - Original price $344.99
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Philips - Hue Play Gradient Lightstrip 65" - Multi

Philips

Seamlessly Blend ColorsGet a seamless blend of multiple colors of light at the same time in a single LED strip. The colors flow together naturally ...

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Original price $310.99 - Original price $310.99
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Philips - Hue Go Portable Table Lamp - Black

Philips

Take it anywhereWith it's silicone grip and robust design the Philips Hue Go portable table lamp lets you take it with you anywhere in around or ou...

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Original price $192.99 - Original price $192.99
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Philips - Hue Ambiance Gradient Bluetooth Lightstrip 40-inch Extension - White

Philips

Seamlessly blend colorsGet a seamless blend of multiple colors of light at the same time in a single LED strip.Colorful smart lightingInstantly set...

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Lutron - Diva Smart Dimmer Switch - White

Lutron Electronics

Includes(1) Diva smart dimmer switch for Caseta smart lighting; coordinating wallplate sold separatelyPeace of mindAlways come back to a well-lit h...

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Google - Nest Smart Programmable Wifi Thermostat - Snow

GOOGLE

Easy to install and use.Designed so you can install yourself. Installation usually takes 30 minutes or less. You can quickly create a schedule tha...

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Google - Nest Learning Thermostat (4th gen) with Nest Temperature Sensor (2nd gen) - Polished Gold

GOOGLE

Improved compatibility.It works with most 24V systems including gas electric oil forced air heat pump and radiant and no C wire is required for ins...

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Govee - AI Gaming TV Sync Box Kit for 55-65 inch TVs - Multi

Govee

Advanced technologySupports HDMI 2.0 2K-144FPS/4K-60FPS Dolby Horizon HDR 10+ ARC CEC Alexa and Google AssistantMore HDMI-output portsThree HDMI-in...

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Govee - Smart Recessed Downlight 6inch-4pk - Multi

Govee

Flexible connectivitySupports direct Wi-Fi and Bluetooth control.Multiple lighting options16 million colors and 1-100 dimmable brightness.Multiple ...

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Honeywell Home - T9 Smart Programmable Touch-Screen

Honeywell

Versatile compatibilityT9 works with most heating cooling and heat pump systems. It does not work with electric baseboard heaters (120-240V) dual f...

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Kwikset - Halo Smart Lock Wi-Fi Replacement Deadbolt with App/Touchscreen/Key Access - Venetian Bronze

Kwikset

Features SmartKey securitySmartKey Security protects against advanced break-in techniques and allows you to re-key the lock on your own in seconds....

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Nanoleaf - Blocks Combo XL Smarter Kit - Smart LED Wall Light Panels - Multicolor

Nanoleaf

Modular CustomizableBuild your own unique layout and customize with mix and match add-ons to make a display that's truly your own.Dynamic Lighting...

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Govee - Wi-Fi RGBIC Outdoor Permanent String Lights 100ft - White

Govee

Lighting effects for holidays75 scene modes can cover more than 10 holidays and 8 DIY lighting effects to satisfy your various lighting needsSimple...

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Philips - Hue Play HDMI Sync Box 8K - Black

Philips

HDMI 2.1 CERTIFIED FOR THE HIGHEST QUALITY CONTENTWith an ultra-fast refresh rate you can sync your Hue lights to the highest quality video content...

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Nanoleaf - Essentials Matter Smart Multicolor HD Lightstrip 16.4ft (5m) - Flexible and Trimmable - White and Colors

Nanoleaf

Individually Addressable LEDsWatch multiple colors appear all at once along your addressable lightstrip for a stunning gradient effect with 60 colo...

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Honeywell Home - 7-Day Programmable Thermostat with Wi-Fi Capability - White

Honeywell

Thermostat that fits your life7-day 4 periods per day flexible programming lets you sync your comfort with your schedule.Easy-to-use appChoose from...

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Govee - Wi-Fi Bluetooth Smart Outdoor LED Strip Light 32ft - Multi

Govee

Smart voice controlGovee outdoor LED strip light supports Alexa Google Assistant intelligent control. Enjoy hands-free control of your lights using...

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Govee - Path Lights 4 Packs - Multi

Govee

Unique and modern outdoor lightingGovee Pathway Lights have an adjustable 2200-6500K color temperature and 54 preset scenes.Multi-color displayRGBI...

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TP-Link - Tapo A19 Wi-Fi Smart LED Bulb (5-Pack) - Multicolor

TP Link

No Hub RequiredConnect directly to your home's secure Wi-Fi network—no need for a hub or extra equipment.1100 lumens -Extra Bright Smart Light Bulb...

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Philips - Hue A19 75W Smart LED Starter Kit - White and Color Ambiance

Philips

Kickstart your smart lightingEach Philips Hue starter kit comes with a unique combination of lights accessories and a Hue Bridge to give you everyt...

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Philips - Hue A19 Bluetooth 75W Smart LED Bulb (2-Pack) - White and Color Ambiance

Philips

Colorful smart lightingInstantly set the mood for any occasion with 16 million colors of light. Transform any room for an immersive entertainment e...

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Philips - Hue Color A19 Smart LED Bulb Starter Kit - White and Color Ambiance

Philips

Create personalized experience with colorful smart lightTransform your home with over 16 million colors instantly creating the right atmosphere for...

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Philips - Hue A19 Bluetooth 60W Smart LED Bulb (3-Pack) - White and Color Ambiance

Philips

Colorful smart lightingChoose from millions of colors and shades of warm-to-cool white light to enhance your room decor and ambiance.Light recipesE...

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Govee - A19 1200 Lumens Wi-Fi Smart LED Bulb (4-Pack) - RGB

Govee

Reliable BrightnessWith over 1200 Lumens these smart bulbs can brighten your home than most bulbs currently on the market. These RGB 12W bulbs have...

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Govee - RGBIC 32.8ft Icicle Lights - Multi

Govee

RGBIC lighting effectsChoose from 16 million colors with the ability to control each light individually for a customized experience.Outdoor reliabi...

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Original price $171.99 - Original price $171.99
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Philips - Hue Solo lightstrip 3m (10ft) - White and Color Ambiance

Philips

Includes one Hue Solo 3 meter lightstripSeamless blend of multicolor light in a single LED stripSet the mood instantly with Bluetooth and easily co...

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Govee - 24.6' RGBIC Strip Light with Smart LED Bulb - Multi

Govee

Reliable brightnessWith over 1200 Lumens these smart bulbs can brighten your home than most bulbs currently on the market. These RGB 12W bulbs have...

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Original price $79.99 - Original price $79.99
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Govee - RGBIC LED Neon Rope Light for Desks 6.5ft - Multi

Govee

Segmented RGBIC color control42 controllable segments customize RGBIC lighting effects. 14 zones per meter 16.8 million colors and 64+ scene modesG...

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Philips - Hue White and Color Ambiance Lucca Wall Light - Black

Philips

Sophisticated modern designIlluminate your porch and patios with colorful light. The Lucca wall lantern with its round shape and black bands offers...

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GE - Cync Smart Programmable Thermostat - Black

GE

Smart Programmable ThermostatWhether at home or on the go program the smart thermostat for home heat and ac with auto mode set custom schedules and...

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Original price $117.99 - Original price $117.99
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Govee - 65.6ft Green Christmas String Lights 2S - Multi

Govee

Upgraded RGBIC lighting effectsUsing warm white lamp beads our LED Christmas string lights offer adjustable warm white light. More colorful and var...

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Twinkly - Candies Star Shaped 200 RGB LED Smart Light String Green Wire USB-C - Multicolor

Twinkly

Charming multicolor RGB LED light shapesDelight in the charming light shape of stars while adding a touch of wonder to your home decor 200 LED ligh...

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Original price $92.99 - Original price $92.99
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Twinkly - Candies Pearl Shaped 200 RGB LED Smart Light String Green Wire USB-C - Multicolor

Twinkly

Charming multicolor RGB LED light shapesDelight in the charming light shape of pearls while adding a touch of wonder to your home decor 200 LED lig...

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Original price $92.99 - Original price $92.99
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Twinkly - Candies Candle Shaped 200 RGB LED Smart Light String Green Wire USB-C - Multicolor

Twinkly

Charming multicolor RGB LED light shapesDelight in the charming light shape of candles while adding a touch of wonder to your home decor 200 LED li...

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Original price $92.99 - Original price $92.99
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Original price $247.99 - Original price $247.99
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Twinkly - Smart Light Cluster 400 RGB+W LED - Multi

Twinkly

Premium home decorative lightsTwinkly Light Strings will add advanced technology to your home decor and festive year-round gatherings both inside a...

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Original price $247.99 - Original price $247.99
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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.