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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!

Original price $65.99 - Original price $65.99
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TP-Link - Tapo Smart Wi-Fi Light Dimmer Switch with Matter (4-Pack) - Replaces Most Traditional Switches - White

TP Link

Replaces Most Traditional Light SwitchesUpgrade your home by raplacing your traditional light switches with TP-Link Tapo Smart Switches. Works in t...

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Original price $65.99 - Original price $65.99
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Philips - Hue Solo Lightstrip 5m (16ft) - White and Color Ambiance

Philips

Includes one Hue Solo 5 meter lightstripSeamless blend of multicolor light in a single LED stripSet the mood instantly with Bluetooth and easily co...

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Original price $99.99 - Original price $99.99
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Original price $127.99 - Original price $127.99
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ecobee - SmartCamera with voice control - Black/White

EcoBee

HD Video and Night VisionStream continuous ultra-clear 1080p HD video to your phone day or night. Feel like you're home even when you’re notPerson ...

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Original price $127.99 - Original price $127.99
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Original price $105.99 - Original price $105.99
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Amazon - Smart Programmable Thermostat with Alexa C-Wire Required - White

AMAZON

Smart upgradeAmazon Smart Thermostat is an easy way to switch from a traditional thermostat and help reduce energy usage.Save moneyAfter purchase A...

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Original price $105.99 - Original price $105.99
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Original price $87.99 - Original price $87.99
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Govee - 49.2ft Wi-Fi RGBICW LED Strip Light - Multi

Govee

Smart RGBIC effectsUnlike RGB RGBIC LED strip lights present stunning segmented colors on a line. The smart LED strip lights create a colorful ligh...

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Original price $87.99 - Original price $87.99
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$81.99
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TP-Link - Tapo TTB10 Smart Sensor Starter Kit - Motion Detector Contact Sensors and Hub Included - White

TP Link

Window Door SafeguardStay informed of every moment. Monitor doors windows cabinets refrigerators and mailboxes for suspicious activity and receive...

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Original price $81.99 - Original price $81.99
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ecobee - SmartSensor for Doors and Windows (2-Pack) - White

EcoBee

Receive instant notification when a door or window is opened or closed.Real-time notifications whenever a door or window is opened or closed throug...

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

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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Original price $295.99 - Original price $295.99
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Google - Nest Learning Thermostat (4th gen) with Nest Temperature Sensor (2nd gen) - Polished Silver

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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GE - Cync 10 Foot Dynamic Effects Smart LED Neon Shape Light - Color Changing - Full Color

General Electric

Bendable LED Strip LightsBend the flexible LED strip to create shapes designs and words; Control each segment separately with “independent control ...

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GE - Cync Dynamic Effects Smart LED Hexagon Panel Lights (7 Pack) - Color Changing - Full Color

General Electric

LED Hexagon Light PanelsIndividually adjust color segments by panel to create a unique light show with “independent control; Design your own layout...

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Original price $148.99 - Original price $148.99
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GE - Cync 8 Foot Indoor Smart LED Light Strip Extension (Power Supply Sold Separately) - EXTENSION ONLY - Full Color

GE

Millions of Vibrant ColorsUse the Cync app Powered by Savant color wheel and TRUEImage technology to elevate the vibe and enhance your home decor; ...

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Govee - Wi-Fi RGBIC Outdoor Permanent String Lights 50ft - Black

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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GE - Cync 16 Foot Indoor Smart LED Light Strip - Color Changing - Full Color

GE

Millions of Vibrant ColorsUse the Cync app Powered by Savant color wheel and TRUEImage technology to elevate the vibe and enhance your home decor; ...

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Original price $81.99 - Original price $81.99
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GE - Cync 8 Foot Outdoor Smart LED Light Strip Extension (Power Supply Sold Separately) - EXTENSION ONLY - Full Color

GE

Millions of Vibrant ColorsUse the Cync App's color wheel and TRUEImage technology to easily select colors change modes adjust brightness smart timi...

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Original price $56.99 - Original price $56.99
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Twinkly Smart Light Regal Pre-Lit Wreath 24 Inch 50 RGB LED - Green

Twinkly

Premium home decorative lightsTwinkly Smart Lights will add advanced technology to your home decor and festive year-round gatherings both inside an...

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Original price $136.99 - Original price $136.99
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ecobee - SmartSensor 2-Pack - White

EcoBee

Comfort in the room you’re in.Knows when a room is occupied and communicates the temperature to your ecobee smart thermostat from up to a range of ...

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Original price $125.99 - Original price $125.99
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Nanoleaf - 4D - Screen Mirror + Lightstrip Kit (For TVs and Monitors up to 65") - Multicolor

Nanoleaf

Vivid Screen MirroringThe colors from your favorite shows movies and video games extend out from your TV screen or monitor and into your space for ...

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Philips - Hue Bluetooth 5/6" High Lumen Recessed Downlight - 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. Create the ul...

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Kwikset - Halo Smart Lock Wi-Fi Replacement Deadbolt with App/Key/Fingerprint Access - Satin Nickel

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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Govee - Dreamview TV Strip Lights for 75- 85 TVs - Multi

Govee

1080p Smart cameraIntelligently capture the colors on screen and automatically apply them to your lights.Segmented color controlCustomize the color...

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Original price $126.99 - Original price $126.99
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Twinkly - Candies Heart 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 hearts 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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Lyric T6 Pro Wi-Fi Programmable - WHITE - HONT TH6220WF2006

Honeywell Home

Lyric T6 Pro Wi-Fi Programmable - WHITE - HONT TH6220WF2006

Original price $295.99 - Original price $295.99
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Govee - Dreamview TV Strip Lights for 55- 65 TVs - Multi

Govee

1080p Smart cameraIntelligently capture the colors on screen and automatically apply them to your lights.Segmented color controlCustomize the color...

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Original price $104.99 - Original price $104.99
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Original price $170.99 - Original price $170.99
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Google - Nest Smart Programmable Wifi Thermostat

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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Original price $170.99 - Original price $170.99
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Original price $98.99 - Original price $98.99
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Philips - Hue Ambiance Gradient Bluetooth Lightstrip 40-inch Extension

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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Original price $98.99 - Original price $98.99
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Nanoleaf - Shapes Ultra Black Hexagons Smarter Kit (9 Panels) - Multicolor

Nanoleaf

Combine Shapes into Your Own DesignCreate beautiful symmetry in any room or get completely abstract - the choice is yours. With Connect+ technology...

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Original price $225.99 - Original price $225.99
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Govee - RGBIC Curtain Lights - Multi

Govee

Pattern display abilityContain 520 teardrop-shaped light beads allowing for a higher pixel densityDIY modeBring your creativity to the forefront wi...

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Original price $160.99 - Original price $160.99
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Philips - Hue A19 Bluetooth 75W Smart LED Bulb - 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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Original price $75.99 - Original price $75.99
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Philips - Hue Bridge - White

Philips

Includes one Philips Hue BridgeUnlock the power of Hue and enjoy the full suite of features for a premium smart lighting experience.Secure and stab...

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Original price $80.99 - Original price $80.99
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Govee - Wi-Fi Bluetooth Smart String Bulbs - 48 feet - Multi

Govee

Smart app and voice control with AlexaIndependently control the color of each LED string light using Govee Home App for fantastic multicolor displa...

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Original price $98.99 - Original price $98.99
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Original price $192.99 - Original price $192.99
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Philips - Hue Play Smart LED Bar Light (2-Pack) - White and Color Ambiance

Philips

Small but mightyA versatile lamp available in black or white the Play light bars enhance any entertainment setup.Personalize your playtimeUse the P...

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Original price $192.99 - Original price $192.99
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Original price $81.99 - Original price $81.99
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Govee - RGBIC Neon Rope Light - 6.5 Ft - Multi

Govee

Segmented RGBIC EffectsUse the Govee Home App to access a selection of lighting effects that best suits your personal aesthetic. Your light will gl...

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Original price $81.99 - Original price $81.99
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Original price $214.99 - Original price $214.99
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Philips - Hue Ambiance Gradient Bluetooth Lightstrip 80-inch Base Kit - Multi

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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Original price $214.99 - Original price $214.99
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$214.99
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Philips - Hue Play Gradient Lightstrip 75" - White

Philips

Take the excitement of surround lighting to the next level with the Philips Hue Play gradient lightstrip. This LED strip flawlessly blends multiple...

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Original price $344.99 - Original price $344.99
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Original price $239.99 - Original price $239.99
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Nanoleaf - Elements Hexagons Smarter Kit (7 Panels) - Wood Look

Nanoleaf

Nature-inspired smart decorPerfect for elevating home decor creating a cozy ambiance in the room finding inspiration.Bespoke Lighting DesignsThe pe...

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Original price $239.99 - Original price $239.99
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$239.99
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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.