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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 $172.99 - Original price $172.99
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Current price $172.99

Govee - Smart Table Lamp 2 Pro Sound by JBL - Multi

Govee

Sound by JBL with stereo pairingPremium JBL audio with stereo pairing for powerful immersive sound and synchronized lighting.Clearer visuals DIY21...

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Original price $172.99 - Original price $172.99
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Original price $116.99 - Original price $116.99
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$116.99
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Nanoleaf - Matter Smart Floor Lamp - Multicolor

Nanoleaf

Slim Minimalistic DesignSuits any home decor aesthetic.Dynamic Color-Changing AnimationsCreate customize your own colorful lighting effects with ...

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Original price $116.99 - Original price $116.99
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Original price $94.99 - Original price $94.99
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Govee - RGBIC Smart Table Lamp 2S - Multi

Govee

RGBIC 16 million colors16 million RGB colors and 60+ scenes offer dynamic lighting—controllable via 4 methods.3 Control optionsConvenience via Tou...

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Original price $94.99 - Original price $94.99
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Original price $106.99 - Original price $106.99
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$106.99
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Govee - Smart Mini Panel Lights 10 Packs - RGBIC - Multi

Govee

Unlimited DIY Modeling PossibilitiesThis square light can be freely spliced by pressing to the connecting pieces¿¿through four sides greatly enhanc...

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Original price $106.99 - Original price $106.99
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Original price $162.99 - Original price $162.99
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$162.99
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Govee - RGBICWW 15inch Ceiling Light Pro - Multi

Govee

Planar colorful lighting effectThe internal lamp beads of the main light are arranged in five concentric circles. Independent control for each lig...

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Original price $162.99 - Original price $162.99
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Original price $112.99 - Original price $112.99
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$112.99
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Philips - Hue Smart A19 E26 Bulb 2pk - White and Color Ambiance

Philips

NATURAL DAYLIGHT AT HOMEThis smart bulb offers a full daylight spectrum from relaxing tones below 2700K to invigorating high-energy white light at ...

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Original price $112.99 - Original price $112.99
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Original price $293.99 - Original price $293.99
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Kwikset - Halo Smart Lock Wi-Fi Replacement Deadbolt with App/Key/Fingerprint 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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Original price $293.99 - Original price $293.99
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Original price $92.99 - Original price $92.99
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$92.99
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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 $92.99 - Original price $92.99
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Original price $220.99 - Original price $220.99
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Govee - AI Gaming TV Sync Box Kit 2 with HDMI 2.1 4K144Hz 4-in-1 RGBWIC Lighting for 5565 inch TVs - Multi

Govee

Complete Setup Zero Extra CostConnect up to 4 HDMI 2.1 devices at one time with the Govee AI sync box. Supports the highest refresh rate syncing wi...

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Original price $220.99 - Original price $220.99
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Original price $88.99 - Original price $88.99
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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 $88.99 - Original price $88.99
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Original price $495.99 - Original price $495.99
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Mysa - Smart Programmable WiFi Thermostat (3-Pack) - White

Mysa

Smart deviceApp-controlled thermostat works with Android or iOS devices home's Wi-Fi and Alexa Google Assistant and Apple HomeKit voice assistantsP...

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Original price $495.99 - Original price $495.99
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Original price $104.99 - Original price $104.99
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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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Original price $104.99 - Original price $104.99
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Original price $67.99 - Original price $67.99
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$67.99
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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 $67.99 - Original price $67.99
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Original price $121.99 - Original price $121.99
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GE - Cync 16 foot Outdoor Wet Rated Bluetooth/Wi-Fi Color Changing Smart LED Light Strip - 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 $121.99 - Original price $121.99
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Original price $110.99 - Original price $110.99
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$110.99
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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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Original price $110.99 - Original price $110.99
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Original price $87.99 - Original price $87.99
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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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Original price $87.99 - Original price $87.99
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Original price $181.99 - Original price $181.99
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Nanoleaf - Shapes Triangles Smarter Kit (7 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 $181.99 - Original price $181.99
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Original price $106.99 - Original price $106.99
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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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Original price $106.99 - Original price $106.99
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Original price $200.99 - Original price $200.99
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Eve - Aqua - Smart Water Controller with Apple HomeKit Technology - Black

Eve

Watering your garden or irrigation system made easy with the Aqua - Smart Water Controller with Apple HomeKit TechnologySetup your schedules for wa...

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Original price $200.99 - Original price $200.99
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Original price $76.99 - Original price $76.99
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Philips - Hue A21 Bluetooth 100W Smart LED Bulb - White and Color Ambiance

Philips

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

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Original price $76.99 - Original price $76.99
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Original price $193.99 - Original price $193.99
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Mysa - Smart Programmable Wi-Fi Thermostat - White

Mysa

Smart deviceApp-controlled thermostat works with Android or iOS devices home's Wi-Fi and Alexa Google Assistant and Apple HomeKit voice assistantsP...

View full details
Original price $193.99 - Original price $193.99
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$193.99
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Original price $298.99 - Original price $298.99
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Honeywell - Lyric T6 Pro Wi-Fi Programmable - WHITE - HONT TH6220WF2006/U

Honeywell Home

Honeywell - Lyric T6 Pro Wi-Fi Programmable - WHITE - HONT TH6220WF2006/U

Original price $298.99 - Original price $298.99
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Original price $405.99 - Original price $405.99
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Philips - Hue Lily Outdoor Spotlight Basekit (3-pack) - White and Color Ambiance

Philips

Millions of colors of lightUse millions of shades of white or color light to highlight outdoor features such as trees or fountains and create a uni...

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Original price $405.99 - Original price $405.99
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Original price $1,290.99 - Original price $1,290.99
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Twinkly Lightwall 1120 RGB LED 9' x 8.6' with Stand and Music Accessory - Black

Twinkly

Elevated Stage PresenceFrom concerts to wedding venues to live streaming impress your audience with dazzling programmable visuals from 1120 RGB LED...

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Original price $1,290.99 - Original price $1,290.99
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Original price $255.99 - Original price $255.99
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Philips - Hue 75W A19 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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Original price $255.99 - Original price $255.99
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Original price $125.99 - Original price $125.99
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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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$125.99
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Original price $304.99 - Original price $304.99
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$304.99
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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 $304.99 - Original price $304.99
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Original price $98.99 - Original price $98.99
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$98.99
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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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Original price $98.99 - Original price $98.99
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$98.99
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Original price $127.99 - Original price $127.99
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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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Original price $127.99 - Original price $127.99
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$127.99
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Current price $127.99
Original price $220.99 - Original price $220.99
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$220.99
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Current price $220.99

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...

View full details
Original price $220.99 - Original price $220.99
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$220.99
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Current price $220.99
Original price $88.99 - Original price $88.99
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$88.99
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Current price $88.99

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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Original price $88.99 - Original price $88.99
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$88.99
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Current price $88.99
Original price $92.99 - Original price $92.99
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Current price $92.99

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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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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$105.99
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Original price $41.99 - Original price $41.99
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$41.99
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Current price $41.99

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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Original price $41.99 - Original price $41.99
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$41.99
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Current price $41.99
Original price $56.99 - Original price $56.99
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$56.99
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Current price $56.99

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...

View full details
Original price $56.99 - Original price $56.99
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$56.99
$56.99 - $56.99
Current price $56.99
Original price $293.99 - Original price $293.99
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$293.99
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Current price $293.99

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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Original price $293.99 - Original price $293.99
Original price
$293.99
$293.99 - $293.99
Current price $293.99

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.