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Smart Home

Rent To Own Smart Home – Make Your Home Smarter with Flexible Financing

Transform your home into a smart home with cutting-edge technology from Finance My Cart. Whether you're looking for smart thermostats, lighting, security cameras, voice assistants, or smart appliances, we offer top brands like Nest, Ring, Amazon Echo, and more. With our rent-to-own and buy now, pay later payment plans, you can start building your smart home without the hefty upfront cost. Enjoy affordable monthly payments, free shipping, and financing options designed to fit your budget and credit situation. Create a connected and convenient home today with flexible financing that works for you!

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Skylight - Calendar Max 27 inch Touchscreen Smart Calendar and Family Organizer - Aluminum

Skylight
Original price $688.99 - Original price $688.99
Original price
$688.99
$688.99 - $688.99
Current price $688.99

Skylight all-in-one Smart Home WiFi Touchscreen Digital CalendarEffortlessly organzie the whole family with the touchscreen display for all your ca...

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Original price $688.99 - Original price $688.99
Original price
$688.99
$688.99 - $688.99
Current price $688.99

Arlo - Essential Smart Solar Security Camera 2K - Wireless Solar Powered 2-Cam - White

Arlo
Original price $225.99 - Original price $225.99
Original price
$225.99
$225.99 - $225.99
Current price $225.99

Effortlessly Protect Home FamilyThis solar-powered security camera operates on as little as 2 hours of direct sunlight per day. Its high-capacity ...

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Original price $225.99 - Original price $225.99
Original price
$225.99
$225.99 - $225.99
Current price $225.99

eufy - S4 Wired Video Doorbell with Chime AI Tracking 9 MP Camera 180 Wide View No Monthly Fee - Black

Eufy
Original price $333.99 - Original price $333.99
Original price
$333.99
$333.99 - $333.99
Current price $333.99

True 180 Panoramic View with VR ModeSee your whole doorstep at once with an ultra-wide 180 180 view that covers everything from ground to ceiling ...

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Original price $333.99 - Original price $333.99
Original price
$333.99
$333.99 - $333.99
Current price $333.99

Arlo - Essential Pan Tilt Indoor Security Camera 2K - Wired Plug-In Powered Privacy Mode 1-Cam + 6 Months Secure Plus Plan - Black

Arlo
Original price $59.99 - Original price $59.99
Original price
$59.99
$59.99 - $59.99
Current price $59.99

Leave No Blindspots with Plug-In Pan TiltDependable 2K indoor security to monitor your home family in clear 360 video with Dual-Band Wi-Fi connec...

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Original price $59.99 - Original price $59.99
Original price
$59.99
$59.99 - $59.99
Current price $59.99

Arlo - Essential Outdoor Security Camera 2K (3rd Gen) - Wireless Rechargeable 2-Cam + 2 Solar + 6 Months Secure Plus Plan - White

Arlo
Original price $214.99 - Original price $214.99
Original price
$214.99
$214.99 - $214.99
Current price $214.99

Reliable 2K Protection for Everyday MonitoringThis rechargeable wireless outdoor security camera lets you watch over your home family and pets with...

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Original price $214.99 - Original price $214.99
Original price
$214.99
$214.99 - $214.99
Current price $214.99

Aqara - Smart Wi-Fi Thermostat W200 Matte Kit w/C-Wire Programmable Apple Adaptive Temperature Matter over Thread Hub Google - Black

Aqara
Original price $180.99 - Original price $180.99
Original price
$180.99
$180.99 - $180.99
Current price $180.99

Excellent Integration with AppleThe W200 is the industry’s first thermostat to integrate with Apple’s Adaptive Temperature and Clean Energy Guidanc...

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Original price $180.99 - Original price $180.99
Original price
$180.99
$180.99 - $180.99
Current price $180.99

Blink - Solaris 2K+ — Solar-powered wireless smart security camera runs in as little as 45 minutes of direct sun Add on - White

Blink
Original price $63.99 - Original price $63.99
Original price
$63.99
$63.99 - $63.99
Current price $63.99

Effortless security powered by the sunFree yourself from battery changes with Blink Solaris. Our solar security solution combines a compact weather...

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Original price $63.99 - Original price $63.99
Original price
$63.99
$63.99 - $63.99
Current price $63.99

Ring - Battery Doorbell (newest model) Retinal 2K with wide-angle video up to 6x Zoom Two-Way Talk and Built-In Battery - Speckled White

Ring
Original price $61.99 - Original price $61.99
Original price
$61.99
$61.99 - $61.99
Current price $61.99

Capture it all with Retinal 2K videoFrom wide views to tighter focus it’s easy to see your home or business in the crisp clarity with Retinal 2K.Zo...

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Original price $61.99 - Original price $61.99
Original price
$61.99
$61.99 - $61.99
Current price $61.99

Arlo - Essential Smart Solar Security Camera 2K - Wireless Solar Powered 1-Cam - White

Arlo
Original price $125.99 - Original price $125.99
Original price
$125.99
$125.99 - $125.99
Current price $125.99

Effortlessly Protect Home FamilyThis solar-powered security camera operates on as little as 2 hours of direct sunlight per day. Its high-capacity ...

View full details
Original price $125.99 - Original price $125.99
Original price
$125.99
$125.99 - $125.99
Current price $125.99

TP-Link - Tapo Wireless Pan-Tilt Security 4K Ultra Camera 360 Coverage with Solar IP65 Weatherproof Camera - No Monthly Fees - White

TP Link
Original price $203.99 - Original price $203.99
Original price
$203.99
$203.99 - $203.99
Current price $203.99

4K Ultimate View Sharper and FartherTapo 4K cameras deliver sharper more detailed live views making them perfect for capturing finer details like l...

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Original price $203.99 - Original price $203.99
Original price
$203.99
$203.99 - $203.99
Current price $203.99

Swann - AdvancedX Wired NVR 4K Security Camera System 16 CH 8 PoE Outdoor Cameras 2TB Color Night Vision Motion Detect - White

Swann
Original price $1,280.99 - Original price $1,280.99
Original price
$1,280.99
$1,280.99 - $1,280.99
Current price $1,280.99

Experience Unmatched Clarity in 4KWith 4K (8MP) Ultra HD image sensors enjoy crystal-clear video that makes it easy to identify faces license plate...

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Original price $1,280.99 - Original price $1,280.99
Original price
$1,280.99
$1,280.99 - $1,280.99
Current price $1,280.99

Wyze - Battery Video Doorbell - Battery or Wired with 1536x1536 HD+ WiFi Color Night Vision Motion Detection 2-Way Audio - Black

Wyze
Original price $74.99 - Original price $74.99
Original price
$74.99
$74.99 - $74.99
Current price $74.99

150 x 150 Viewing AngleSee the full picture. The 150 horizontal and 150 vertical view sees visitors head-to-toe and packages tucked right against y...

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Original price $74.99 - Original price $74.99
Original price
$74.99
$74.99 - $74.99
Current price $74.99

Blink - Outdoor 2K+ Wireless Smart Security Cam 2K video Two-way audio w/ noise cancellation Smart detection - AddonCam - Black

Blink
Original price $49.99 - Original price $49.99
Original price
$49.99
$49.99 - $49.99
Current price $49.99

2K video resolutionDon't miss a detail. See every frame like never before with sharper 2K clarity and 4x zoom.Color Vision in Low LightEven in low ...

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Original price $49.99 - Original price $49.99
Original price
$49.99
$49.99 - $49.99
Current price $49.99

Ring - Outdoor Cam Pro Retinal 4K for the ultimate wide-angle video 10x Zoom Low-Light Sight full-color in near dark - White

Ring
Original price $237.99 - Original price $237.99
Original price
$237.99
$237.99 - $237.99
Current price $237.99

Capture it all with Retinal 4K videoSee your home or business in the ultimate clarity with Retinal 4K.Zoom in up to 10xCatch details at a distance ...

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Original price $237.99 - Original price $237.99
Original price
$237.99
$237.99 - $237.99
Current price $237.99

Reolink - Indoor/Outdoor Add On or Stand Alone Wired PoE 4K+ 12MP Security Dome IP Camera Smart AI Search Color Night Vision - White

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

Lightning-Fast AI Search and Perimeter ZoningSearch through weeks of footage IN SECONDS using AI Video Search. Intuitively search queries like “blu...

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

Amazon Echo Spot (2024 release) Smart alarm clock with vibrant sound and Alexa

AMAZON
Original price $141.99 - Original price $141.99
Original price
$141.99
$141.99 - $141.99
Current price $141.99

Meet the new echo spotA sleek smart alarm clock with Alexa and big vibrant sound. Ready to help you wake up wind down and so much more.Customizable...

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Original price $141.99 - Original price $141.99
Original price
$141.99
$141.99 - $141.99
Current price $141.99

Yale - Assure Lock 2 Touch Key-Free Keypad with Bluetooth - Black Suede

Yale
Original price $189.99 - Original price $189.99
Original price
$189.99
$189.99 - $189.99
Current price $189.99

Unlock with your fingerprintThe one key that is completely unique to you and can never be lost. With a 99 accuracy and <0.5 recognition time you...

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Original price $189.99 - Original price $189.99
Original price
$189.99
$189.99 - $189.99
Current price $189.99

Ring - Window-Door Sensor Instant notifications on Amazon Sidewalk no base station needed Pro Monitoring sold separately 6pk - White

Ring
Original price $169.99 - Original price $169.99
Original price
$169.99
$169.99 - $169.99
Current price $169.99

Protect Against Break-InsInstantly detects when a window or door opens.No Base Station RequiredSimple flexible setup. It just works.Easy Installati...

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Original price $169.99 - Original price $169.99
Original price
$169.99
$169.99 - $169.99
Current price $169.99

Reolink - 2-Camera Indoor/Outdoor Add On or Stand Alone Wired PoE 4K+ 12MP Security Dome IP Cameras Smart AI Search Spotlight - White

Reolink
Original price $336.99 - Original price $336.99
Original price
$336.99
$336.99 - $336.99
Current price $336.99

Lightning-Fast AI Search and Perimeter ZoningSearch through weeks of footage IN SECONDS using AI Video Search. Intuitively search queries like “blu...

View full details
Original price $336.99 - Original price $336.99
Original price
$336.99
$336.99 - $336.99
Current price $336.99

Reolink - 2-Camera Indoor/Outdoor Add On or Stand Alone Wired PoE 4K+ 12MP Security Bullet IP Cameras Smart AI Search Spotlight - White

Reolink
Original price $336.99 - Original price $336.99
Original price
$336.99
$336.99 - $336.99
Current price $336.99

Lightning-Fast AI Search and Perimeter ZoningSearch through weeks of footage IN SECONDS using AI Video Search. Intuitively search queries like “blu...

View full details
Original price $336.99 - Original price $336.99
Original price
$336.99
$336.99 - $336.99
Current price $336.99

Reolink - 16-Channel 8 - Bullet Camera Indoor/Outdoor 4K+ 12MP PoE 4TB NVR Security Surveillance System - White

Reolink
Original price $1,658.99 - Original price $1,658.99
Original price
$1,658.99
$1,658.99 - $1,658.99
Current price $1,658.99

4K+ 12MP Ultra HD Clarity + Color Night Vision12-megapixel resolution IP cameras will snap crisp un-pixelated shots of faces and license plates (ev...

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Original price $1,658.99 - Original price $1,658.99
Original price
$1,658.99
$1,658.99 - $1,658.99
Current price $1,658.99

Reolink - F751W Wired 4K 8MP Outdoor Wi - Fi Panorama Security Camera with Floodlights and AI Smart Search - White

Reolink
Original price $243.99 - Original price $243.99
Original price
$243.99
$243.99 - $243.99
Current price $243.99

180 Panoramic Surveillance in Ultra-High DefinitionDual-lens camera design provides an immersive view of your outdoor areas so you capture every de...

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Original price $243.99 - Original price $243.99
Original price
$243.99
$243.99 - $243.99
Current price $243.99

Govee - RGBIC Curtain Lights - Multi

Govee
Original price $162.99 - Original price $162.99
Original price
$162.99
$162.99 - $162.99
Current price $162.99

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 $162.99 - Original price $162.99
Original price
$162.99
$162.99 - $162.99
Current price $162.99

Ring - Hardwired Kit for Cameras (USB-C) - White

Ring
Original price $81.99 - Original price $81.99
Original price
$81.99
$81.99 - $81.99
Current price $81.99

Nonstop PowerTransform your Ring battery or plug-in camera to a hardwired camera for nonstop power.InstallationEasy installation on the ceiling or ...

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Original price $81.99 - Original price $81.99
Original price
$81.99
$81.99 - $81.99
Current price $81.99

Smart Lock C210 WiFi Replacement Deadbolt Unlock with eufy App Keypad Smart Devices - Black

Eufy
Original price $114.99 - Original price $114.99
Original price
$114.99
$114.99 - $114.99
Current price $114.99

Control from Anywhere with Built-in Wi-FiNo bridge required Control your Smart Lock C210 from anywhere with remote access via the eufy Security mob...

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Original price $114.99 - Original price $114.99
Original price
$114.99
$114.99 - $114.99
Current price $114.99

Philips - Hue Bluetooth 5/6" High Lumen Recessed Downlight - White and Color Ambiance

Philips
Original price $86.99 - Original price $86.99
Original price
$86.99
$86.99 - $86.99
Current price $86.99

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 $86.99 - Original price $86.99
Original price
$86.99
$86.99 - $86.99
Current price $86.99

Reolink - Altas Series B630 2K 4MP Battery Security Camera Wireless WiFi with Pre-Record ColorX Long Battery Life - White

Reolink
Original price $146.99 - Original price $146.99
Original price
$146.99
$146.99 - $146.99
Current price $146.99

Pre-Record Never Miss A MomentCapture footage of critical events BEFORE the camera triggers recording When Pre-Record is enabled camera will save ...

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Original price $146.99 - Original price $146.99
Original price
$146.99
$146.99 - $146.99
Current price $146.99

Aqara - Video Doorbell Camera - Wired/Battery Powered - Hub G410 Select - Black

Aqara
Original price $180.99 - Original price $180.99
Original price
$180.99
$180.99 - $180.99
Current price $180.99

HomeKit Matter and Other Ecosystem SupportThe Aqara Doorbell Camera Hub G410 Select supports major smart home platforms. It offers HomeKit Secure V...

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Original price $180.99 - Original price $180.99
Original price
$180.99
$180.99 - $180.99
Current price $180.99

Reolink - Advantage 8-Channel 4 - Bullet Camera Indoor/Outdoor 4K 8MP PoE 2TB NVR Security Surveillance System - Black

Reolink
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

4K Ultra HD Clarity + Color Night Vision8-megapixel resolution IP cameras will snap crisp un-pixelated shots of faces and license plates (even when...

View full details
Original price $819.99 - Original price $819.99
Original price
$819.99
$819.99 - $819.99
Current price $819.99

Ring - Outdoor Cam 2K Battery-Powered with Window Door Sensor Glass Break Sensor and Panic Button - White

Ring
Original price $215.99 - Original price $215.99
Original price
$215.99
$215.99 - $215.99
Current price $215.99

Experience crisp clarity with Retinal 2K videoSee all the crucial details across your home or business with wide-angle Retinal 2K.Zoom in up to 6xB...

View full details
Original price $215.99 - Original price $215.99
Original price
$215.99
$215.99 - $215.99
Current price $215.99

Cozyla - 15.6" Digital Calendar+2 AIO Family Hub Planner - White

Cozyla
Original price $416.99 - Original price $416.99
Original price
$416.99
$416.99 - $416.99
Current price $416.99

Family CalendarAuto sync your Apple Google Outlook and other calendars.Chores RoutinesCreate chores and routines with points repetition and remind...

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Original price $416.99 - Original price $416.99
Original price
$416.99
$416.99 - $416.99
Current price $416.99

Cozyla - Digital 24" Calendar Plus 3 - White

Cozyla
Original price $934.99 - Original price $934.99
Original price
$934.99
$934.99 - $934.99
Current price $934.99

Shared CalendarAuto sync each member's Apple Google Outlook and other calendars into one unified family view.Family ProfilesCreate up to 8 profiles...

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Original price $934.99 - Original price $934.99
Original price
$934.99
$934.99 - $934.99
Current price $934.99

Cozyla - Digital 32" Calendar Plus 3 4K - White

Cozyla
Original price $1,164.99 - Original price $1,164.99
Original price
$1,164.99
$1,164.99 - $1,164.99
Current price $1,164.99

"Hey Cozyla" Family Voice AgentHands-free schedule and task management using a built-in 2-microphone array with noise reduction.Shared Family Calen...

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Original price $1,164.99 - Original price $1,164.99
Original price
$1,164.99
$1,164.99 - $1,164.99
Current price $1,164.99

Amazon - Kids Echo Time kid-tuned Alexa customizable clock face with 1 year of Kids+ parental controls sleep support - Cosmic Lime

AMAZON
Original price $256.99 - Original price $256.99
Original price
$256.99
$256.99 - $256.99
Current price $256.99

1-year Kids+ subscription includedKid-friendly audiobooks ad-free radio and age-appropriate podcasts. The Kids+ subscription auto-renews at the app...

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Original price $256.99 - Original price $256.99
Original price
$256.99
$256.99 - $256.99
Current price $256.99

Cozyla - Routie 7" - White

Cozyla
Original price $218.99 - Original price $218.99
Original price
$218.99
$218.99 - $218.99
Current price $218.99

Kids Calendar ScheduleSchedules tasks and meals - all in one place so kids learn to manage their own day.Sunrise AlarmFull-spectrum LED light grad...

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Original price $218.99 - Original price $218.99
Original price
$218.99
$218.99 - $218.99
Current price $218.99

Ring - Wired Doorbell 2K Plus - Retinal 2K Motion Detection Night Vision - Nickel Silver

Ring
Original price $214.99 - Original price $214.99
Original price
$214.99
$214.99 - $214.99
Current price $214.99

Retinal 2KCrisp true-to-life video that brings your property to your phone like no one elseLive View Two-Way TalkSee hear and speak to who’s there...

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Original price $214.99 - Original price $214.99
Original price
$214.99
$214.99 - $214.99
Current price $214.99

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.