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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!

Original price $294.99 - Original price $294.99
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$294.99
$294.99 - $294.99
Current price $294.99

Amazon - Echo Show 10 (3rd Generation) 10-inch Smart Display with Alexa - Glacier White

AMAZON

Alexa can show you even moreWith a 10.1" HD screen that’s designed to move with you video calls recipes and shows are always in view. The speakers ...

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Original price $294.99 - Original price $294.99
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Original price $65.99 - Original price $65.99
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$65.99
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Amazon - Echo Dot Kids (5th Gen 2022 Release) with Alexa - Owl

AMAZON

Echo Dot KidsSmart speaker with Alexa made for kids (not a toy). The improved speaker delivers clearer vocals and rich vibrant sound.Where learning...

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Original price $65.99 - Original price $65.99
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$65.99
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Current price $65.99
Original price $519.99 - Original price $519.99
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$519.99
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Current price $519.99

Night Owl - 12 Channel 6 Camera Wired 4K 2TB DVR Security System - White

Night Owl

Capture key recordings with clarityIt’s clear video quality matters. Reliably capture what’s happening around your home or business with crisp 4K r...

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Original price $519.99 - Original price $519.99
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$519.99
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Current price $519.99
Original price $384.99 - Original price $384.99
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$384.99
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Current price $384.99

Night Owl - 8-Channel 4-Camera Indoor/Outdoor Wire Free 2K 64GB Security System - White

Night Owl

Capture key recordings with clarityIt’s clear video quality matters. Reliably capture what’s happening around your home or business with crisp 4K r...

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Original price $384.99 - Original price $384.99
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$384.99
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Current price $384.99
Original price $81.99 - Original price $81.99
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$81.99
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Current price $81.99

Ring - Indoor Plug-In 1080p Security Camera (2nd - Generation) with Privacy cover - White

Ring

Ring AppSee hear and speak to people on camera in the Ring App with Live View and Two-Way Talk.Capture every momentCapture every moment nonstop wit...

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

Arlo - Mounted Solar Panel Charger for Pro 5S 2K Pro 4 Pro 3 Floodlight Ultra 2 and Ultra Cameras - White

Arlo

Harness the power of the sunUses solar power to keep your Arlo wire-free camera powered.Continuous chargingYou can let your Arlo wire-free camera o...

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Original price $81.99 - Original price $81.99
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$81.99
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Original price $87.99 - Original price $87.99
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$87.99
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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 $87.99 - Original price $87.99
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$87.99
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Current price $87.99
Original price $216.99 - Original price $216.99
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$216.99
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Current price $216.99

Google - Nest Wi-Fi Video Doorbell - Battery Operated - Ash

GOOGLE

Control with the Google Home app.View live HD video replay video recordings talk to visitors and more all from the Google Home app. The Nest Doorb...

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Original price $216.99 - Original price $216.99
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$216.99
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Current price $216.99
Original price $505.99 - Original price $505.99
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Google - Nest Cam 3 Pack Indoor/Outdoor Wire Free Security Cameras - Snow

GOOGLE

Control with the Google Home app.View live HD video replay video recordings talk to visitors and more all from the Google Home app. The Nest Cam (...

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Original price $505.99 - Original price $505.99
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Original price $282.99 - Original price $282.99
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$282.99
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Yale Assure YRD410-WF1-619 - door lock - satin nickel

Yale

Key-free accessEveryone that needs access can choose their own way to unlock whether it's the keypad voice assistant Auto-Unlock or the Yale Access...

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Original price $282.99 - Original price $282.99
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Original price $245.99 - Original price $245.99
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$245.99
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Yale Assure Lock 2 YRD410-WF1-BSP - door lock - black suede

Yale

Key-free accessEveryone that needs access can choose their own way to unlock whether it's the keypad voice assistant Auto-Unlock or the Yale Access...

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Original price $245.99 - Original price $245.99
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$245.99
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Original price $83.99 - Original price $83.99
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$83.99
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Wasserstein - Solar Charger and Mount - Compatible with Blink Video Doorbell - Solar Power for your Blink Video Doorbell - Black

Wasserstein

Powerful Solar ChargingPower your wireless doorbell completely with solar energy - install this Blink Doorbell solar charging mount in direct sunli...

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Original price $83.99 - Original price $83.99
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$83.99
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Original price $72.99 - Original price $72.99
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$72.99
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Tapo C125 V1.6 - network surveillance camera

TP Link

No Hidden CostsTP-Link Tapo products are a one-time purchase with no monthly fees or hidden costs. Utilize up to 512GB of secure local storage by p...

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Original price $72.99 - Original price $72.99
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$72.99
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Original price $292.99 - Original price $292.99
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$292.99
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Tapo TC85 V1 - network surveillance camera

TP Link

No Hidden CostsTP-Link Tapo products are a one-time purchase with no monthly fees or hidden costs. Up to 512GB of secure local microSD storage to k...

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Original price $292.99 - Original price $292.99
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Original price $147.99 - Original price $147.99
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$147.99
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SimpliSafe - Smart Lock Series 2 - White - White

Simplisafe

Your door is always secureLocks when you arm your system or automatically when you set a timer.Instant phone alerts and app controlKeep track of wh...

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Original price $147.99 - Original price $147.99
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$147.99
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Current price $147.99
Original price $291.99 - Original price $291.99
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$291.99
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Current price $291.99

Ring Floodlight Cam Pro with 2K Video and Ring Vision 2 LED Lights Dual Band Wi-Fi and 3D Motion Detection - Black

Ring

Watch over your property in 2K Video and check in at anytime with Live View.Get precise motion-activated alerts and hear and speak to people on cam...

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Original price $291.99 - Original price $291.99
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$291.99
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Original price $184.99 - Original price $184.99
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$184.99
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Ring - Spotlight Cam Plus Outdoor/Indoor 1080p Plug-In Surveillance Camera - White

Ring

Connects to your Wi-Fi networkOffers convenience and simple setup.Works with Amazon AlexaYou can connect your Ring camera to Alexa and then enable ...

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Original price $184.99 - Original price $184.99
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$184.99
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Original price $291.99 - Original price $291.99
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$291.99
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Current price $291.99

Ring Floodlight Cam Pro with 2K Video and Ring Vision 2 LED Lights Dual Band Wi-Fi and 3D Motion Detection - White

Ring

Watch over your property in 2K Video and check in at anytime with Live View.Get precise motion-activated alerts and hear and speak to people on cam...

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Original price $291.99 - Original price $291.99
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$291.99
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Current price $291.99
Original price $344.99 - Original price $344.99
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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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Original price $310.99 - Original price $310.99
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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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Original price $192.99 - Original price $192.99
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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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$192.99
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Current price $192.99
Original price $92.99 - Original price $92.99
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$92.99
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Current price $92.99

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 $92.99 - Original price $92.99
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$92.99
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Current price $92.99
Original price $302.99 - Original price $302.99
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$302.99
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Current price $302.99

Nest x Yale - Smart Lock Wi-Fi Replacement Deadbolt with App/Keypad/Voice assistant Access - Black Suede

Nest x Yale

Keyless entry with keypad.Keyless entry on the LED keypad lets you lock and unlock your front door without a key. The keypad plays different sounds...

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Original price $302.99 - Original price $302.99
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$302.99
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Original price $91.99 - Original price $91.99
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$91.99
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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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Original price $91.99 - Original price $91.99
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$91.99
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Current price $91.99
Original price $161.99 - Original price $161.99
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$161.99
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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 $161.99 - Original price $161.99
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$161.99
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Original price $125.99 - Original price $125.99
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$125.99
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Current price $125.99

Arlo - SmartHub - White

Arlo

Works with ArloSecurely connects Arlo Ultra Ultra 2 Pro 4 Pro 3 Pro 3 Floodlight Camera Essential Pro 2 Pro Wire-Free Video Doorbell and Audio Door...

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Original price $125.99 - Original price $125.99
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$125.99
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Current price $125.99
Original price $182.99 - Original price $182.99
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$182.99
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Current price $182.99

Amazon - Echo Show 8 (3rd Generation) 8-inch Smart Display with Alexa - Charcoal

AMAZON

Better inside and outEntertainment is more immersive with spatial audio and an 8" HD touchscreen. Video calling is crisper with high-quality sound ...

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Original price $182.99 - Original price $182.99
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$182.99
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Current price $182.99
Original price $295.99 - Original price $295.99
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$295.99
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Current price $295.99

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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Original price $295.99 - Original price $295.99
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$295.99
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Current price $295.99
Original price $147.99 - Original price $147.99
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$147.99
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Current price $147.99

SimpliSafe - Smart Lock Series 2 - White

Simplisafe

The SimpliSafe Smart Lock makes sure your door is always locked—even if you forget. It secures your door the minute you arm your system and unlocks...

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Original price $147.99 - Original price $147.99
Original price
$147.99
$147.99 - $147.99
Current price $147.99
Original price $147.99 - Original price $147.99
Original price
$147.99
$147.99 - $147.99
Current price $147.99

SimpliSafe - Smart Lock Series 2 - Black

Simplisafe

Your door is always secueLocks when you arm your system or automatically when you set a timer.Instant phone alerts and app controlKeep track of who...

View full details
Original price $147.99 - Original price $147.99
Original price
$147.99
$147.99 - $147.99
Current price $147.99
Original price $284.99 - Original price $284.99
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$284.99
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Current price $284.99

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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Original price $284.99 - Original price $284.99
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$284.99
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Current price $284.99
Original price $103.99 - Original price $103.99
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$103.99
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Current price $103.99

Ring - Outdoor Cam (Stick Up Cam) Indoor/Outdoor Wire Free 1080p Security Camera - White

Ring

Watch over your home in 1080p HD video and check in at anytime with Live View.Capture every moment nonstop with 24/7 Recording. Your 24/7 footage i...

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Original price $103.99 - Original price $103.99
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$103.99
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Current price $103.99
Original price $107.99 - Original price $107.99
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$107.99
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Current price $107.99

Wasserstein - Bird Feeder Camera Case Compatible with Blink Wyze and Ring Cam (Camera NOT Included) - Clear

Wasserstein

Smart Bird FeederThe Wasserstein Bird Feeder Smart Camera Case allows you to get up close photos and videos of birds and other wildlife as well as ...

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Original price $107.99 - Original price $107.99
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$107.99
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Current price $107.99
Original price $101.99 - Original price $101.99
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$101.99
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Current price $101.99

Wasserstein - Made for Google Nest Wired Doorbell Chime and Transmitter - White

Wasserstein

Convenient and easy to useThe Wasserstein Nest Doorbell Chime is compatible with your Google Nest Doorbell and will alert you when someone rings th...

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Original price $101.99 - Original price $101.99
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$101.99
$101.99 - $101.99
Current price $101.99
Original price $153.99 - Original price $153.99
Original price
$153.99
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Current price $153.99

Arlo - Safe Family Bundle 1-Year Safe Family Plan and 2 Safe Button Accessories - White

Arlo

Save When You BundleGet 1-year of the Arlo Safe Family Plan plus 2 Safe Button accessories that pair seamlessly with your smartphone with the Arlo ...

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Original price $153.99 - Original price $153.99
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$153.99
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Current price $153.99
Original price $160.99 - Original price $160.99
Original price
$160.99
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Current price $160.99

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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Original price $160.99 - Original price $160.99
Original price
$160.99
$160.99 - $160.99
Current price $160.99

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.