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

Arlo - Ultra 2 Add-on Camera Indoor/Outdoor Wireless 4K Security System - White

Arlo

Arlo SmartHub RequiredA compatible Arlo SmartHub or Basestation (sold separately) is required for operating the add-on Ultra 2 camera.Crystal-Clear...

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Original price $237.99 - Original price $237.99
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$237.99
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Original price $160.99 - Original price $160.99
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$160.99
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Blink - Outdoor 4 Battery-Powered 1080p Security Camera with Floodlight - Black

Blink

Peace of mindIlluminate your home with Blink Outdoor 4 Floodlight Camera featuring 700 lumens of motion-triggered LED lighting HD live view wire-fr...

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Original price $160.99 - Original price $160.99
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$160.99
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Original price $203.99 - Original price $203.99
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Arlo - Pro 3 Floodlight Camera - FB1001 - White

Arlo

Never be left in the darkBrightly illuminate your property to improve safety and visibility.Details matterZoom in on objects and see clearer detail...

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Original price $203.99 - Original price $203.99
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$203.99
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Original price $239.99 - Original price $239.99
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$239.99
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Current price $239.99

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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Current price $239.99
Original price $40.99 - Original price $40.99
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$40.99
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General Electric - CYNC 1-Camera Outdoor Wired Security Camera - BLACK

General Electric

Multiple storage optionsAll content can be stored in the Cloud using two-factor authentication or locally on a built-in SD drive (SD card sold sepa...

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Original price $40.99 - Original price $40.99
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$40.99
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Current price $40.99
Original price $315.99 - Original price $315.99
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$315.99
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Current price $315.99

Ring - Spotlight Cam Plus 2-pack Camera Indoor/Outdoor Wireless 1080p Security Cameras - Black

Ring

Look in anytimeWatch over your home day or night in wide-angle 1080p HD video with Color Night Vision and check in at anytime with Live View.Stop i...

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Original price $315.99 - Original price $315.99
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$315.99
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Current price $315.99
Original price $315.99 - Original price $315.99
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$315.99
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Current price $315.99

Ring - Spotlight Cam Plus 2-pack Camera Indoor/Outdoor Wireless 1080p Security Cameras - White

Ring

Look in anytimeWatch over your home day or night in wide-angle 1080p HD video with Color Night Vision and check in at anytime with Live View.Stop i...

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Original price $315.99 - Original price $315.99
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$315.99
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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

Philips - Hue A19 Bluetooth 75W Smart LED Starter Kit - White

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 $92.99 - Original price $92.99
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$92.99
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Original price $134.99 - Original price $134.99
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$134.99
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Lutron - Diva Smart Dimmer Switch Starter Kit - White

Lutron Electronics

Includes(1) Diva smart dimmer switch for Caseta smart lighting (1) wallplate (1) Pico smart remote (1) wallplate bracket and (1) smart hubPeace of ...

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Original price $134.99 - Original price $134.99
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Original price $181.99 - Original price $181.99
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$181.99
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Ring - Battery Doorbell Plus Smart Wifi Video Doorbell Battery Operated with Head-to-Toe View - Satin Nickel

Ring

Head-to-Toe ViewSee more of who's there - Battery Doorbell Plus with Head-to-Toe HD+ Video in 1536p gives you an expanded field of view so you can ...

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Original price $181.99 - Original price $181.99
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Original price $546.99 - Original price $546.99
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$546.99
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Lockly - Vision Elite Smart Lock Deadbolt with with App/Keypad/Biometric/Voice Assistant/Key Access Solar Charging - Matte Black

Lockly

HD video cameraBuilt-in IR-cut 1080P camera offers live video streaming in a wide vertical angle directly to your smartphone.Interactive doorbellEn...

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Original price $546.99 - Original price $546.99
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$546.99
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Original price $81.99 - Original price $81.99
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$81.99
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Arlo - Mounted Solar Panel Charger for Pro 5S 2K Pro 4 Pro 3 Floodlight Ultra 2 and Ultra Cameras - Black

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 $105.99 - Original price $105.99
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$105.99
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Arlo - Smart Wi-Fi Video Doorbell (2nd Generation) - Wired/Battery Operated with 1080p Resolution - White

Arlo

Full High DefinitionCapture clear video in 1080p Full High Definition.See More at Your Front DoorDesigned with an optimized viewing angle for the f...

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Original price $105.99 - Original price $105.99
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Original price $299.99 - Original price $299.99
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$299.99
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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 $299.99 - Original price $299.99
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Original price $292.99 - Original price $292.99
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$292.99
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Kwikset - Halo Smart Lock Wi-Fi Replacement Deadbolt with App/Touchscreen/Key Access - Polished Chrome

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 $292.99 - Original price $292.99
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$292.99
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Original price $265.99 - Original price $265.99
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$265.99
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Kwikset - Halo Smart Lock Wi-Fi Replacement Deadbolt with App/Touchscreen/Key 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 $265.99 - Original price $265.99
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$265.99
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Original price $505.99 - Original price $505.99
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Arlo - Ultra 2 Spotlight 3-Camera Security Bundle Indoor/Outdoor Wireless 4K Security System - White

Arlo

Exclusive Best Buy bundle -- a 1100 value if purchased separatelyIncludes (3) Ultra 2 Cameras (1) Base Station (4) rechargeable batteries (1) dual ...

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Original price $505.99 - Original price $505.99
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Original price $126.99 - Original price $126.99
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$126.99
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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 $126.99 - Original price $126.99
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Original price $228.99 - Original price $228.99
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$228.99
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ecobee - Enhanced Smart Programmable Touch-Screen Wi-Fi Thermostat with Alexa Apple HomeKit and Google Assistant - Black

EcoBee

ENERGY STAR certifiedSave up to 26 per year on heating and cooling costs. Automatically adjusts the temperature when you’re away to never heat or c...

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Original price $228.99 - Original price $228.99
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Original price $294.99 - Original price $294.99
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ecobee - Premium Smart Programmable Touch-Screen Thermostat with Siri Alexa Apple HomeKit and Google Assistant - Black

EcoBee

ENERGY STAR certified and Smart Sensor IncludedSave up to 26 per year on heating and cooling costs. Included SmartSensor (50 value) adjusts the tem...

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Original price $294.99 - Original price $294.99
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$294.99
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Current price $294.99
Original price $215.99 - Original price $215.99
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$215.99
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Ring - Floodlight Cam Plus Outdoor Wired 1080p Surveillance Camera - White

Ring

Ring AppSee hear and speak to people on camera in the Ring App with Live View and Two-Way Talk.Motion-activated AlertsGet precise motion-activated ...

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

Ring - Floodlight Cam Plus Outdoor Wired 1080p Surveillance Camera - Black

Ring

Ring AppSee hear and speak to people on camera in the Ring App with Live View and Two-Way Talk.Motion-activated AlertsGet precise motion-activated ...

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Original price $215.99 - Original price $215.99
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$215.99
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Current price $215.99
Original price $161.99 - Original price $161.99
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$161.99
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Current price $161.99

Google - Nest Smart Programmable Wifi Thermostat - Sand

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 $171.99 - Original price $171.99
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$171.99
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Govee - Dreamview TV Backlights and Light Bar with Camera for 55"-65" TVs - Multi

Govee

Double the immersive experienceThis kit combines the LED TV backlights of our basic Immersion system with 2 smart light bars for even fuller reacti...

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Original price $171.99 - Original price $171.99
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$171.99
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Current price $171.99
Original price $106.99 - Original price $106.99
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$106.99
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Current price $106.99

Philips - Hue BR30 Bluetooth 85W Smart LED Bulb (2-Pack) - White and Color Ambiance

Philips

Create a personalized experienceAt the touch of a button you can transform your living room with a pink glow or light your entire home in vibrant c...

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Original price $106.99 - Original price $106.99
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$106.99
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Current price $106.99
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 - 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 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 $161.99 - Original price $161.99
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$161.99
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Current price $161.99

Google - Nest Cam Indoor/Outdoor Wire Free Security Camera - 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 $161.99 - Original price $161.99
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$161.99
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Current price $161.99
Original price $374.99 - Original price $374.99
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$374.99
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Current price $374.99

Google - Nest Cam 2 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 $374.99 - Original price $374.99
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$374.99
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Current price $374.99
Original price $182.99 - Original price $182.99
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$182.99
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Current price $182.99

Ring - Spotlight Cam Plus Outdoor/Indoor Wireless 1080p Battery 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 $182.99 - Original price $182.99
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$182.99
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Current price $182.99
Original price $183.99 - Original price $183.99
Original price
$183.99
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Current price $183.99

Ring - Spotlight Cam Plus Outdoor/Indoor Wireless 1080p Battery Surveillance Camera - Black

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 $183.99 - Original price $183.99
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$183.99
$183.99 - $183.99
Current price $183.99
Original price $207.99 - Original price $207.99
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$207.99
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Current price $207.99

Honeywell Home - Smart Color Thermostat with Wi-Fi Connectivity - Silver

Honeywell

Comfort comes in your colorPersonalize your Wi-Fi Smart Color Programmable Thermostat to fit your decor.ENERGY STAR certifiedENERGY STAR certified ...

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Original price $207.99 - Original price $207.99
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$207.99
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Current price $207.99
Original price $181.99 - Original price $181.99
Original price
$181.99
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Current price $181.99

Nanoleaf - Shapes Hexagons 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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$181.99
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Current price $181.99
Original price $181.99 - Original price $181.99
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$181.99
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Current price $181.99

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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$181.99
$181.99 - $181.99
Current price $181.99
Original price $86.99 - Original price $86.99
Original price
$86.99
$86.99 - $86.99
Current price $86.99

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 $86.99 - Original price $86.99
Original price
$86.99
$86.99 - $86.99
Current price $86.99
Original price $151.99 - Original price $151.99
Original price
$151.99
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Current price $151.99

ecobee - Smart Video Doorbell - Wired with Advanced Person and Package Detection - Black

EcoBee

Cinematic HD Video¿with two-way talk.Full HD 1080p HDR with two-way talk to answer your door and talk to your guests from anywhere live through you...

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Original price $151.99 - Original price $151.99
Original price
$151.99
$151.99 - $151.99
Current price $151.99
Original price $86.99 - Original price $86.99
Original price
$86.99
$86.99 - $86.99
Current price $86.99

Chamberlain - MyQ Smart Garage Video Keypad Battery Operated - White

Chamberlain

Built-in cameraWith 1080p HD video and 160 degree wide angle view that helps busy homeowners know exactly who came in and whenSmartphone ControlLet...

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

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.