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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 $160.99 - Original price $160.99
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$160.99
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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
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$160.99
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Original price $244.99 - Original price $244.99
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Honeywell Home - T9 Smart Programmable Touch-Screen

Honeywell

Versatile compatibilityT9 works with most heating cooling and heat pump systems. It does not work with electric baseboard heaters (120-240V) dual f...

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Original price $244.99 - Original price $244.99
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$244.99
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Original price $182.99 - Original price $182.99
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$182.99
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Ring - 2-Pack 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 ViewHear and speak to people or your pets on camera from your phone or tab...

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Original price $182.99 - Original price $182.99
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$182.99
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Original price $94.99 - Original price $94.99
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$94.99
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Reolink - Argus Series B340 1 Outdoor Camera with Battery and Solar-powered 5MP 64GB - White

Reolink

Get better Day Night views with 5MP Super HDThe detailed views you see define the value of 5MP (2560x1920) 2K+ Super HD. Clear and uncompromising ...

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Original price $94.99 - Original price $94.99
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$94.99
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Original price $240.99 - Original price $240.99
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$240.99
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Kwikset - Halo Smart Lock Wi-Fi Replacement Deadbolt with App/Touchscreen/Key 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 $240.99 - Original price $240.99
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Original price $236.99 - Original price $236.99
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$236.99
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Nanoleaf - Blocks Combo XL Smarter Kit - Smart LED Wall Light Panels - Multicolor

Nanoleaf

Modular CustomizableBuild your own unique layout and customize with mix and match add-ons to make a display that's truly your own.Dynamic Lighting...

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Original price $236.99 - Original price $236.99
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Original price $273.99 - Original price $273.99
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Arlo - Home Security System Bundle - White

Arlo

Easy DIY InstallPlug-in Keypad Sensor Hub and wire-free Sensors make installation a breeze. Place the Wire-free Keypad accessory in any room for an...

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Original price $273.99 - Original price $273.99
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Original price $125.99 - Original price $125.99
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$125.99
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Swann - EVO HD Wi-Fi Video Doorbell Wired or wire-free motion detection night vision 2-way talk local/cloud storage - BLACK

Swann

Stunning Video ResolutionExperience stunning 1.7MP HD video resolution with a 140 x 140 viewing angle capturing clear details of faces head-to-toe ...

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Original price $125.99 - Original price $125.99
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Original price $163.99 - Original price $163.99
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Reolink - Argus Series B350 Outdoor Camera Battery/Solar-Powered 4K 64GB - White

Reolink

Fast stable 5/2.4GHz WiFiWith enhanced stability and lightning-fast 2.4/5GHz dual-band WiFi you'll enjoy lag-free seamless live viewing even in 4K...

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Original price $163.99 - Original price $163.99
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Original price $337.99 - Original price $337.99
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Govee - Wi-Fi RGBIC Outdoor Permanent String Lights 100ft - White

Govee

Lighting effects for holidays75 scene modes can cover more than 10 holidays and 8 DIY lighting effects to satisfy your various lighting needsSimple...

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Original price $337.99 - Original price $337.99
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Original price $394.99 - Original price $394.99
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$394.99
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Philips - Hue Play HDMI Sync Box 8K - Black

Philips

HDMI 2.1 CERTIFIED FOR THE HIGHEST QUALITY CONTENTWith an ultra-fast refresh rate you can sync your Hue lights to the highest quality video content...

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Original price $394.99 - Original price $394.99
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Original price $203.99 - Original price $203.99
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$203.99
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Reolink - Argus Series B360 Outdoor 4K Security Camera with 64GB MicroSD Solar Panel charged Battery Color Night Vision - White

Reolink

High ResolutionThe B360 boasts an impressive 8-megapixel resolution (3840 x 2160 pixels) delivering excellent image quality even in night vision mo...

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Original price $203.99 - Original price $203.99
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Original price $92.99 - Original price $92.99
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$92.99
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Nanoleaf - Essentials Matter Smart Multicolor HD Lightstrip 16.4ft (5m) - Flexible and Trimmable - White and Colors

Nanoleaf

Individually Addressable LEDsWatch multiple colors appear all at once along your addressable lightstrip for a stunning gradient effect with 60 colo...

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Original price $92.99 - Original price $92.99
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Original price $169.99 - Original price $169.99
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Reolink - E Series E560 Outdoor Plug-In 4K Security Camera with 64GB MicroSD PTZ Wi-Fi 6 Color Night Vision - White

Reolink

Image SensorThe E560 features a 1/2.8" CMOS sensor which allows for high-quality image capture.ResolutionIt boasts an impressive 8 megapixels with ...

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Original price $169.99 - Original price $169.99
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Original price $89.99 - Original price $89.99
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$89.99
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Wasserstein - Mountable Solar Kit for Ring Video Doorbell 3 and 3 Plus - Black

Wasserstein

Compatible with Ring Video Doorbell 3 and 3 PlusFor use with your existing device.5V solar chargerFeatures a mounting bracket with built-in solar p...

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Original price $89.99 - Original price $89.99
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$89.99
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Original price $196.99 - Original price $196.99
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$196.99
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Philips - Hue Battery Security Camera - White

Philips

Let Philips Hue Keep An Eye on Your HomeCrisp 1080p HD live stream turn on lights or send an alert to your mobile device when motion or sound is de...

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Original price $196.99 - Original price $196.99
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Original price $81.99 - Original price $81.99
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$81.99
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Swann - EVO 2K HD Indoor Wi-Fi Security Camera Plug-in motion detection night vision 2-way talk local/cloud storage - White

Swann

2K Resolution2x the resolution of 1080p for enhanced details and better digital zoom.Powered Wi-Fi ConnectionThe camera is AC powered just plug int...

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Original price $81.99 - Original price $81.99
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Original price $230.99 - Original price $230.99
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Reolink - Argus 4 advanced Series B740X 4K/8MP Dual Lens Battery Camera with 6W Solar Panel 64GB microSD Card - Black

Reolink

Color Vision Day and NightExperience full-color night vision with Reolink ColorX technology. Featuring an F/1.0 aperture lens and a 1/1.8" CMOS sen...

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Original price $230.99 - Original price $230.99
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Original price $589.99 - Original price $589.99
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Reolink - Advantage Series 8-Channel 4K PoE NVR Security Camera System with 4 Cameras - NVS8-8MB4 - Black White

Reolink

8 Channel Professional grade Network Video RecorderExpandable to a total of 8 Cameras4 x Indoor Outdoor Cameras4k Resolution -High-Definition Day a...

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Original price $589.99 - Original price $589.99
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Original price $82.99 - Original price $82.99
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Wasserstein - PoE Adapter for Google Nest Cam Battery - White

Wasserstein

LED indicatorsAt a glance show you that the adapter is operational.Weather-resistant cableOffers a durable construction along with high-grade mater...

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Original price $82.99 - Original price $82.99
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Original price $129.99 - Original price $129.99
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Amazon - Echo (4th Gen) With premium sound smart home hub and Alexa - Charcoal

AMAZON

New look new soundEcho delivers clear highs dynamic mids and deep bass for rich detailed sound that automatically adapts to any room.Voice control ...

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Original price $129.99 - Original price $129.99
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Original price $109.99 - Original price $109.99
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Honeywell Home - 7-Day Programmable Thermostat with Wi-Fi Capability - White

Honeywell

Thermostat that fits your life7-day 4 periods per day flexible programming lets you sync your comfort with your schedule.Easy-to-use appChoose from...

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Original price $109.99 - Original price $109.99
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Current price $109.99
Original price $261.99 - Original price $261.99
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$261.99
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eufy - E340 Outdoor Wired 3K PTZ Security Camera with Floodlights and Dual Lens - White

Eufy

Double the Cameras Double the PossibilitiesExperience 3K resolution with the telephoto and wide-angle lens dual cameras. Capture distant details cl...

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Original price $261.99 - Original price $261.99
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Original price $187.99 - Original price $187.99
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$187.99
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eufy - Smart Wi-Fi E340 2K Wired and Battery Operated Video Doorbell with Dual Cameras - Black

Eufy

Dual Cameras Double SecurityTwo cameras work together to deliver advanced viewing. The front-facing camera focuses on visitors while the downward-f...

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Original price $187.99 - Original price $187.99
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Original price $357.99 - Original price $357.99
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eufy - SoloCam S220 2-Outdoor Wireless 2K Solar Powered Security Cameras with Homebase 3 - White

Eufy

Smarter Facial RecognitionReduce false alerts with BionicMind on HomeBase S380 a self-learning AI that improves facial recognition accuracy to 99.9...

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Original price $357.99 - Original price $357.99
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Original price $236.99 - Original price $236.99
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eufy - S340 Outdoor Solar Powered 3K PTZ Security Camera with Dual Lens - White

Eufy

Enhanced Dual-Camera Clarity at 50 FeetCapture every event around your home in stellar 3K resolution. See exactly who and what is around your home ...

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Original price $236.99 - Original price $236.99
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Original price $104.99 - Original price $104.99
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$104.99
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Govee - Wi-Fi Bluetooth Smart Outdoor LED Strip Light 32ft - Multi

Govee

Smart voice controlGovee outdoor LED strip light supports Alexa Google Assistant intelligent control. Enjoy hands-free control of your lights using...

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Original price $104.99 - Original price $104.99
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$104.99
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Current price $104.99
Original price $238.99 - Original price $238.99
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$238.99
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eufy - SoloCam S40 2 Outdoor Wireless 2K 8GB Security Cameras with Integrated Solar Panel - White

Eufy

Forever Power Solar StyleSunlight each day is enough to continuously power SoloCam S230 so you never have to worry about changing the battery. And ...

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Original price $238.99 - Original price $238.99
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$238.99
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Original price $333.99 - Original price $333.99
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$333.99
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Smart Lock E330 with Chime WiFi Replacement Deadbolt with eufy AppKeypadBiometric Access - Light Gray

Eufy

3-in-1 Triple SecurityEnjoy full control over your front door and see detailed views day and night with Video Doorbell E330. An all-in-one device i...

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Original price $333.99 - Original price $333.99
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$333.99
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Original price $125.99 - Original price $125.99
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$125.99
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eufy - SoloCam S220 Outdoor Battery Powered Security Camera with Solar Charging - White

Eufy

Vivid 2K ResolutionCrisp clear views in perfect detail with 2K clarity so you see highly detailed views of what's happening outside your home.Wirel...

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Original price $125.99 - Original price $125.99
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Original price $158.99 - Original price $158.99
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$158.99
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Current price $158.99

eufy - SoloCam S40 Outdoor Wireless 2K Solar Spotlight Camera - White

Eufy

Forever power solar styleSunlight each day is enough to continuously power Spotlight Cam Solar 2K so you never have to worry about changing the bat...

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Original price $158.99 - Original price $158.99
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$158.99
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Current price $158.99
Original price $526.99 - Original price $526.99
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$526.99
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eufy - eufyCam 3 3-Outdoor Wireless 4K Solar Powered Security Cameras with HomeBase 3 - White

Eufy

See 4K Detail Day and NightGain full color clarity of humans or animals on your property even at night. The Starlight photosensitive system enhance...

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Original price $526.99 - Original price $526.99
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$526.99
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Original price $517.99 - Original price $517.99
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$517.99
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eufy - eufyCam 3 2-Outdoor Wireless 4K Solar Powered Security Cameras with HomeBase 3 - White/Black

Eufy

See 4K Detail Day and NightSpot tiny features on any potential trespasser (human or animal) with eufyCam 3—even at night. The Starlight photosensi...

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Original price $517.99 - Original price $517.99
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$517.99
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Current price $517.99
Original price $125.99 - Original price $125.99
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$125.99
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Current price $125.99

eufy - Smart Wi-Fi C31 2K Wired and Battery Operated Video Doorbell with 32GB MicroSD Card - Black

Eufy

See Visitors in Crisp 2K ClarityExperience enhanced detailed 2K FHD footage of visitors and delivery people even at night. Its 43 aspect ratio prov...

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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 $210.99 - Original price $210.99
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$210.99
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Current price $210.99

Smart Lock E31 WiFi Replacement Deadbolt Unlock with eufy App Keypad Smart Devices and Fingerprint - Black

Eufy

Apple Home and Third-Party SupportEnjoy multiple door unlocking options with easy integration to a range of smart home automation devices including...

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Original price $210.99 - Original price $210.99
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$210.99
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Current price $210.99
Original price $906.99 - Original price $906.99
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$906.99
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Current price $906.99

eufy - eufyCam 3 5-Outdoor Wireless 4K Solar Powered Security Cameras with HomeBase 3 - White

Eufy

See 4K Detail Day and NightSpot tiny features on any potential trespasser (human or animal) with eufyCam S330—even at night. The Starlight photosen...

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Original price $906.99 - Original price $906.99
Original price
$906.99
$906.99 - $906.99
Current price $906.99

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.