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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 $66.99 - Original price $66.99
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Current price $66.99

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

AMAZON

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.Alexa+ Early...

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Original price $66.99 - Original price $66.99
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$66.99
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Current price $66.99
Original price $238.99 - Original price $238.99
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$238.99
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TP-Link - Tapo Wired Floodlight Wi-Fi Security 2K Camera with Utra-Bright Dimmable Floodlights - No Monthly Fees - White

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 $238.99 - Original price $238.99
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$238.99
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Original price $108.99 - Original price $108.99
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$108.99
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Night Owl - Indoor/Outdoor Wire Free 2K Security Camera with 2-Way Audio - 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 2K r...

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Original price $108.99 - Original price $108.99
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$108.99
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Current price $108.99
Original price $94.99 - Original price $94.99
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$94.99
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Current price $94.99

TP-Link - Tapo Indoor 2K Wi-Fi Security Plug-In Camera with Automated Privacy Shutter and Magnetic Base (2-pack) - No Monthly Fees - White

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 $94.99 - Original price $94.99
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$94.99
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Original price $205.99 - Original price $205.99
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Govee - Spotlights 4 Packs - Multi

Govee

Color-changing RGBIncludes 35 scene modes to adorn your garden.IP65 WaterproofEnjoy year-round outdoor lights no matter the weather.Stronger lighti...

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Original price $205.99 - Original price $205.99
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Original price $692.99 - Original price $692.99
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Skylight - Calendar Max 27 inch Touchscreen Smart Calendar and Family Organizer - Aluminum

Skylight

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 $692.99 - Original price $692.99
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Original price $105.99 - Original price $105.99
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Night Owl - Outdoor Wired Floodlight Deterrence 3MP HD+ Camera with 2-Way Audio - 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 3MP ...

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Original price $105.99 - Original price $105.99
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Original price $293.99 - Original price $293.99
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Yale - Assure Lock - Smart Lock Wi-Fi Lever with Touchscreen Keypad Key Access - Satin Nickel

Yale

Replaces your existing lever or knobon doors with a single hole (no deadbolt) that are 1-3/8" to 1-3/4" thick with just a screwdriverLock unlock sh...

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Original price $293.99 - Original price $293.99
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Original price $66.99 - Original price $66.99
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$66.99
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Current price $66.99

TP-Link - Tapo Indoor 2K Wi-Fi Security Plug-In Camera with Automated Privacy Shutter and Magnetic Base - No Monthly Fees - White

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 $66.99 - Original price $66.99
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Original price $126.99 - Original price $126.99
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Yale - Code Keypad Deadbolt - Black Suede

Yale

Security made simplerYale Code adds a key-free entry method to your door so you can share access and secure your home.Beginner-friendly and entry-l...

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Original price $126.99 - Original price $126.99
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Original price $126.99 - Original price $126.99
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Yale - Code Keypad Deadbolt - Satin Nickel

Yale

Security made simplerYale Code adds a key-free entry method to your door so you can share access and secure your home.Beginner-friendly and entry-l...

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Original price $126.99 - Original price $126.99
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Original price $426.99 - Original price $426.99
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TP-Link - Tapo Wire-Free Dual Band Indoor/Outdoor 4K Smart Security Cameras 24/7 Always Monitoring Magnetic Base (3-pack) No Fees - White

TP Link

24/7 Continuous Capture. Always On Always MonitoringDitch battery limitations and experience 24/7 continuous capture. With automatic capture inter...

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Original price $426.99 - Original price $426.99
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Original price $47.99 - Original price $47.99
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Blink - Video Doorbell - Head-to-toe HD view two-year battery simple setup Required Sync Module Not included - White

Blink

Second GenerationVideo Doorbell is our second-generation smart security doorbell with up to two years of battery life an expanded field of view and...

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Original price $47.99 - Original price $47.99
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Original price $286.99 - Original price $286.99
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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 $286.99 - Original price $286.99
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Original price $286.99 - Original price $286.99
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Google - Nest Learning Thermostat (4th gen) with Nest Temperature Sensor (2nd gen) - Polished Silver

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 $286.99 - Original price $286.99
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$286.99
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Current price $286.99
Original price $286.99 - Original price $286.99
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$286.99
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Current price $286.99

Google - Nest Learning Thermostat (4th gen) with Nest Temperature Sensor (2nd gen) - Polished Obsidian

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 $286.99 - Original price $286.99
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Original price $92.99 - Original price $92.99
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TP-Link - Tapo DL100 Smart Wi-Fi Deadbolt Door Lock Keyless Tactile Buttons App-Controlled Custom Access Fits Standard Doors - Black

TP Link

Quick Easy InstallationTapo DL100 offers hassle-free setup with all mounting tools includedAA Battery PoweredLasts up to 200 days in Wi-Fi mode o...

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Original price $92.99 - Original price $92.99
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Original price $392.99 - Original price $392.99
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Level - Lock+ Smart Lock Bluetooth Replacement Deadbolt with Apple HomeKey/App/Key - Satin Nickel

Level

Invisibly smart simple to installDesigned to fit in the footprint of a traditional lock leaving no trace of technology on the inside or outside of...

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Original price $392.99 - Original price $392.99
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Original price $382.99 - Original price $382.99
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Skylight - Calendar 15 Inch Touchscreen Smart Calendar and Chore Chart - White

Skylight

FeaturesSkylight Calendar seamlessly auto-syncs family member's calendars so everyone's schedule is displayed in one place. With the free mobile ap...

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Original price $382.99 - Original price $382.99
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Original price $95.99 - Original price $95.99
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Ring - Starter Set with Battery Doorbell and Indoor Cam - Satin Nickel and White

Ring

Battery Doorbell - Head to Toe VideoSee more of who stops by and check on package deliveries with Head-to-Toe Video.Battery Doorbell - Live ViewVie...

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Original price $95.99 - Original price $95.99
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Original price $264.99 - Original price $264.99
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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 $264.99 - Original price $264.99
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Original price $69.99 - Original price $69.99
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TP-Link - Tapo P316M Smart Power Strip with 6 Individually Controlled Smart Outlets 3 USB Ports with Surge Protection - White

TP Link

Power Up to 9 Devices at OnceFeatures 6 smart outlets with individual control and 3 always-on USB ports for simultaneous charging providing a high-...

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Original price $69.99 - Original price $69.99
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Original price $147.99 - Original price $147.99
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Govee - Gaming Pixel Light - Multi

Govee

Dynamic DisplaysEnjoy dynamic animations at 30fps and unleash your creativity with the freedom to upload and display your creations.AI-Powered Pixe...

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Original price $147.99 - Original price $147.99
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Original price $205.99 - Original price $205.99
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Yale - Smart Lock with Matter Designed for Google Home; Electronic Deadbolt with Pushbutton Keypad - Snow

Yale

Built with Matter onboardA unified technology that makes smart devices work seamlessly together across brands giving you the freedom to use your fa...

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Original price $205.99 - Original price $205.99
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Original price $103.99 - Original price $103.99
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$103.99
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Swann - EVO Solar 2K Outdoor Wi-Fi Security Camera Motion Detect Night Vision 2-Way Talk Local Storage 16GB Card - White

Swann

2K Quad HD Video ResolutionWhether it's bright daylight or the middle of the night this camera delivers sharp images thanks to advanced image senso...

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Original price $103.99 - Original price $103.99
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Original price $226.99 - Original price $226.99
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$226.99
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Yale - Smart Lock with Matter Designed for Google Home; Electronic Deadbolt with Pushbutton Keypad - Matte Black

Yale

Built with Matter onboardA unified technology that makes smart devices work seamlessly together across brands giving you the freedom to use your fa...

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Original price $226.99 - Original price $226.99
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Original price $159.99 - Original price $159.99
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First Alert - Smoke and Carbon Monoxide Detector Battery Powered - White

First Alert

SC5 Battery Smart Smoke Carbon Monoxide AlarmThe fire safety you trust is now connected and compatible. Add smart fire safety alerts to your home ...

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Original price $159.99 - Original price $159.99
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Current price $159.99
Original price $45.99 - Original price $45.99
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Blink - Outdoor 4 Wireless smart security camera two-year battery life 1080p HD. Sync Module Core included 1 Camera - Black

Blink

Fourth GenerationOutdoor 4 is our fourth-generation wireless smart security camera with up to two-year battery life for around-the-clock peace of m...

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Original price $45.99 - Original price $45.99
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Original price $149.99 - Original price $149.99
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$149.99
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Blink - Outdoor 4 Wireless smart security camera two-year battery life 1080p HD. Sync Module Core included 5 Cameras - Black

Blink

Fourth GenerationOutdoor 4 is our fourth-generation wireless smart security camera with up to two-year battery life for around-the-clock peace of m...

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Original price $149.99 - Original price $149.99
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Original price $170.99 - Original price $170.99
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$170.99
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Yale - Smart Lock Conversion Kit Works with Existing Deadbolt Keys Wi-Fi Access - Black

Yale

Ultimate ConvenienceEnjoy secure keyless access for your family friends vacation rental guests and more. Lock unlock share virtual keys and keep ta...

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Original price $170.99 - Original price $170.99
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$170.99
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Original price $98.99 - Original price $98.99
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$98.99
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Current price $98.99

Blink - Outdoor 4 Wireless smart security camera two-year battery life 1080p HD. Sync Module Core included 3 Cameras - Black

Blink

Fourth GenerationOutdoor 4 is our fourth-generation wireless smart security camera with up to two-year battery life for around-the-clock peace of m...

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Original price $98.99 - Original price $98.99
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$98.99
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Current price $98.99
Original price $222.99 - Original price $222.99
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$222.99
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Blink - Outdoor 4 XR — Wireless security camera with extended range up to 400 feet. Sync Module XR included — 6 Cameras - Black

Blink

Blink Sync Module XRBlink Sync Module XR is the first system hub to extend the range of your Blink Outdoor 4 wire-free smart security cameras so yo...

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Original price $222.99 - Original price $222.99
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$222.99
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Current price $222.99
Original price $93.99 - Original price $93.99
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$93.99
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Blink - Outdoor 4 XR — Wireless security camera with extended range up to 400 feet. Sync Module XR included — 2 Cameras - Black

Blink

Blink Sync Module XRBlink Sync Module XR is the first system hub to extend the range of your Blink Outdoor 4 wire-free smart security cameras so yo...

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Original price $93.99 - Original price $93.99
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$93.99
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Current price $93.99
Original price $125.99 - Original price $125.99
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$125.99
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Arlo - Wired Floodlight Security Camera - FLW2001 - White

Arlo

2K HDR VideoSee more with higher resolution than 1080p HD security cameras and get better contrast with HDR.Wider Field of ViewSee the bigger pictu...

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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 $70.99 - Original price $70.99
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$70.99
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Current price $70.99

Blink - Outdoor 2K+ Wireless Smart Security Camera 2K video Two-way audio w/ noise cancellation Smart detection - 1CAM - Black

Blink

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 $70.99 - Original price $70.99
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$70.99
$70.99 - $70.99
Current price $70.99
Original price $211.99 - Original price $211.99
Original price
$211.99
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Current price $211.99

Blink - Outdoor 2K+ Wireless Smart Security Camera 2K video Two-way audio w/ noise cancellation Smart detection - 5CAM - Black

Blink

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 $211.99 - Original price $211.99
Original price
$211.99
$211.99 - $211.99
Current price $211.99

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.