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

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 $81.99 - Original price $81.99
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$81.99
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Current price $81.99
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 Smart Wi-Fi Light Dimmer Switch with Matter (4-Pack) - Replaces Most Traditional Switches - White

TP Link

Replaces Most Traditional Light SwitchesUpgrade your home by raplacing your traditional light switches with TP-Link Tapo Smart Switches. Works in t...

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Original price $66.99 - Original price $66.99
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$66.99
$66.99 - $66.99
Current price $66.99
Original price $162.99 - Original price $162.99
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$162.99
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Current price $162.99

Govee - RGBIC Curtain Lights - Multi

Govee

Pattern display abilityContain 520 teardrop-shaped light beads allowing for a higher pixel densityDIY modeBring your creativity to the forefront wi...

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Original price $162.99 - Original price $162.99
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$162.99
$162.99 - $162.99
Current price $162.99
Original price $82.99 - Original price $82.99
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$82.99
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Current price $82.99

Govee - Dreamview TV Strip Lights for 55- 65 TVs - Multi

Govee

1080p Smart cameraIntelligently capture the colors on screen and automatically apply them to your lights.Segmented color controlCustomize the color...

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Original price $82.99 - Original price $82.99
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$82.99
$82.99 - $82.99
Current price $82.99
Original price $354.99 - Original price $354.99
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$354.99
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Current price $354.99

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 $354.99 - Original price $354.99
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$354.99
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Current price $354.99
Original price $194.99 - Original price $194.99
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$194.99
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Current price $194.99

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 $194.99 - Original price $194.99
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$194.99
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Current price $194.99
Original price $294.99 - Original price $294.99
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$294.99
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Current price $294.99

Yale - Assure Lock - Smart Lock Wi-Fi Lever with Touchscreen Keypad Key Access - Black Suede

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 $294.99 - Original price $294.99
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$294.99
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Current price $294.99
Original price $90.99 - Original price $90.99
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$90.99
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Current price $90.99

SimpliSafe - Smoke Carbon Monoxide Detector - White

Simplisafe

Instant alerts - even when you’re not homeGet alerted to dangerous levels of smoke or CO in your home in real time on your phone with the SimpliSaf...

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Original price $90.99 - Original price $90.99
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$90.99
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Current price $90.99
Original price $152.99 - Original price $152.99
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$152.99
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eufy - S380 HomeBase 3 Indoor Wired Base Station with 16GB of Storage Built In - White

Eufy

BionicMind AI Empowers Your SecurityIntelligently recognizes and differentiates between family and strangers with up to 99 accuracy. The self-learn...

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Original price $152.99 - Original price $152.99
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$152.99
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Current price $152.99
Original price $68.99 - Original price $68.99
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$68.99
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GE - Cync 10 Foot Dynamic Effects Smart LED Neon Shape Light - Color Changing - Full Color

General Electric

Bendable LED Strip LightsBend the flexible LED strip to create shapes designs and words; Control each segment separately with “independent control ...

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Original price $68.99 - Original price $68.99
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$68.99
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Original price $83.99 - Original price $83.99
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$83.99
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Amazon - Echo Show 5 Kids (3rd Generation) 5.5 inch Smart Display with Alexa - Galaxy

AMAZON

Learn and play with AlexaKids can ask Alexa to play videos help with homework and make video calls to approved contacts.Bigger sound for big imagin...

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Original price $83.99 - Original price $83.99
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$83.99
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Current price $83.99
Original price $435.99 - Original price $435.99
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$435.99
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Current price $435.99

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 $435.99 - Original price $435.99
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$435.99
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Current price $435.99
Original price $221.99 - Original price $221.99
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$221.99
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Current price $221.99

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 $221.99 - Original price $221.99
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$221.99
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Current price $221.99
Original price $123.99 - Original price $123.99
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$123.99
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Current price $123.99

Philips - Hue Solo Lightstrip 5m (16ft) - White and Color Ambiance

Philips

Includes one Hue Solo 5 meter lightstripSeamless blend of multicolor light in a single LED stripSet the mood instantly with Bluetooth and easily co...

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Original price $123.99 - Original price $123.99
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$123.99
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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

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 $201.99 - Original price $201.99
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$201.99
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Current price $201.99

TP-Link - Tapo Smart Wire-Free Indoor/Outdoor Security Camera (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. Up to 512GB of secure local microSD storage to k...

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Original price $201.99 - Original price $201.99
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$201.99
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Original price $248.99 - Original price $248.99
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$248.99
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Current price $248.99

Govee - Wi-Fi RGBIC Outdoor Permanent String Lights 100ft - Black

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 $248.99 - Original price $248.99
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$248.99
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Current price $248.99
Original price $81.99 - Original price $81.99
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$81.99
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Current price $81.99

Govee - 24.6' RGBIC Strip Light with Smart LED Bulb - Multi

Govee

Reliable brightnessWith over 1200 Lumens these smart bulbs can brighten your home than most bulbs currently on the market. These RGB 12W bulbs have...

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Original price $81.99 - Original price $81.99
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$81.99
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Current price $81.99
Original price $126.99 - Original price $126.99
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$126.99
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Current price $126.99

Govee - Outdoor 500 Lumens Wi-Fi Smart LED Wall Light - Multi

Govee

Charming lighting effectsGovee Outdoor Wall Light can simultaneously display 3 colors horizontally providing an immersive DIY experience with 45 sc...

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Original price $126.99 - Original price $126.99
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Current price $126.99
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 $630.99 - Original price $630.99
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$630.99
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Current price $630.99

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 $630.99 - Original price $630.99
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$630.99
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Current price $630.99
Original price $93.99 - Original price $93.99
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$93.99
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Current price $93.99

eufy - Smart Wi-Fi C30 2K Wireless Video Doorbell with 32GB MicroSD Card - Black

Eufy

Detailed 2K FHD ClarityEnjoy detailed vivid visuals from 2K FHD clarity as 169 expanded views provide a wider picture of your entire front door are...

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Original price $93.99 - Original price $93.99
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$93.99
$93.99 - $93.99
Current price $93.99
Original price $175.99 - Original price $175.99
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$175.99
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Current price $175.99

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 $175.99 - Original price $175.99
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$175.99
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Current price $175.99
Original price $112.99 - Original price $112.99
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$112.99
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Current price $112.99

Night Owl - Indoor/Outdoor Plug-In Wi-Fi 4K 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 4K r...

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Original price $112.99 - Original price $112.99
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$112.99
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Current price $112.99
Original price $108.99 - Original price $108.99
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$108.99
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Current price $108.99

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

Eufy

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

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Original price $108.99 - Original price $108.99
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$108.99
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Current price $108.99
Original price $382.99 - Original price $382.99
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$382.99
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Current price $382.99

Skylight - Calendar 15 Inch Touchscreen Smart Calendar and Chore Chart - Silver

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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$382.99
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Current price $382.99
Original price $140.99 - Original price $140.99
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$140.99
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Current price $140.99

Philips - Hue Wired 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 $140.99 - Original price $140.99
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$140.99
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Current price $140.99
Original price $77.99 - Original price $77.99
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$77.99
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Current price $77.99

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 $77.99 - Original price $77.99
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$77.99
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Current price $77.99
Original price $322.99 - Original price $322.99
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$322.99
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Current price $322.99

Arlo - Essential 4-Camera Outdoor Wireless 2K Security Camera (2nd Generation) with Yard Sign - White

Arlo

Exclusive bundle -- a 425 value if purchased separately185;Includes (4) Essential Outdoor Camera 2K - 2nd Generation and (1) Arlo Security Yard Sig...

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Original price $322.99 - Original price $322.99
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$322.99
$322.99 - $322.99
Current price $322.99
Original price $400.99 - Original price $400.99
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$400.99
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Current price $400.99

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 $400.99 - Original price $400.99
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$400.99
$400.99 - $400.99
Current price $400.99
Original price $103.99 - Original price $103.99
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$103.99
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Current price $103.99

Arlo - Essential 1-Camera Indoor Wired 2K Security Camera (2nd Generation) with Automated Privacy Shield - White

Arlo

2K VideoSee important details clearly like name tags and labels when zooming in.Automated Privacy ShieldKeep your private moments private by easily...

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Original price $103.99 - Original price $103.99
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$103.99
$103.99 - $103.99
Current price $103.99
Original price $337.99 - Original price $337.99
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$337.99
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Current price $337.99

Ring - Alarm Security Kit 9-Piece (2nd Gen) - White

Ring

InstallationDIY installation customizable protection for any home 104-decibel siren 24-hour backup battery optional 24/7 emergency support with Ala...

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Original price $337.99 - Original price $337.99
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$337.99
$337.99 - $337.99
Current price $337.99
Original price $60.99 - Original price $60.99
Original price
$60.99
$60.99 - $60.99
Current price $60.99

Ring - Pan-Tilt Indoor Security Cam with 360 Horizontal Pan Coverage Live View Two-Way Talk and HD Video - Black

Ring

360 Horizontal Pan CoveragePan 360 around your home and tilt up and down from your phone.Live ViewSee and respond to activity with Live View.Two-Wa...

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Original price $60.99 - Original price $60.99
Original price
$60.99
$60.99 - $60.99
Current price $60.99
Original price $82.99 - Original price $82.99
Original price
$82.99
$82.99 - $82.99
Current price $82.99

Govee - RGBIC LED Neon Rope Light for Desks 6.5ft - Multi

Govee

Segmented RGBIC color control42 controllable segments customize RGBIC lighting effects. 14 zones per meter 16.8 million colors and 64+ scene modesG...

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Original price $82.99 - Original price $82.99
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$82.99
$82.99 - $82.99
Current price $82.99
Original price $207.99 - Original price $207.99
Original price
$207.99
$207.99 - $207.99
Current price $207.99

Philips - Hue Solo Lightstrip 10m (33ft) - White and Color Ambiance

Philips

Includes one Hue Solo 10 meter or 32 feet lightstripSeamless blend of multicolor light in a single LED stripSet the mood instantly with Bluetooth a...

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Original price $207.99 - Original price $207.99
Original price
$207.99
$207.99 - $207.99
Current price $207.99
Original price $100.99 - Original price $100.99
Original price
$100.99
$100.99 - $100.99
Current price $100.99

Govee - Dreamview TV Strip Lights for 75- 85 TVs - Multi

Govee

1080p Smart cameraIntelligently capture the colors on screen and automatically apply them to your lights.Segmented color controlCustomize the color...

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Original price $100.99 - Original price $100.99
Original price
$100.99
$100.99 - $100.99
Current price $100.99

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.