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

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 $92.99 - Original price $92.99
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$92.99
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Current price $92.99
Original price $238.99 - Original price $238.99
Original price
$238.99
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Current price $238.99

Amazon - Echo Studio Hi-Res Smart Speaker with Dolby Atmos and Spatial Audio Processing Technology and Alexa - Glacier White

AMAZON

Enjoy an immersive audio experienceEcho Studio features spatial audio processing technology for a wider and more immersive audio experience. Its 5 ...

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Original price $238.99 - Original price $238.99
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$238.99
$238.99 - $238.99
Current price $238.99
Original price $127.99 - Original price $127.99
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$127.99
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Current price $127.99

ecobee - SmartCamera with voice control - Black/White

EcoBee

HD Video and Night VisionStream continuous ultra-clear 1080p HD video to your phone day or night. Feel like you're home even when you’re notPerson ...

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Original price $127.99 - Original price $127.99
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$127.99
$127.99 - $127.99
Current price $127.99
Original price $105.99 - Original price $105.99
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$105.99
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Current price $105.99

Amazon - Smart Programmable Thermostat with Alexa C-Wire Required - White

AMAZON

Smart upgradeAmazon Smart Thermostat is an easy way to switch from a traditional thermostat and help reduce energy usage.Save moneyAfter purchase A...

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Original price $105.99 - Original price $105.99
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$105.99
$105.99 - $105.99
Current price $105.99
Original price $238.99 - Original price $238.99
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$238.99
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Current price $238.99

Amazon - Echo Studio Hi-Res Smart Speaker with Dolby Atmos and Spatial Audio Processing Technology and Alexa - Charcoal

AMAZON

Enjoy an immersive audio experienceEcho Studio features spatial audio processing technology for a wider and more immersive audio experience. Its 5 ...

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Original price $238.99 - Original price $238.99
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$238.99
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Current price $238.99
Original price $87.99 - Original price $87.99
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$87.99
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Current price $87.99

Govee - 49.2ft Wi-Fi RGBICW LED Strip Light - Multi

Govee

Smart RGBIC effectsUnlike RGB RGBIC LED strip lights present stunning segmented colors on a line. The smart LED strip lights create a colorful ligh...

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

Ring - 3-Pack Pan-Tilt Indoor Security Cam with 360 Horizontal Pan Coverage Live View Two-Way Talk and HD Video - White

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 $216.99 - Original price $216.99
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$216.99
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Current price $216.99
Original price $78.99 - Original price $78.99
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$78.99
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Current price $78.99

Ring - Battery Doorbell Smart Wifi Video Doorbell - Battery-Powered with Head-to-Toe Video Live View and Two-Way Talk - Venetian Bronze

Ring

Head-to-Toe VideoSee more of who stops by and make sure packages stay safe and hidden while you're away.Live ViewView and respond to activity in HD...

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Original price $78.99 - Original price $78.99
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$78.99
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Current price $78.99
Original price $81.99 - Original price $81.99
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$81.99
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Current price $81.99

TP-Link - Tapo TTB10 Smart Sensor Starter Kit - Motion Detector Contact Sensors and Hub Included - White

TP Link

Window Door SafeguardStay informed of every moment. Monitor doors windows cabinets refrigerators and mailboxes for suspicious activity and receive...

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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 $104.99 - Original price $104.99
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$104.99
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Current price $104.99

ecobee - SmartSensor for Doors and Windows (2-Pack) - White

EcoBee

Receive instant notification when a door or window is opened or closed.Real-time notifications whenever a door or window is opened or closed throug...

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

Ring - Essential Security Set with Battery Doorbell Plus and Indoor Cam - Satin Nickel and White

Ring

See more of who's thereBattery Doorbell Plus with Head-to-Toe HD+ Video in 1536p gives you an expanded field of view so you can see more of who's a...

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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 $80.99 - Original price $80.99
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$80.99
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Current price $80.99

TP-Link - Tapo Pan-Tilt Indoor 2K Wi-Fi Security Plug-In Camera with Privacy Control and Smart Motion Tracking - 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 $80.99 - Original price $80.99
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$80.99
$80.99 - $80.99
Current price $80.99
Original price $78.99 - Original price $78.99
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$78.99
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Current price $78.99

Ring - Battery Doorbell Smart Wifi Video Doorbell - Battery-Powered with Head-to-Toe Video Live View and Two-Way Talk - Satin Nickel

Ring

Head-to-Toe VideoSee more of who stops by and make sure packages stay safe and hidden while you're away.Live ViewView and respond to activity in HD...

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Original price $78.99 - Original price $78.99
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$78.99
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Current price $78.99
Original price $181.99 - Original price $181.99
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$181.99
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Current price $181.99

TP-Link - Tapo DL110 Smart Wi-Fi Deadbolt Lock - Lock/Unlock using Keypad App or Fingerprint Recognition - Replaces Most Locks - Black

TP Link

6 Ways to Securely AccessLock and unlock by fingerprint passcode Wi-Fi close-range Bluetooth voice commands or with included backup keys.1-Year Bat...

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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 $54.99 - Original price $54.99
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$54.99
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Current price $54.99

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

Ring

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

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Original price $54.99 - Original price $54.99
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$54.99
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Current price $54.99
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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$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 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 $144.99 - Original price $144.99
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$144.99
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Current price $144.99

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 $144.99 - Original price $144.99
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$144.99
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Current price $144.99
Original price $54.99 - Original price $54.99
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$54.99
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Current price $54.99

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

Ring

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

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Original price $54.99 - Original price $54.99
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$54.99
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Current price $54.99
Original price $391.99 - Original price $391.99
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$391.99
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Current price $391.99

Swann - AllSecure 4K Wireless Security System w/ 3 Wire-Free Cameras No Monthly Fees Local Storage 2-Way Audio Night Vision - White

Swann

The Security Tower of PowerComes with a convenient charging bay on the Power Hub spare battery for seamless swaps up to 5 hours backup power duri...

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Original price $391.99 - Original price $391.99
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$391.99
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Current price $391.99
Original price $97.99 - Original price $97.99
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$97.99
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Current price $97.99

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. Up to 512GB of secure local microSD storage to k...

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Original price $97.99 - Original price $97.99
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$97.99
$97.99 - $97.99
Current price $97.99
Original price $69.99 - Original price $69.99
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$69.99
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Current price $69.99

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...

View full details
Original price $69.99 - Original price $69.99
Original price
$69.99
$69.99 - $69.99
Current price $69.99
Original price $216.99 - Original price $216.99
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$216.99
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Current price $216.99

TP-Link - Tapo Wire-Free Indoor/Outdoor Cameras with up to 300 days of Battery Life and Magnetic Base (3-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 $216.99 - Original price $216.99
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$216.99
$216.99 - $216.99
Current price $216.99
Original price $68.99 - Original price $68.99
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$68.99
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Current price $68.99

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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Current price $68.99
Original price $148.99 - Original price $148.99
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$148.99
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Current price $148.99

GE - Cync Dynamic Effects Smart LED Hexagon Panel Lights (7 Pack) - Color Changing - Full Color

General Electric

LED Hexagon Light PanelsIndividually adjust color segments by panel to create a unique light show with “independent control; Design your own layout...

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Original price $148.99 - Original price $148.99
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$148.99
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Current price $148.99
Original price $41.99 - Original price $41.99
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$41.99
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Current price $41.99

GE - Cync 8 Foot Indoor Smart LED Light Strip Extension (Power Supply Sold Separately) - EXTENSION ONLY - Full Color

GE

Millions of Vibrant ColorsUse the Cync app Powered by Savant color wheel and TRUEImage technology to elevate the vibe and enhance your home decor; ...

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Original price $41.99 - Original price $41.99
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$41.99
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Current price $41.99
Original price $217.99 - Original price $217.99
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$217.99
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Current price $217.99

Govee - Wi-Fi RGBIC Outdoor Permanent String Lights 50ft - 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 $217.99 - Original price $217.99
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$217.99
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Current price $217.99
Original price $273.99 - Original price $273.99
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$273.99
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Current price $273.99

TP-Link - Tapo Outdoor Battery-Powered Wireless 2K Security Camera with Solar Panels (3-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 $273.99 - Original price $273.99
Original price
$273.99
$273.99 - $273.99
Current price $273.99
Original price $82.99 - Original price $82.99
Original price
$82.99
$82.99 - $82.99
Current price $82.99

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...

View full details
Original price $82.99 - Original price $82.99
Original price
$82.99
$82.99 - $82.99
Current price $82.99
Original price $82.99 - Original price $82.99
Original price
$82.99
$82.99 - $82.99
Current price $82.99

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

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...

View full details
Original price $82.99 - Original price $82.99
Original price
$82.99
$82.99 - $82.99
Current price $82.99
Original price $56.99 - Original price $56.99
Original price
$56.99
$56.99 - $56.99
Current price $56.99

GE - Cync 8 Foot Outdoor Smart LED Light Strip Extension (Power Supply Sold Separately) - EXTENSION ONLY - 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 $56.99 - Original price $56.99
Original price
$56.99
$56.99 - $56.99
Current price $56.99
Original price $348.99 - Original price $348.99
Original price
$348.99
$348.99 - $348.99
Current price $348.99

TP-Link - Tapo Outdoor Battery-Powered Wireless 2K Security Camera with Solar Panels (4-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...

View full details
Original price $348.99 - Original price $348.99
Original price
$348.99
$348.99 - $348.99
Current price $348.99
Original price $284.99 - Original price $284.99
Original price
$284.99
$284.99 - $284.99
Current price $284.99

TP-Link - Tapo Wire-Free Indoor/Outdoor Cameras with up to 300 days of Battery Life and Magnetic Base (4-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...

View full details
Original price $284.99 - Original price $284.99
Original price
$284.99
$284.99 - $284.99
Current price $284.99
Original price $543.99 - Original price $543.99
Original price
$543.99
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Current price $543.99

Night Owl - 12 Channel 8 Camera Wired 2K 1TB DVR Security System 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 $543.99 - Original price $543.99
Original price
$543.99
$543.99 - $543.99
Current price $543.99
Original price $94.99 - Original price $94.99
Original price
$94.99
$94.99 - $94.99
Current price $94.99

Ring - 2-Pack Indoor Plug-In 1080p Security Camera (2nd-Generation) with Privacy Cover - Black

Ring

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

View full details
Original price $94.99 - Original price $94.99
Original price
$94.99
$94.99 - $94.99
Current price $94.99
Original price $507.99 - Original price $507.99
Original price
$507.99
$507.99 - $507.99
Current price $507.99

Level - Lock+ Connect with Keypad Smart Lock Bluetooth/Wi-Fi Replacement Deadbolt with App / Keypad / Key Access - Matte Black

Level

Anywhere anytime accessLock and unlock your door from anywhere. Let family or friends in view live activity feed and always know the status of your...

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Original price $507.99 - Original price $507.99
Original price
$507.99
$507.99 - $507.99
Current price $507.99

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.