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!
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Arlo - Pro Outdoor Security Camera 2K HDR (6th Gen 2025 Release) - Wireless Rechargeable Battery 2-Cam - White
ArloPremium Protection for Busy FamiliesA 2K HDR security camera with Smart Detections to reduce false alerts Auto Zoom Tracking to keep your home sa...
View full detailsNanoleaf - Blocks Combo Smarter Kit - Smart LED Wall Light Panels - Multicolor
NanoleafModular CustomizableBuild your own unique layout and customize with mix and match add-ons to make a display that's truly your own.Dynamic Lighting...
View full detailsGoogle - Nest Wi-Fi Video Doorbell - Battery Operated - Ash
GOOGLEControl with the Google Home app.View live HD video replay video recordings talk to visitors and more all from the Google Home app. The Nest Doorb...
View full detailsGovee - Smart Mini Panel Lights 10 Packs - RGBIC - Multi
GoveeUnlimited DIY Modeling PossibilitiesThis square light can be freely spliced by pressing to the connecting pieces¿¿through four sides greatly enhanc...
View full detailsArlo - Essential XL Outdoor Security Camera 2K (3rd Gen 2025 Release) - Wireless 4x Longer Battery Life 3-Cam - White
ArloSimple Reliable Home MonitoringA wireless rechargeable camera with clear 2K video dependable Dual-Band Wi-Fi that provides critical alerts. Keep w...
View full detailsGovee - RGBIC Smart Table Lamp 2S - Multi
GoveeRGBIC 16 million colors16 million RGB colors and 60+ scenes offer dynamic lighting—controllable via 4 methods.3 Control optionsConvenience via Tou...
View full detailsArlo - Essential Outdoor Security Camera 2K (3rd Gen 2025 Release) - Wireless Rechargeable Camera 1-Cam - White
ArloSimple Reliable Home MonitoringA wireless rechargeable camera with clear 2K video dependable Dual-B Wi-Fi that provides critical alerts. Perfect f...
View full detailsLorex - Connect 2K Floodlight Wi-Fi Security Camera (with App Controlled Horizontal Pan) - White
LorexBright Customizable LED FloodlightBoost security and convenience with an adjustable LED floodlight—set brightness up to 1500 lumens and control act...
View full detailsWyze - Cam Pan v4 Indoor/Outdoor Plug-in 4K Security Camera with 360 Pan/Tilt Color Night Vision - White
Wyze4K Ultra HD Resolution with 360-Pan and 180 Tilt CoverageCrisp and detailed image quality ultra-high-definition video quality with a wide field-of-...
View full detailsPhilips - Hue A21 Bluetooth 100W Smart LED Bulb - White and Color Ambiance
PhilipsColorful smart lightingInstantly set the mood for any occasion with 16 million colors. Transform any room for an immersive entertainment experience...
View full detailsRing - Outdoor Cam (Stick Up Cam) Indoor/Outdoor Wire Free 1080p Security Camera - White
RingWatch over your home in 1080p HD video and check in at anytime with Live View.Capture every moment nonstop with 24/7 Recording. Your 24/7 footage i...
View full detailseufy - E30 Outdoor Wired 2K PTZ Security Camera with Floodlights - White
Eufy360 SurveillanceEnjoy complete 360 coverage of your property. Set the camera to patrol automatically on a schedule or use manual control to view an...
View full detailsGovee - 49.2ft Wi-Fi RGBICW LED Strip Light - Multi
GoveeSmart RGBIC effectsUnlike RGB RGBIC LED strip lights present stunning segmented colors on a line. The smart LED strip lights create a colorful ligh...
View full detailsHoneywell Home - Smart Color Thermostat with Wi-Fi Connectivity - Silver
HoneywellComfort comes in your colorPersonalize your Wi-Fi Smart Color Programmable Thermostat to fit your decor.ENERGY STAR certifiedENERGY STAR certified ...
View full detailsRing - Floodlight Cam Plus Outdoor Wired 1080p Surveillance Camera - Black
RingRing AppSee hear and speak to people on camera in the Ring app with Live View and Two-Way Talk.Motion-activated AlertsGet real-time motion-activate...
View full detailsBlink - Battery Doorbell 2K+ Sync Module Core included — Wireless video doorbell 2K resolution enhanced audio - Black
BlinkSee who's there in 2K clarityWith head-to-toe 2K view capture it all from friendly faces up top to deliveries down low. From subtle textures to def...
View full detailsArlo - Pro Outdoor Security Camera (6th Gen 2025 Release) - Wireless Rechargeable Battery-powered with Charging Station 3-Cam - Black
ArloExclusive bundle -- a 500 value if purchased separatelyIncludes (3) Pro Security Cameras 2K (6th Gen) (4) Rechargeable Batteries (1) Dual Charging ...
View full detailsRing - Wired Doorbell 2K (newest model) Speckled Gray + Chime (newest model) - Speckled Grey White
RingThis bundle contains 1 Wired Doorbell (2nd Gen) Speckled Gray and 1 Chime (3rd Gen)Capture it all with Retinal 2K videoFrom wide views to tighter f...
View full detailsRing - Indoor Cam Plus Plug-In Retinal 2K for enhanced video quality 4x Zoom Low-Light Sight for color night vision 2pk - White
RingCapture it all with Retinal 2K videoSee every detail of your home or business in full view — powered by Retinal 2K. (Video quality may vary based o...
View full detailsReolink - D340B Smart Video Doorbell 2K 4MP Battery Operated Wireless Wi-Fi with Head-to-Toe View and Plug-in Chime - Black
Reolink2K 4MP Quad High Definition + Night Vision2K 4-megapixel resolution camera reliably captures important activity around your home or apartment in gr...
View full detailsGoogle - Nest Cam Outdoor (wired 2nd gen) - 2K Video and Gemini - 2-Pack - Snow
GOOGLEAlways in the know with always-on power.No need to recharge batteries or replace them. Nest Cam also powers 24/7 continuous video recording when yo...
View full detailsAmazon - Echo Show 11 Vibrant Full-HD 11" display with more viewing area and spatial audio designed for Alexa+ - Glacier White
AMAZONNew size more viewing areaThe 11“ smart display features a vibrant Full-HD touchscreen built-in smart home hub AZ3 Pro chip for powerful performanc...
View full detailsArlo - Home Security System Bundle - White
ArloEasy 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...
View full detailsYale - Assure Lock 2 Smart Lock Touch Key-Free Keypad with Bluetooth - Black Suede
YaleUnlock with your fingerprintThe one key that is completely unique to you and can never be lost. With a 99 accuracy and <0.5 recognition time you...
View full detailsBlink - Outdoor 4 Wireless smart security camera two-year battery life 1080p HD. Sync Module Core included 2 Cameras - Black
BlinkFourth GenerationOutdoor 4 is our fourth-generation wireless smart security camera with up to two-year battery life for around-the-clock peace of m...
View full detailsPhilips - Hue Essential Lightstrip 5m (16ft) - Vibrant Color and Ambiance - Color Gradient
PhilipsGET STARTED WITH SMART LIGHTINGThe Essential range of LED strip lights offers an easy affordable and fun way to get started with the Hue ecosystemA...
View full detailsAqara - UWB Smart Lock U400 Kit with M100 Hub Matter Thread Wifi Apple Home Key Fingerprint Rechargeable Battery - Black
AqaraHands-Free Instant UnlockStill struggling to find your keys or pull out your phone UWB frees your hands. Whether you're carrying heavy bags in the ...
View full detailsSkylight - Calendar 15 Inch Touchscreen Smart Calendar and Chore Chart - White
SkylightFeaturesSkylight Calendar seamlessly auto-syncs family member's calendars so everyone's schedule is displayed in one place. With the free mobile ap...
View full detailsGovee - RGBIC Floor Lamp - Multi
Govee64+ Alluring Lighting EffectsSelect a moving lighting effect with just one tap and instantly transform your space for any occasion or vibe no matte...
View full detailsRing - 2-Pack Indoor Plug-In 1080p Security Camera (2nd-Generation) with Privacy Cover - White
RingRing AppSee hear and speak to people on camera in the Ring App with Live View and Two-Way Talk.CommunicationSee hear and speak in real time with Tw...
View full detailsNight Owl - 8-Channel 4-Camera Indoor/Outdoor Plug-In Wi-Fi IP 4K 64GB Security System - White
Night OwlCapture key recordings with clarityIt’s clear video quality matters. Reliably capture what’s happening around your home or business with crisp 4K r...
View full detailsNanoleaf - Essentials Matter Smart Multicolor HD Lightstrip 16.4ft (5m) - Flexible and Trimmable - White and Colors
NanoleafIndividually Addressable LEDsWatch multiple colors appear all at once along your addressable lightstrip for a stunning gradient effect with 60 colo...
View full detailsRing - Wi-Fi Smart Video Doorbell - Wired with Chime - Black
RingWorks with AlexaYou can hear audio announcements when anyone presses the doorbell or triggers the motion sensors.Ring Chime hard bundleConnect to t...
View full detailsecobee - Enhanced Smart Programmable Touch-Screen Wi-Fi Thermostat with Alexa Apple HomeKit and Google Assistant - Black
EcoBeeAutomatic Savings and Energy Star CertifiedSave up to 26 per year on heating and cooling costs. Automatically adjusts the temperature when you’re a...
View full detailsGovee - Dreamview TV Strip Lights for 75- 85 TVs - Multi
Govee1080p Smart cameraIntelligently capture the colors on screen and automatically apply them to your lights.Segmented color controlCustomize the color...
View full detailsRing - Pan-Tilt Indoor Security Cam with 360 Horizontal Pan Coverage Live View Two-Way Talk and HD Video - Black
Ring360 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 detailsWhat 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.