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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!

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Arlo - Pro Outdoor Security Camera 2K HDR (6th Gen 2025 Release) - Wireless Rechargeable Battery 2-Cam - White

Arlo
Original price $270.99 - Original price $270.99
Original price
$270.99
$270.99 - $270.99
Current price $270.99

Premium Protection for Busy FamiliesA 2K HDR security camera with Smart Detections to reduce false alerts Auto Zoom Tracking to keep your home sa...

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Original price $270.99 - Original price $270.99
Original price
$270.99
$270.99 - $270.99
Current price $270.99

Nanoleaf - Blocks Combo Smarter Kit - Smart LED Wall Light Panels - Multicolor

Nanoleaf
Original price $194.99 - Original price $194.99
Original price
$194.99
$194.99 - $194.99
Current price $194.99

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

Google - Nest Wi-Fi Video Doorbell - Battery Operated - Ash

GOOGLE
Original price $237.99 - Original price $237.99
Original price
$237.99
$237.99 - $237.99
Current price $237.99

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 Doorb...

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Original price $237.99 - Original price $237.99
Original price
$237.99
$237.99 - $237.99
Current price $237.99

Govee - Smart Mini Panel Lights 10 Packs - RGBIC - Multi

Govee
Original price $128.99 - Original price $128.99
Original price
$128.99
$128.99 - $128.99
Current price $128.99

Unlimited DIY Modeling PossibilitiesThis square light can be freely spliced by pressing to the connecting pieces¿¿through four sides greatly enhanc...

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Original price $128.99 - Original price $128.99
Original price
$128.99
$128.99 - $128.99
Current price $128.99

Arlo - Essential XL Outdoor Security Camera 2K (3rd Gen 2025 Release) - Wireless 4x Longer Battery Life 3-Cam - White

Arlo
Original price $170.99 - Original price $170.99
Original price
$170.99
$170.99 - $170.99
Current price $170.99

Simple Reliable Home MonitoringA wireless rechargeable camera with clear 2K video dependable Dual-Band Wi-Fi that provides critical alerts. Keep w...

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

Govee - RGBIC Smart Table Lamp 2S - Multi

Govee
Original price $94.99 - Original price $94.99
Original price
$94.99
$94.99 - $94.99
Current price $94.99

RGBIC 16 million colors16 million RGB colors and 60+ scenes offer dynamic lighting—controllable via 4 methods.3 Control optionsConvenience via Tou...

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

Arlo - Essential Outdoor Security Camera 2K (3rd Gen 2025 Release) - Wireless Rechargeable Camera 1-Cam - White

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

Simple Reliable Home MonitoringA wireless rechargeable camera with clear 2K video dependable Dual-B Wi-Fi that provides critical alerts. Perfect f...

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

Lorex - Connect 2K Floodlight Wi-Fi Security Camera (with App Controlled Horizontal Pan) - White

Lorex
Original price $108.99 - Original price $108.99
Original price
$108.99
$108.99 - $108.99
Current price $108.99

Bright Customizable LED FloodlightBoost security and convenience with an adjustable LED floodlight—set brightness up to 1500 lumens and control act...

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

Wyze - Cam Pan v4 Indoor/Outdoor Plug-in 4K Security Camera with 360 Pan/Tilt Color Night Vision - White

Wyze
Original price $86.99 - Original price $86.99
Original price
$86.99
$86.99 - $86.99
Current price $86.99

4K Ultra HD Resolution with 360-Pan and 180 Tilt CoverageCrisp and detailed image quality ultra-high-definition video quality with a wide field-of-...

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Original price $86.99 - Original price $86.99
Original price
$86.99
$86.99 - $86.99
Current price $86.99

Philips - Hue A21 Bluetooth 100W Smart LED Bulb - White and Color Ambiance

Philips
Original price $93.99 - Original price $93.99
Original price
$93.99
$93.99 - $93.99
Current price $93.99

Colorful smart lightingInstantly set the mood for any occasion with 16 million colors. Transform any room for an immersive entertainment experience...

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

Ring - Outdoor Cam (Stick Up Cam) Indoor/Outdoor Wire Free 1080p Security Camera - White

Ring
Original price $103.99 - Original price $103.99
Original price
$103.99
$103.99 - $103.99
Current price $103.99

Watch 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...

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

eufy - E30 Outdoor Wired 2K PTZ Security Camera with Floodlights - White

Eufy
Original price $180.99 - Original price $180.99
Original price
$180.99
$180.99 - $180.99
Current price $180.99

360 SurveillanceEnjoy complete 360 coverage of your property. Set the camera to patrol automatically on a schedule or use manual control to view an...

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Original price $180.99 - Original price $180.99
Original price
$180.99
$180.99 - $180.99
Current price $180.99

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

Govee
Original price $88.99 - Original price $88.99
Original price
$88.99
$88.99 - $88.99
Current price $88.99

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 $88.99 - Original price $88.99
Original price
$88.99
$88.99 - $88.99
Current price $88.99

Honeywell Home - Smart Color Thermostat with Wi-Fi Connectivity - Silver

Honeywell
Original price $175.99 - Original price $175.99
Original price
$175.99
$175.99 - $175.99
Current price $175.99

Comfort comes in your colorPersonalize your Wi-Fi Smart Color Programmable Thermostat to fit your decor.ENERGY STAR certifiedENERGY STAR certified ...

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

Ring - Floodlight Cam Plus Outdoor Wired 1080p Surveillance Camera - Black

Ring
Original price $214.99 - Original price $214.99
Original price
$214.99
$214.99 - $214.99
Current price $214.99

Ring 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...

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Original price $214.99 - Original price $214.99
Original price
$214.99
$214.99 - $214.99
Current price $214.99

Blink - Battery Doorbell 2K+ Sync Module Core included — Wireless video doorbell 2K resolution enhanced audio - Black

Blink
Original price $55.99 - Original price $55.99
Original price
$55.99
$55.99 - $55.99
Current price $55.99

See 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...

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Original price $55.99 - Original price $55.99
Original price
$55.99
$55.99 - $55.99
Current price $55.99

Arlo - Pro Outdoor Security Camera (6th Gen 2025 Release) - Wireless Rechargeable Battery-powered with Charging Station 3-Cam - Black

Arlo
Original price $334.99 - Original price $334.99
Original price
$334.99
$334.99 - $334.99
Current price $334.99

Exclusive bundle -- a 500 value if purchased separatelyIncludes (3) Pro Security Cameras 2K (6th Gen) (4) Rechargeable Batteries (1) Dual Charging ...

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Original price $334.99 - Original price $334.99
Original price
$334.99
$334.99 - $334.99
Current price $334.99

Ring - Wired Doorbell 2K (newest model) Speckled Gray + Chime (newest model) - Speckled Grey White

Ring
Original price $128.99 - Original price $128.99
Original price
$128.99
$128.99 - $128.99
Current price $128.99

This 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...

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Original price $128.99 - Original price $128.99
Original price
$128.99
$128.99 - $128.99
Current price $128.99

Ring - Indoor Cam Plus Plug-In Retinal 2K for enhanced video quality 4x Zoom Low-Light Sight for color night vision 2pk - White

Ring
Original price $85.99 - Original price $85.99
Original price
$85.99
$85.99 - $85.99
Current price $85.99

Capture 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...

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Original price $85.99 - Original price $85.99
Original price
$85.99
$85.99 - $85.99
Current price $85.99

Reolink - D340B Smart Video Doorbell 2K 4MP Battery Operated Wireless Wi-Fi with Head-to-Toe View and Plug-in Chime - Black

Reolink
Original price $158.99 - Original price $158.99
Original price
$158.99
$158.99 - $158.99
Current price $158.99

2K 4MP Quad High Definition + Night Vision2K 4-megapixel resolution camera reliably captures important activity around your home or apartment in gr...

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

Google - Nest Cam Outdoor (wired 2nd gen) - 2K Video and Gemini - 2-Pack - Snow

GOOGLE
Original price $382.99 - Original price $382.99
Original price
$382.99
$382.99 - $382.99
Current price $382.99

Always 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...

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

Amazon - Echo Show 11 Vibrant Full-HD 11" display with more viewing area and spatial audio designed for Alexa+ - Glacier White

AMAZON
Original price $294.99 - Original price $294.99
Original price
$294.99
$294.99 - $294.99
Current price $294.99

New size more viewing areaThe 11“ smart display features a vibrant Full-HD touchscreen built-in smart home hub AZ3 Pro chip for powerful performanc...

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

Arlo - Home Security System Bundle - White

Arlo
Original price $391.99 - Original price $391.99
Original price
$391.99
$391.99 - $391.99
Current price $391.99

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

Yale - Assure Lock 2 Smart Lock Touch Key-Free Keypad with Bluetooth - Black Suede

Yale
Original price $193.99 - Original price $193.99
Original price
$193.99
$193.99 - $193.99
Current price $193.99

Unlock 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...

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Original price $193.99 - Original price $193.99
Original price
$193.99
$193.99 - $193.99
Current price $193.99

Blink - Outdoor 4 Wireless smart security camera two-year battery life 1080p HD. Sync Module Core included 2 Cameras - Black

Blink
Original price $94.99 - Original price $94.99
Original price
$94.99
$94.99 - $94.99
Current price $94.99

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

Philips - Hue Essential Lightstrip 5m (16ft) - Vibrant Color and Ambiance - Color Gradient

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

GET STARTED WITH SMART LIGHTINGThe Essential range of LED strip lights offers an easy affordable and fun way to get started with the Hue ecosystemA...

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

Aqara - UWB Smart Lock U400 Kit with M100 Hub Matter Thread Wifi Apple Home Key Fingerprint Rechargeable Battery - Black

Aqara
Original price $322.99 - Original price $322.99
Original price
$322.99
$322.99 - $322.99
Current price $322.99

Hands-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 ...

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

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

Skylight
Original price $359.99 - Original price $359.99
Original price
$359.99
$359.99 - $359.99
Current price $359.99

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 $359.99 - Original price $359.99
Original price
$359.99
$359.99 - $359.99
Current price $359.99

Govee - RGBIC Floor Lamp - Multi

Govee
Original price $139.99 - Original price $139.99
Original price
$139.99
$139.99 - $139.99
Current price $139.99

64+ Alluring Lighting EffectsSelect a moving lighting effect with just one tap and instantly transform your space for any occasion or vibe no matte...

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Original price $139.99 - Original price $139.99
Original price
$139.99
$139.99 - $139.99
Current price $139.99

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

Ring
Original price $82.99 - Original price $82.99
Original price
$82.99
$82.99 - $82.99
Current price $82.99

Ring 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...

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

Night Owl - 8-Channel 4-Camera Indoor/Outdoor Plug-In Wi-Fi IP 4K 64GB Security System - White

Night Owl
Original price $338.99 - Original price $338.99
Original price
$338.99
$338.99 - $338.99
Current price $338.99

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 $338.99 - Original price $338.99
Original price
$338.99
$338.99 - $338.99
Current price $338.99

Nanoleaf - Essentials Matter Smart Multicolor HD Lightstrip 16.4ft (5m) - Flexible and Trimmable - White and Colors

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

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

Ring - Wi-Fi Smart Video Doorbell - Wired with Chime - Black

Ring
Original price $87.99 - Original price $87.99
Original price
$87.99
$87.99 - $87.99
Current price $87.99

Works with AlexaYou can hear audio announcements when anyone presses the doorbell or triggers the motion sensors.Ring Chime hard bundleConnect to t...

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

ecobee - Enhanced Smart Programmable Touch-Screen Wi-Fi Thermostat with Alexa Apple HomeKit and Google Assistant - Black

EcoBee
Original price $240.99 - Original price $240.99
Original price
$240.99
$240.99 - $240.99
Current price $240.99

Automatic Savings and Energy Star CertifiedSave up to 26 per year on heating and cooling costs. Automatically adjusts the temperature when you’re a...

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Original price $240.99 - Original price $240.99
Original price
$240.99
$240.99 - $240.99
Current price $240.99

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

Govee
Original price $119.99 - Original price $119.99
Original price
$119.99
$119.99 - $119.99
Current price $119.99

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 $119.99 - Original price $119.99
Original price
$119.99
$119.99 - $119.99
Current price $119.99

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

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

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

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.