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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 $150.99 - Original price $150.99
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$150.99
$150.99 - $150.99
Current price $150.99

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 $150.99 - Original price $150.99
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$150.99
$150.99 - $150.99
Current price $150.99
Original price $88.99 - Original price $88.99
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$88.99
$88.99 - $88.99
Current price $88.99

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 $88.99 - Original price $88.99
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$88.99
$88.99 - $88.99
Current price $88.99
Original price $238.99 - Original price $238.99
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$238.99
$238.99 - $238.99
Current price $238.99

Ring - Battery Doorbell Pro Smart Wi-Fi Video Doorbell - Battery-powered with Head-to-Toe HD+ Video - Satin Nickel

Ring

3D Motion DetectionRing's most advanced motion detection. Customizing motion zones up to 30' away on an overhead map of your property to pinpoint m...

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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 $301.99 - Original price $301.99
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$301.99
$301.99 - $301.99
Current price $301.99

Arlo - Pro 5S 2K Indoor/Outdoor Wireless Spotlight Security Camera - White

Arlo

See Picture Perfect DetailsMonitor your home and property and keep your loved ones safe with 2K HDR video quality. 2 times video resolution of HD l...

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Original price $301.99 - Original price $301.99
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$301.99
$301.99 - $301.99
Current price $301.99
Original price $207.99 - Original price $207.99
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$207.99
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Current price $207.99

TP-Link - Tapo Wire-Free Indoor/Outdoor 2K Smart Security Cameras Magnetic Base (3-pack) No 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 $207.99 - Original price $207.99
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$207.99
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Current price $207.99
Original price $203.99 - Original price $203.99
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$203.99
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Current price $203.99

Arlo - Wireless Floodlight Camera - FB1001 - White

Arlo

Never be left in the darkBrightly illuminate your property to improve safety and visibility.Details matterZoom in on objects and see clearer detail...

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Original price $203.99 - Original price $203.99
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$203.99
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Current price $203.99
Original price $50.99 - Original price $50.99
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$50.99
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Current price $50.99

Echo Dot Kids with Alexa (newest model) Designed for kids w/ parental controls Includes 1 Year of Amazon Kids+ - Owl

AMAZON

Echo Dot KidsOur most popular and cutest smart speaker with Alexa made for kids (not a toy). The improved speaker delivers clearer vocals and rich ...

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Original price $50.99 - Original price $50.99
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$50.99
$50.99 - $50.99
Current price $50.99
Original price $50.99 - Original price $50.99
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$50.99
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Current price $50.99

Echo Dot Kids with Alexa (newest model) Designed for kids w/ parental controls Includes 1 Year of Amazon Kids+ - Fire Dragon

AMAZON

Echo Dot KidsOur most popular and cutest smart speaker with Alexa made for kids (not a toy). The improved speaker delivers clearer vocals and rich ...

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Original price $50.99 - Original price $50.99
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$50.99
$50.99 - $50.99
Current price $50.99
Original price $139.99 - Original price $139.99
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$139.99
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Current price $139.99

Reolink - Altas Series B630 2K 4MP Battery Indoor/Outdoor Wireless WiFi Security Camera with Pre-Record and ColorX - White

Reolink

Pre-Record Never Miss A MomentCapture footage of critical events BEFORE the camera triggers recording When Pre-Record is enabled camera will save ...

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Original price $139.99 - Original price $139.99
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$139.99
$139.99 - $139.99
Current price $139.99
Original price $215.99 - Original price $215.99
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$215.99
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Current price $215.99

Reolink - Go Series G440 4K 8MP Solar Outdoor Wireless 4G LTE Pan Tilt Security Camera with 32GB SD Card - Grey - Gray

Reolink

No Wi-Fi Required - Off-Grid ReadyOutdoor camera uses 3G or 4G LTE cellular connectivity to stream footage. Ideal for locations with spotty / no Wi...

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Original price $215.99 - Original price $215.99
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$215.99
$215.99 - $215.99
Current price $215.99
Original price $71.99 - Original price $71.99
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$71.99
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Current price $71.99

Blink - Wired Floodlight Camera - Smart security camera 2600 lumens HD live view enhanced motion detection 1 camera - White

Blink

Smart securityHelp protect your home day or night with Blink Wired Floodlight Camera — a smart security camera with 2600 lumens of LED lighting enh...

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Original price $71.99 - Original price $71.99
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$71.99
$71.99 - $71.99
Current price $71.99
Original price $255.99 - Original price $255.99
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$255.99
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Current price $255.99

Reolink - Elite F751W 4K 8MP Outdoor Wired Wi - Fi Panorama Security Camera with Floodlights and AI Smart Search - White

Reolink

The Reolink Elite F751W 4K 8MP Hardwired Wi-Fi Panoramic Security Camera with Floodlights offers crystal-clear 180 widescreen views helpful AI feat...

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Original price $255.99 - Original price $255.99
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$255.99
$255.99 - $255.99
Current price $255.99
Original price $495.99 - Original price $495.99
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$495.99
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Current price $495.99

Mysa - Smart Programmable WiFi Thermostat (3-Pack) - White

Mysa

Smart deviceApp-controlled thermostat works with Android or iOS devices home's Wi-Fi and Alexa Google Assistant and Apple HomeKit voice assistantsP...

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Original price $495.99 - Original price $495.99
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$495.99
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Current price $495.99
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 $1,381.99 - Original price $1,381.99
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$1,381.99
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Current price $1,381.99

Reolink - 12MP Security Camera System Outdoor 16CH 4TB NVR 8 PoE Wired Cameras with 2-Way Audio NVS16-12MB8 - White

Reolink

Number Of Channels16Recording Resolution1080p 720p 3 MP 4 MP 5 MP 8 MP 12 MPInstalled Drive4TB Hard Drive expandable to 12TBSupported Video CodecsH...

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Original price $1,381.99 - Original price $1,381.99
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$1,381.99
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Current price $1,381.99
Original price $67.99 - Original price $67.99
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$67.99
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Current price $67.99

Govee - Aura Smart Table Lamp - Multi

Govee

Creative DIY modeOur intuitive DIY mode via the Govee Home app allows you to personalize light effects and save them for later. With Finger Sketch ...

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Original price $67.99 - Original price $67.99
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$67.99
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Current price $67.99
Original price $121.99 - Original price $121.99
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$121.99
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Current price $121.99

GE - Cync 16 foot Outdoor Wet Rated Bluetooth/Wi-Fi Color Changing Smart LED Light Strip - 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 $121.99 - Original price $121.99
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$121.99
$121.99 - $121.99
Current price $121.99
Original price $110.99 - Original price $110.99
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$110.99
$110.99 - $110.99
Current price $110.99

Philips - Hue A19 Bluetooth 75W Smart LED Bulb (2-Pack) - White and Color Ambiance

Philips

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

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Original price $110.99 - Original price $110.99
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$110.99
$110.99 - $110.99
Current price $110.99
Original price $135.99 - Original price $135.99
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$135.99
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Current price $135.99

Reolink - NVC-D12M 12MP Add-On Outdoor Network Dome Camera with Night Vision - White

Reolink

Image Sensor12 MP 1/2.5" CMOSFocal Length4mmLens Field of ViewHorizontal 100.4 Vertical 50.6Power SourceDC PoE 802.3af (15 W)Illumination2 x 850 nm...

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Original price $135.99 - Original price $135.99
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$135.99
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Current price $135.99
Original price $87.99 - Original price $87.99
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$87.99
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Current price $87.99

Philips - Hue Bluetooth 5/6" High Lumen Recessed Downlight - White and Color Ambiance

Philips

Colorful smart lightingChoose from millions of colors and shades of warm-to-cool white light to enhance your room decor and ambiance. Create the ul...

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

Nanoleaf - Shapes Triangles Smarter Kit (7 Panels) - Multicolor

Nanoleaf

Combine Shapes into Your Own DesignCreate beautiful symmetry in any room or get completely abstract - the choice is yours. With Connect+ technology...

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Original price $181.99 - Original price $181.99
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$181.99
$181.99 - $181.99
Current price $181.99
Original price $179.99 - Original price $179.99
Original price
$179.99
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Current price $179.99

Reolink - NVC-B12M 12MP Add-On Outdoor Network Bullet Camera with Night Vision - White

Reolink

Image Sensor12 MP 1/2.5" CMOSFocal Length4mmLens Field of ViewHorizontal 93 Vertical 49Power SourceDC PoE 802.3af (15 W)Illumination2 x 850 nm IR L...

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Original price $179.99 - Original price $179.99
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$179.99
$179.99 - $179.99
Current price $179.99
Original price $106.99 - Original price $106.99
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$106.99
$106.99 - $106.99
Current price $106.99

Philips - Hue A19 Bluetooth 60W Smart LED Bulb (3-Pack) - White and Color Ambiance

Philips

Colorful smart lightingChoose from millions of colors and shades of warm-to-cool white light to enhance your room decor and ambiance.Light recipesE...

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Original price $106.99 - Original price $106.99
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$106.99
$106.99 - $106.99
Current price $106.99
Original price $92.99 - Original price $92.99
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$92.99
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Current price $92.99

SimpliSafe - Keypad - White

Simplisafe

Quickly arm and disarm your SimpliSafe Home Security system using Home Away or Off modesBacklit screen and keys wake with a touchBuilt-in panic but...

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Original price $92.99 - Original price $92.99
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$92.99
$92.99 - $92.99
Current price $92.99
Original price $200.99 - Original price $200.99
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$200.99
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Current price $200.99

Eve - Aqua - Smart Water Controller with Apple HomeKit Technology - Black

Eve

Watering your garden or irrigation system made easy with the Aqua - Smart Water Controller with Apple HomeKit TechnologySetup your schedules for wa...

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Original price $200.99 - Original price $200.99
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$200.99
$200.99 - $200.99
Current price $200.99
Original price $76.99 - Original price $76.99
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$76.99
$76.99 - $76.99
Current price $76.99

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

Philips

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 $76.99 - Original price $76.99
Original price
$76.99
$76.99 - $76.99
Current price $76.99
Original price $114.99 - Original price $114.99
Original price
$114.99
$114.99 - $114.99
Current price $114.99

Swann - AdvancedX 4K Security Camera PoE Outdoor Dome Color Night Vision Smart Video Analytics/Alerts Motion Detect - White

Swann

Experience Unmatched Clarity in 4KWith 4K Ultra HD image sensors enjoy crystal-clear video that makes it easy to identify faces license plates clot...

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Original price $114.99 - Original price $114.99
Original price
$114.99
$114.99 - $114.99
Current price $114.99
Original price $599.99 - Original price $599.99
Original price
$599.99
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Current price $599.99

Swann - AdvancedX Wired NVR 4K Security Camera System 8 CH 4 PoE Dome Cameras Outdoor 1TB Night Vision Motion Detect - White

Swann

Capture Every Detail in 4KWith 4K (8MP) Ultra HD image sensors enjoy crystal-clear video that makes it easy to identify faces license plates clothi...

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Original price $599.99 - Original price $599.99
Original price
$599.99
$599.99 - $599.99
Current price $599.99
Original price $114.99 - Original price $114.99
Original price
$114.99
$114.99 - $114.99
Current price $114.99

Swann - AdvancedX 4K Security Camera PoE Outdoor Bullet Color Night Vision Smart Video Analytics/Alerts Motion Detect - White

Swann

Capture Every Detail in 4KWith 4K (8MP) Ultra HD image sensors enjoy crystal-clear video that makes it easy to identify faces license plates clothi...

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Original price $114.99 - Original price $114.99
Original price
$114.99
$114.99 - $114.99
Current price $114.99
Original price $193.99 - Original price $193.99
Original price
$193.99
$193.99 - $193.99
Current price $193.99

Mysa - Smart Programmable Wi-Fi Thermostat - White

Mysa

Smart deviceApp-controlled thermostat works with Android or iOS devices home's Wi-Fi and Alexa Google Assistant and Apple HomeKit voice assistantsP...

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Original price $193.99 - Original price $193.99
Original price
$193.99
$193.99 - $193.99
Current price $193.99
Original price $1,131.99 - Original price $1,131.99
Original price
$1,131.99
$1,131.99 - $1,131.99
Current price $1,131.99

Swann - AdvancedX Wired NVR 4K Security Camera System 16 CH 8 PoE Outdoor Cameras 2TB Color Night Vision Motion Detect - White

Swann

Experience Unmatched Clarity in 4KWith 4K (8MP) Ultra HD image sensors enjoy crystal-clear video that makes it easy to identify faces license plate...

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Original price $1,131.99 - Original price $1,131.99
Original price
$1,131.99
$1,131.99 - $1,131.99
Current price $1,131.99
Original price $193.99 - Original price $193.99
Original price
$193.99
$193.99 - $193.99
Current price $193.99

Swann - Xtreem 4K Eco Security Camera Solar Motion Detect Color Night Vision Two-Way Audio Weatherproof 32GB MicroSD - White

Swann

Crystal Clear Color Video Day or NightSee more in 4K ultra HD color with a wide 120 viewing angleSolar Powered20 minutes charging generates enough ...

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Original price $193.99 - Original price $193.99
Original price
$193.99
$193.99 - $193.99
Current price $193.99
Original price $119.99 - Original price $119.99
Original price
$119.99
$119.99 - $119.99
Current price $119.99

Ring - Spotlight Cam Plus Outdoor/Indoor 1080p Plug-In Surveillance Camera - Black

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 $119.99 - Original price $119.99
Original price
$119.99
$119.99 - $119.99
Current price $119.99
Original price $298.99 - Original price $298.99
Original price
$298.99
$298.99 - $298.99
Current price $298.99

Honeywell - Lyric T6 Pro Wi-Fi Programmable - WHITE - HONT TH6220WF2006/U

Honeywell Home

Honeywell - Lyric T6 Pro Wi-Fi Programmable - WHITE - HONT TH6220WF2006/U

Original price $298.99 - Original price $298.99
Original price
$298.99
$298.99 - $298.99
Current price $298.99
Original price $654.99 - Original price $654.99
Original price
$654.99
$654.99 - $654.99
Current price $654.99

Arlo - Ultra 2 Spotlight 3-Camera Security Bundle Indoor/Outdoor Wireless 4K Security System - White

Arlo

Exclusive Best Buy bundle -- a 1100 value if purchased separately185;Includes (3) Ultra 2 Cameras (1) Base Station (4) rechargeable batteries (1) d...

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Original price $654.99 - Original price $654.99
Original price
$654.99
$654.99 - $654.99
Current price $654.99
Original price $139.99 - Original price $139.99
Original price
$139.99
$139.99 - $139.99
Current price $139.99

Reolink - Altas B630 2K 4MP Battery Indoor/Outdoor Wireless Wi - Fi Security Camera with Pre-Record and ColorX - White

Reolink

Pre-Record Never Miss A MomentCapture footage of critical events BEFORE the camera triggers recording When Pre-Record is enabled camera will save ...

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

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.