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Smart Watches

Rent To Own Smart Watches – Stay Connected with Flexible Financing

Take your fitness and tech game to the next level with premium smartwatches from Finance My Cart. Whether you need a fitness tracker, notifications on the go, or a smartwatch to complement your lifestyle, we offer top brands like Apple, Samsung, Fitbit, and more. With our rent-to-own and buy now, pay later options, you can enjoy the latest wearable technology without the upfront cost. Get affordable monthly payments, free shipping, and flexible financing that fits your budget and credit situation. Stay connected and start your smartwatch journey today!

Original price $188.99 - Original price $188.99
Original price
$188.99
$188.99 - $188.99
Current price $188.99

Samsung - Galaxy Watch7 Aluminum Smartwatch 40mm BT - Cream - (2024)

Samsung

Push past yesterdayLooking for a great way to bring out your personal best every day Challenge yourself to excel on your next run or bike ride usin...

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Original price $188.99 - Original price $188.99
Original price
$188.99
$188.99 - $188.99
Current price $188.99
Original price $223.99 - Original price $223.99
Original price
$223.99
$223.99 - $223.99
Current price $223.99

Samsung - Galaxy Watch7 Aluminum Smartwatch 44mm BT - Silver - (2024)

Samsung

Push past yesterdayLooking for a great way to bring out your personal best every day Challenge yourself to excel on your next run or bike ride usin...

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Original price $223.99 - Original price $223.99
Original price
$223.99
$223.99 - $223.99
Current price $223.99
Original price $400.99 - Original price $400.99
Original price
$400.99
$400.99 - $400.99
Current price $400.99

Apple Watch Series 11 (GPS) 46mm Rose Gold Aluminum Case with Light Blush Sport Band - S/M - Rose Gold - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.KNOW YOUR SL...

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Original price $400.99 - Original price $400.99
Original price
$400.99
$400.99 - $400.99
Current price $400.99
Original price $321.99 - Original price $321.99
Original price
$321.99
$321.99 - $321.99
Current price $321.99

Apple Watch SE 3 (GPS) 44mm Starlight Aluminum Case with Starlight Sport Band - M/L - Starlight - (2025)

Apple

HEALTH ESSENTIALS—Temperature sensing enables richer insights in the Vitals app and retrospective ovulation estimates. You’ll also get a daily slee...

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Original price $321.99 - Original price $321.99
Original price
$321.99
$321.99 - $321.99
Current price $321.99
Original price $367.99 - Original price $367.99
Original price
$367.99
$367.99 - $367.99
Current price $367.99

Apple Watch Series 11 (GPS) 42mm Rose Gold Aluminum Case with Light Blush Sport Band - M/L - Rose Gold - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.KNOW YOUR SL...

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Original price $367.99 - Original price $367.99
Original price
$367.99
$367.99 - $367.99
Current price $367.99
Original price $510.99 - Original price $510.99
Original price
$510.99
$510.99 - $510.99
Current price $510.99

Apple Watch Series 11 (GPS+Cellular) 46mm Aluminum Case with Black Sport Band - M/L - Space Gray - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.185;KNOW YOU...

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Original price $510.99 - Original price $510.99
Original price
$510.99
$510.99 - $510.99
Current price $510.99
Original price $321.99 - Original price $321.99
Original price
$321.99
$321.99 - $321.99
Current price $321.99

Apple Watch SE 3 (GPS) 44mm Midnight Aluminum Case with Midnight Sport Band - S/M - Midnight - (2025)

Apple

HEALTH ESSENTIALS—Temperature sensing enables richer insights in the Vitals app and retrospective ovulation estimates. You’ll also get a daily slee...

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Original price $321.99 - Original price $321.99
Original price
$321.99
$321.99 - $321.99
Current price $321.99
Original price $301.99 - Original price $301.99
Original price
$301.99
$301.99 - $301.99
Current price $301.99

Apple Watch SE 3 (GPS) 40mm Midnight Aluminum Case with Midnight Sport Band - M/L - Midnight - (2025)

Apple

HEALTH ESSENTIALS—Temperature sensing enables richer insights in the Vitals app and retrospective ovulation estimates. You’ll also get a daily slee...

View full details
Original price $301.99 - Original price $301.99
Original price
$301.99
$301.99 - $301.99
Current price $301.99
Original price $301.99 - Original price $301.99
Original price
$301.99
$301.99 - $301.99
Current price $301.99

Apple Watch SE 3 (GPS) 40mm Starlight Aluminum Case with Starlight Sport Band - M/L - Starlight - (2025)

Apple

HEALTH ESSENTIALS—Temperature sensing enables richer insights in the Vitals app and retrospective ovulation estimates. You’ll also get a daily slee...

View full details
Original price $301.99 - Original price $301.99
Original price
$301.99
$301.99 - $301.99
Current price $301.99
Original price $400.99 - Original price $400.99
Original price
$400.99
$400.99 - $400.99
Current price $400.99

Apple Watch Series 11 (GPS) 46mm Rose Gold Aluminum Case with Light Blush Sport Band - M/L - Rose Gold - (2025)

Apple

HYPERTENSION NOTIFICATIONS—Apple Watch Series 11 can spot signs of chronic high blood pressure and notify you of possible hypertension.KNOW YOUR SL...

View full details
Original price $400.99 - Original price $400.99
Original price
$400.99
$400.99 - $400.99
Current price $400.99
Original price $69.99 - Original price $69.99
Original price
$69.99
$69.99 - $69.99
Current price $69.99

CASETiFY - Impact Band for Apple Watch 42mm 44mm 45mm and Apple Watch Ultra 49mm (All Series) - Camo Over

Casetify

Designed for your Apple WatchFits the Apple Watch 42mm 44mm 45mm (all series) Apple Watch Ultra 49mm and Apple Watch Ultra 2 49mm.Premium soft fle...

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Original price $69.99 - Original price $69.99
Original price
$69.99
$69.99 - $69.99
Current price $69.99
Original price $83.99 - Original price $83.99
Original price
$83.99
$83.99 - $83.99
Current price $83.99

Samsung - Galaxy Watch Ultra Trail Band - White Sand

Samsung

Customize your comfort and fitThe Trail Band features a lugless design that seamlessly blends with the Watch body ensuring a sleek look and a snug ...

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Original price $83.99 - Original price $83.99
Original price
$83.99
$83.99 - $83.99
Current price $83.99
Original price $90.99 - Original price $90.99
Original price
$90.99
$90.99 - $90.99
Current price $90.99

CASETiFY - Bounce Band for Apple Watch 42mm 44mm 45mm and Apple Watch Ultra 49mm (All Series) - Black

Casetify

Designed for your Apple WatchFits the Apple Watch 42mm 44mm 45mm (all series) Apple Watch Ultra 49mm and Apple Watch Ultra 2 49mm.Durable breathab...

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Original price $90.99 - Original price $90.99
Original price
$90.99
$90.99 - $90.99
Current price $90.99
Original price $101.99 - Original price $101.99
Original price
$101.99
$101.99 - $101.99
Current price $101.99

Samsung - Galaxy Watch Ultra Marine Band - Green

Samsung

Customize your comfort and fitThe Marine Band for Galaxy Watch Ultra features a lugless design that seamlessly blends with the Watch body ensuring ...

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Original price $101.99 - Original price $101.99
Original price
$101.99
$101.99 - $101.99
Current price $101.99
Original price $222.99 - Original price $222.99
Original price
$222.99
$222.99 - $222.99
Current price $222.99

Samsung - Galaxy Watch7 Aluminum Smartwatch 44mm BT - Green - (2024)

Samsung

Push past yesterdayLooking for a great way to bring out your personal best every day Challenge yourself to excel on your next run or bike ride usin...

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Original price $222.99 - Original price $222.99
Original price
$222.99
$222.99 - $222.99
Current price $222.99
Original price $104.99 - Original price $104.99
Original price
$104.99
$104.99 - $104.99
Current price $104.99

Amazfit - Bip 6 Smartwatch 46mm Silicone - Blush - (2025)

Amazfit

Up to 14 Days of Battery LifeEnjoy extended usage with up to 14 days of typical use or up to 26 days in battery saver mode—keeping you powered thro...

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

Amazfit - Bip 6 Smartwatch 46mm Silicone - Black / Blue - (2025)

Amazfit

Up to 14 Days of Battery LifeEnjoy extended usage with up to 14 days of typical use or up to 26 days in battery saver mode—keeping you powered thro...

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

Amazfit - Bip 6 Smartwatch 46mm Silicone - Stone - (2025)

Amazfit

Up to 14 Days of Battery LifeEnjoy extended usage with up to 14 days of typical use or up to 26 days in battery saver mode—keeping you powered thro...

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Original price $104.99 - Original price $104.99
Original price
$104.99
$104.99 - $104.99
Current price $104.99
Original price $65.99 - Original price $65.99
Original price
$65.99
$65.99 - $65.99
Current price $65.99

WHOOP SportFlex Accessory Band - Compatible with One and Peak - Gravity

Whoop

BUILT FOR HIGH PERFORMANCE SportFlex is designed with waterproof sweatproof and dirtproof silicone. It’s highly durable and designed to withstand y...

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Original price $65.99 - Original price $65.99
Original price
$65.99
$65.99 - $65.99
Current price $65.99
Original price $126.99 - Original price $126.99
Original price
$126.99
$126.99 - $126.99
Current price $126.99

Amazfit - Active 2 Smartwatch 44mm Silicone - Black - (2025)

Amazfit

Up to 10 Days of Battery LifeStay powered through your week with up to 10 days of typical use or extend to 19 days in battery saver mode. For conti...

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Original price $126.99 - Original price $126.99
Original price
$126.99
$126.99 - $126.99
Current price $126.99
Original price $303.99 - Original price $303.99
Original price
$303.99
$303.99 - $303.99
Current price $303.99

Samsung - Galaxy Watch8 Aluminum Smartwatch 40mm BT - Graphite - (2025)

Samsung

Why to Buy Galaxy Watch8Advanced health-and sleep-tracking features for personalized insights and tips to help you improve. A lighter more snug des...

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Original price $303.99 - Original price $303.99
Original price
$303.99
$303.99 - $303.99
Current price $303.99
Original price $238.99 - Original price $238.99
Original price
$238.99
$238.99 - $238.99
Current price $238.99

Amazfit - Balance 2 XT Smartwatch 47mm Silicone - Gray / Black - (2025)

Amazfit

Up to 21 Days of Battery LifeStay powered through long weeks and tough workouts with up to 21 days of typical usage or extend battery life even fur...

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Original price $238.99 - Original price $238.99
Original price
$238.99
$238.99 - $238.99
Current price $238.99
Original price $314.99 - Original price $314.99
Original price
$314.99
$314.99 - $314.99
Current price $314.99

Amazfit - T-Rex 3 Smartwatch 48mm Silicone - Black - (2025)

Amazfit

Up to 20 Days of Battery LifeStay charged for longer with up to 20 days of typical use or up to 45 days in battery saver mode—perfect for extended ...

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Original price $314.99 - Original price $314.99
Original price
$314.99
$314.99 - $314.99
Current price $314.99
Original price $456.99 - Original price $456.99
Original price
$456.99
$456.99 - $456.99
Current price $456.99

Samsung - Galaxy Watch8 Classic Stainless Steel Smartwatch 46mm BT - White - (2025)

Samsung

Why to Buy Galaxy Watch8 ClassicThe timeless design fits snugly while making a stylish statement and the new lug system allows for easy detachment ...

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Original price $456.99 - Original price $456.99
Original price
$456.99
$456.99 - $456.99
Current price $456.99
Original price $324.99 - Original price $324.99
Original price
$324.99
$324.99 - $324.99
Current price $324.99

Samsung - Galaxy Watch8 Aluminum Smartwatch 44mm BT - Silver - (2025)

Samsung

Why to Buy Galaxy Watch8Advanced health-and sleep-tracking features for personalized insights and tips to help you improve. A lighter more snug des...

View full details
Original price $324.99 - Original price $324.99
Original price
$324.99
$324.99 - $324.99
Current price $324.99
Original price $303.99 - Original price $303.99
Original price
$303.99
$303.99 - $303.99
Current price $303.99

Samsung - Galaxy Watch8 Aluminum Smartwatch 40mm BT - Silver - (2025)

Samsung

Why to Buy Galaxy Watch8Advanced health-and sleep-tracking features for personalized insights and tips to help you improve. A lighter more snug des...

View full details
Original price $303.99 - Original price $303.99
Original price
$303.99
$303.99 - $303.99
Current price $303.99
Original price $55.99 - Original price $55.99
Original price
$55.99
$55.99 - $55.99
Current price $55.99

Google - Pixel Watch 2 Woven Band - Compatible with the Pixel Watch Pixel Watch 2 41mm Pixel Watch 3 and 41mm Pixel Watch 4 - Bay

GOOGLE

Rock your favorite Pixel Watch band.Easily accessorize your watch for different occasions. The band is easy to switch out quickly and securely. Goo...

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

Nomad - Sport Band for Apple Watch 38 40 41mm (Series 1-8) - Black

Nomad

Compatible with Apple WatchDesigned for Apple Watch 38mm Series 1 Series 2 Series 3 Apple Watch 40mm Series 4 Series 5 Series 6 Apple Watch 41mm ...

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Original price $55.99 - Original price $55.99
Original price
$55.99
$55.99 - $55.99
Current price $55.99
Original price $61.99 - Original price $61.99
Original price
$61.99
$61.99 - $61.99
Current price $61.99

Nomad - Sport Band for Apple Watch174 42 44 45mm (Series 1-8) and Apple Watch Ultra - Black

Nomad

Compatible with Apple WatchDesigned for Apple Watch 42mm Series 1 Series 2 Series 3 Apple Watch 44mm Series 4 Series 5 Series 6 Apple Watch 44mm ...

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Original price $61.99 - Original price $61.99
Original price
$61.99
$61.99 - $61.99
Current price $61.99
Original price $79.99 - Original price $79.99
Original price
$79.99
$79.99 - $79.99
Current price $79.99

Oura Ring 4 Charger - Size 10 - Charging Dock and USB-C Cable - Charges Oura Ring 4 up to 8 days - Grey

Oura

Chargers are size-specificYour Oura Ring 4 size can be found on the inside of your Oura Ring 4.Charging timeYour Oura Ring 4 typically charges full...

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Original price $79.99 - Original price $79.99
Original price
$79.99
$79.99 - $79.99
Current price $79.99
Original price $79.99 - Original price $79.99
Original price
$79.99
$79.99 - $79.99
Current price $79.99

Oura Ring 4 Charger - Size 9 - Charging Dock and USB-C Cable - Charges Oura Ring 4 up to 8 days - Grey

Oura

Chargers are size-specificYour Oura Ring 4 size can be found on the inside of your Oura Ring 4.Charging timeYour Oura Ring 4 typically charges full...

View full details
Original price $79.99 - Original price $79.99
Original price
$79.99
$79.99 - $79.99
Current price $79.99
Original price $858.99 - Original price $858.99
Original price
$858.99
$858.99 - $858.99
Current price $858.99

Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Dark Green Alpine Loop - Large - Black - (2024)

Apple

WHY APPLE WATCH ULTRA 2—Meet the ultimate sports and adventure watch. Advanced features for runners cyclists swimmers hikers divers and more. Rugge...

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Original price $858.99 - Original price $858.99
Original price
$858.99
$858.99 - $858.99
Current price $858.99
Original price $698.99 - Original price $698.99
Original price
$698.99
$698.99 - $698.99
Current price $698.99

Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Black Trail Loop - S/M - Black - (2024)

Apple

WHY APPLE WATCH ULTRA 2—Meet the ultimate sports and adventure watch. Advanced features for runners cyclists swimmers hikers divers and more. Rugge...

View full details
Original price $698.99 - Original price $698.99
Original price
$698.99
$698.99 - $698.99
Current price $698.99
Original price $79.99 - Original price $79.99
Original price
$79.99
$79.99 - $79.99
Current price $79.99

Oura Ring 4 Charger - Size 7 - Charging Dock and USB-C Cable - Charges Oura Ring 4 up to 8 days - Grey

Oura

Chargers are size-specificYour Oura Ring 4 size can be found on the inside of your Oura Ring 4.Charging timeYour Oura Ring 4 typically charges full...

View full details
Original price $79.99 - Original price $79.99
Original price
$79.99
$79.99 - $79.99
Current price $79.99
Original price $79.99 - Original price $79.99
Original price
$79.99
$79.99 - $79.99
Current price $79.99

Oura Ring 4 Charger - Size 8 - Charging Dock and USB-C Cable - Charges Oura Ring 4 up to 8 days - Grey

Oura

Chargers are size-specificYour Oura Ring 4 size can be found on the inside of your Oura Ring 4.Charging timeYour Oura Ring 4 typically charges full...

View full details
Original price $79.99 - Original price $79.99
Original price
$79.99
$79.99 - $79.99
Current price $79.99
Original price $79.99 - Original price $79.99
Original price
$79.99
$79.99 - $79.99
Current price $79.99

Oura Ring 4 Charger - Size 12 - Charging Dock and USB-C Cable - Charges Oura Ring 4 up to 8 days - Grey

Oura

Chargers are size-specificYour Oura Ring 4 size can be found on the inside of your Oura Ring 4.Charging timeYour Oura Ring 4 typically charges full...

View full details
Original price $79.99 - Original price $79.99
Original price
$79.99
$79.99 - $79.99
Current price $79.99

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.