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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!

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

Samsung
Original price $505.99 - Original price $505.99
Original price
$505.99
$505.99 - $505.99
Current price $505.99

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 $505.99 - Original price $505.99
Original price
$505.99
$505.99 - $505.99
Current price $505.99

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

Samsung
Original price $384.99 - Original price $384.99
Original price
$384.99
$384.99 - $384.99
Current price $384.99

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 $384.99 - Original price $384.99
Original price
$384.99
$384.99 - $384.99
Current price $384.99

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

Samsung
Original price $500.99 - Original price $500.99
Original price
$500.99
$500.99 - $500.99
Current price $500.99

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 $500.99 - Original price $500.99
Original price
$500.99
$500.99 - $500.99
Current price $500.99

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

Samsung
Original price $383.99 - Original price $383.99
Original price
$383.99
$383.99 - $383.99
Current price $383.99

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 $383.99 - Original price $383.99
Original price
$383.99
$383.99 - $383.99
Current price $383.99

Amazfit - Helio Strap - Fitness Recovery Tracker - 10-Day Battery 24/7 Health Tracking - No Subscription - Black - (2025)

Amazfit
Original price $134.99 - Original price $134.99
Original price
$134.99
$134.99 - $134.99
Current price $134.99

RECOVERY REDESIGNEDTrain sleep and rest with confidence thanks to accurate heart rate fatigue and recovery tracking. When worn together with an Ama...

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Original price $134.99 - Original price $134.99
Original price
$134.99
$134.99 - $134.99
Current price $134.99

Apple - 42mm Sport Band - S/M - Starlight

Apple
Original price $70.99 - Original price $70.99
Original price
$70.99
$70.99 - $70.99
Current price $70.99

Material Fluoroelastomer

Original price $70.99 - Original price $70.99
Original price
$70.99
$70.99 - $70.99
Current price $70.99

WHOOP - SuperKnit Accessory Band - Compatible with 5.0 One and Peak - Dune

Whoop
Original price $65.99 - Original price $65.99
Original price
$65.99
$65.99 - $65.99
Current price $65.99

OUR SIGNATURE KNIT BANDSuperKnit is designed to keep up with your busy schedule—from your high-intensity workouts to your evening plans.DESIGNED FO...

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

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

Amazfit
Original price $126.99 - Original price $126.99
Original price
$126.99
$126.99 - $126.99
Current price $126.99

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

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

Nomad
Original price $51.99 - Original price $51.99
Original price
$51.99
$51.99 - $51.99
Current price $51.99

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 $51.99 - Original price $51.99
Original price
$51.99
$51.99 - $51.99
Current price $51.99

Insignia - Braided Nylon Band for Apple Watch 44mm 45mm 46mm Series 10 and Apple Watch Ultra 49mm (All Series) - Black

Insignia
Original price $34.99 - Original price $34.99
Original price
$34.99
$34.99 - $34.99
Current price $34.99

Designed for your Apple Watch and Apple Watch UltraFits Apple Watch 44mm 44 mm SE (1 and 2) 45mm 46mm Series 10 and Apple Watch Ultra 49mm (all ser...

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Original price $34.99 - Original price $34.99
Original price
$34.99
$34.99 - $34.99
Current price $34.99

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

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

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

WITHit - Elastic Woven Band for Apple Watch 38/40/41mm - Coral

WITHit
Original price $25.99 - Original price $25.99
Original price
$25.99
$25.99 - $25.99
Current price $25.99

Number included1 wristbandAdjustable band designed to fit most wristsEasy tri-glide slider for easy adjustability.Textured nylon elastic bandMade f...

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Original price $25.99 - Original price $25.99
Original price
$25.99
$25.99 - $25.99
Current price $25.99

ZAGG - InvisibleShield GlassFusion+ Flexible Hybrid Screen Protector for Samsung Galaxy Watch5 Galaxy Watch6 40mm - Clear

Zagg Incorporated
Original price $39.99 - Original price $39.99
Original price
$39.99
$39.99 - $39.99
Current price $39.99

Hybrid scratch impact protectionGlassFusion+ is made with tough durable components that have been refined to create a smooth glass-like surface.Co...

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Original price $39.99 - Original price $39.99
Original price
$39.99
$39.99 - $39.99
Current price $39.99

Insignia - Tempered Glass Screen Protectors for Apple Watch Ultra 49mm (2-Pack) - Clear

Insignia
Original price $33.99 - Original price $33.99
Original price
$33.99
$33.99 - $33.99
Current price $33.99

Designed for Apple WatchSecurely fits your Apple Watch 49mm for screen protection.2-packLets you protect two different watches or keep an extra pro...

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Original price $33.99 - Original price $33.99
Original price
$33.99
$33.99 - $33.99
Current price $33.99

Insignia - Bumper with Glass Screen Protector for Apple Watch 40/41mm - Black and Clear

Insignia
Original price $29.99 - Original price $29.99
Original price
$29.99
$29.99 - $29.99
Current price $29.99

Designed for Apple Watch 40/41mmCreates a perfect fit on your smartwatch for full coverage with precise cutouts. Two screen protectors are included...

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Original price $29.99 - Original price $29.99
Original price
$29.99
$29.99 - $29.99
Current price $29.99

ZAGG - InvisibleShield GlassFusion+ Flexible Hybrid Screen Protector for Samsung Galaxy Watch5 Galaxy Watch6 44mm - Clear

Zagg Incorporated
Original price $39.99 - Original price $39.99
Original price
$39.99
$39.99 - $39.99
Current price $39.99

Hybrid scratch impact protectionGlassFusion+ is made with tough durable components that have been refined to create a smooth glass-like surface.Co...

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Original price $39.99 - Original price $39.99
Original price
$39.99
$39.99 - $39.99
Current price $39.99

WITHit - Fitbit Charge 5 6 3-pack (black mesh bluestone sport and black woven) - Woven Black/Bluestone/Black

WITHit
Original price $49.99 - Original price $49.99
Original price
$49.99
$49.99 - $49.99
Current price $49.99

DurabilityThe black and blue bands are both made from durable premium silicone with stainless steel buckle closure.Electroplated materialBlack mesh...

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Original price $49.99 - Original price $49.99
Original price
$49.99
$49.99 - $49.99
Current price $49.99

Apple - 49mm Trail Loop - M/L - Black Titanium Finish - Black/Charcoal

Apple
Original price $127.99 - Original price $127.99
Original price
$127.99
$127.99 - $127.99
Current price $127.99

Apple Watch Models44mm 45mm 46mm 49mm

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

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

Apple
Original price $330.99 - Original price $330.99
Original price
$330.99
$330.99 - $330.99
Current price $330.99

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 $330.99 - Original price $330.99
Original price
$330.99
$330.99 - $330.99
Current price $330.99

Apple Watch Series 11 (GPS) 42mm Silver Aluminum Case with Purple Fog Sport Band - S/M - Silver - (2025)

Apple
Original price $466.99 - Original price $466.99
Original price
$466.99
$466.99 - $466.99
Current price $466.99

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 $466.99 - Original price $466.99
Original price
$466.99
$466.99 - $466.99
Current price $466.99

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

Apple
Original price $500.99 - Original price $500.99
Original price
$500.99
$500.99 - $500.99
Current price $500.99

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 $500.99 - Original price $500.99
Original price
$500.99
$500.99 - $500.99
Current price $500.99

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

Apple
Original price $466.99 - Original price $466.99
Original price
$466.99
$466.99 - $466.99
Current price $466.99

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 $466.99 - Original price $466.99
Original price
$466.99
$466.99 - $466.99
Current price $466.99

Apple Watch Series 11 (GPS) 42mm Space Gray Aluminum Case with Black Sport Band - S/M - Space Gray - (2025)

Apple
Original price $466.99 - Original price $466.99
Original price
$466.99
$466.99 - $466.99
Current price $466.99

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 $466.99 - Original price $466.99
Original price
$466.99
$466.99 - $466.99
Current price $466.99

Apple Watch Series 11 (GPS) 42mm Jet Black Aluminum Case with Black Sport Band - S/M - Jet Black - (2025)

Apple
Original price $466.99 - Original price $466.99
Original price
$466.99
$466.99 - $466.99
Current price $466.99

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 $466.99 - Original price $466.99
Original price
$466.99
$466.99 - $466.99
Current price $466.99

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

Apple
Original price $466.99 - Original price $466.99
Original price
$466.99
$466.99 - $466.99
Current price $466.99

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 $466.99 - Original price $466.99
Original price
$466.99
$466.99 - $466.99
Current price $466.99

Apple - 46mm Nike Sport Band - M/L - Blue Ribbon

Apple
Original price $70.99 - Original price $70.99
Original price
$70.99
$70.99 - $70.99
Current price $70.99

Apple Watch Models44mm 45mm 46mm 49mm

Original price $70.99 - Original price $70.99
Original price
$70.99
$70.99 - $70.99
Current price $70.99

ZAGG - InvisibleShield Fusion Eco Flexible Hybrid Screen Protector for Apple Watch Series 11/10 46mm - Clear

ZAGG
Original price $39.99 - Original price $39.99
Original price
$39.99
$39.99 - $39.99
Current price $39.99

Extreme ProtectionFusion's tough hybrid glass with a flexible quality absorbs and disperses the force of impact ensuring superior protection.Made w...

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Original price $39.99 - Original price $39.99
Original price
$39.99
$39.99 - $39.99
Current price $39.99

Best Buy essentials - Silicone Band for Apple Watch 44mm 45mm SE 46mm Series 10 Ultra 49mm and Ultra 2 49mm (3-Pack) - Navy Green and Black

Best Buy essentials
Original price $29.99 - Original price $29.99
Original price
$29.99
$29.99 - $29.99
Current price $29.99

Designed for your Apple WatchFits the Apple Watch 44mm 45mm (all series) 46mm Series 10 Apple Watch SE Apple Watch Ultra 49mm and Apple Watch Ultra...

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Original price $29.99 - Original price $29.99
Original price
$29.99
$29.99 - $29.99
Current price $29.99

NEXT - Sport Band Watch Strap for Apple Watch 38mm 40mm and 41mm - Stone

NEXT
Original price $27.99 - Original price $27.99
Original price
$27.99
$27.99 - $27.99
Current price $27.99

Designed for Apple WatchCompatible with all versions of Apple WatchWaterproof silicone materialAllows you to wear all day and nightLightweat and Co...

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Original price $27.99 - Original price $27.99
Original price
$27.99
$27.99 - $27.99
Current price $27.99

Oura - Ring 5 Official Charging Case - Size 10 - Up to a month of battery life - USB-C Cord Compatible - Black

Oura
Original price $133.99 - Original price $133.99
Original price
$133.99
$133.99 - $133.99
Current price $133.99

MADE BY OURAUnauthorized Oura Ring chargers may permanently damage the ring batteryUP TO A MONTH OF BATTERYGet up to 30 days of battery life from a...

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Original price $133.99 - Original price $133.99
Original price
$133.99
$133.99 - $133.99
Current price $133.99

Fitbit Air Charger - Only Compatible with Google Fitbit Air - Full Day of Charge in 5 Minutes - Snow

GOOGLE
Original price $41.99 - Original price $41.99
Original price
$41.99
$41.99 - $41.99
Current price $41.99

Works with Google Fitbit Air tracker only.178;Requires a USB-C compatible power adapter minimum 7.5W (not included).1m cable length.The Google Fitb...

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

Fitbit Air Performance Loop Band - One Size Micro-Adjustable - Only Compatible with Google Fitbit Air - Fog

GOOGLE
Original price $51.99 - Original price $51.99
Original price
$51.99
$51.99 - $51.99
Current price $51.99

Accessory band only (Tracker sold separately). Works with Google Fitbit Air tracker only.178;One size fits wrists 130-210 mm around with a micro-ad...

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Original price $51.99 - Original price $51.99
Original price
$51.99
$51.99 - $51.99
Current price $51.99

Fitbit - Ace LTE - Courtside Active Band - Blue

Fitbit
Original price $51.99 - Original price $51.99
Original price
$51.99
$51.99 - $51.99
Current price $51.99

Ace Band made for Google Fitbit Ace LTE185;Every new Ace Band lets kids unlock new stuff like a new Noodle an outfit for their eejie and cool items...

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Original price $51.99 - Original price $51.99
Original price
$51.99
$51.99 - $51.99
Current price $51.99

Insignia - Silicone and Nylon Bands for Apple Watch 38mm 40mm 41mm (2-Pack) and 42mm Series 10 - Stone/Hot Pink

Insignia
Original price $27.99 - Original price $27.99
Original price
$27.99
$27.99 - $27.99
Current price $27.99

Designed for your Apple WatchFits the Apple Watch 38mm 40mm 40mm SE (1 and 2) 41mm (all series) and 42mm Series 10.2-packChoose between two color a...

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Original price $27.99 - Original price $27.99
Original price
$27.99
$27.99 - $27.99
Current price $27.99

Best Buy essentials - Nylon Band for Apple Watch 38mm 40mm 41mm SE (2-Pack) and 42mm Series 10 - Rose Gold and Eucalyptus

Best Buy essentials
Original price $29.99 - Original price $29.99
Original price
$29.99
$29.99 - $29.99
Current price $29.99

Designed for your Apple WatchFits Apple Watch 38mm 40mm 41mm (all series) Apple Watch SE and 42mm Series 10.2 packTwo color options provide just wh...

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Original price $29.99 - Original price $29.99
Original price
$29.99
$29.99 - $29.99
Current price $29.99

Insignia - Stainless Steel Mesh Band for Apple Watch 38mm 40mm 41mm SE and 42mm Series 10 - Black

Insignia
Original price $43.99 - Original price $43.99
Original price
$43.99
$43.99 - $43.99
Current price $43.99

Designed for your Apple WatchFits Apple Watch 38mm 40mm 41mm (all series) Apple Watch SE and 42mm Series 10.Mesh stainless steel bandCombines the f...

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Original price $43.99 - Original price $43.99
Original price
$43.99
$43.99 - $43.99
Current price $43.99

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.