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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!

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Samsung - Galaxy Watch7 Aluminum Smartwatch 40mm BT - Cream
$293.99 - $293.99
$293.99
$293.99 - $293.99
$293.99

Samsung - Galaxy Watch7 Aluminum Smartwatch 40mm BT - Cream

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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$293.99 - $293.99
$293.99
$293.99 - $293.99
$293.99
Samsung - Galaxy Watch7 Aluminum Smartwatch 44mm BT - Green
$315.99 - $315.99
$315.99
$315.99 - $315.99
$315.99

Samsung - Galaxy Watch7 Aluminum Smartwatch 44mm BT - Green

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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$315.99 - $315.99
$315.99
$315.99 - $315.99
$315.99
Apple Watch SE 2nd Generation (GPS+Cellular) 40mm Aluminum Case with Starlight Sport Band - S/M - Starlight - (2024)
$353.99 - $353.99
$353.99
$353.99 - $353.99
$353.99

Apple Watch SE 2nd Generation (GPS+Cellular) 40mm Aluminum Case with Starlight Sport Band - S/M - Starlight - (2024)

Apple

WHY APPLE WATCH SE—All the essentials to help you be motivated and active keep connected track your health and stay safe. watchOS 11 brings more in...

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$353.99 - $353.99
$353.99
$353.99 - $353.99
$353.99
Nomad - Metal Watch Band for Apple Watch 42mm and 44mm - Black
$92.99 - $92.99
$92.99
$92.99 - $92.99
$92.99

Nomad - Metal Watch Band for Apple Watch 42mm and 44mm - Black

Nomad

Designed for 42mm and 44mm Apple Watch Series 1 2 3 and 4For a proper fit.Designed to be worn daily and resist elementsLeveraging premium-grade ste...

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$92.99 - $92.99
$92.99
$92.99 - $92.99
$92.99
Samsung - Galaxy Watch7 Aluminum Smartwatch 44mm BT - Silver
$315.99 - $315.99
$315.99
$315.99 - $315.99
$315.99

Samsung - Galaxy Watch7 Aluminum Smartwatch 44mm BT - Silver

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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$315.99 - $315.99
$315.99
$315.99 - $315.99
$315.99
Apple Watch Series 10 (GPS) 42mm Aluminum Case with Black Sport Band - M/L - Jet Black - (2024)
$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99

Apple Watch Series 10 (GPS) 42mm Aluminum Case with Black Sport Band - M/L - Jet Black - (2024)

Apple

WHY APPLE WATCH SERIES 10—Bigger display with up to 30 percent more screen area. A thinner lighter and more comfortable design. Advanced health and...

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$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99
Samsung - Bespoke Galaxy Watch7 Aluminum Smartwatch 40mm BT - Cream
$294.99 - $294.99
$294.99
$294.99 - $294.99
$294.99

Samsung - Bespoke Galaxy Watch7 Aluminum Smartwatch 40mm BT - Cream

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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$294.99 - $294.99
$294.99
$294.99 - $294.99
$294.99
Apple Watch Series 10 (GPS+Cellular) 46mm Titanium Case with Starlight Sport Band - M/L - Gold
$854.99 - $854.99
$854.99
$854.99 - $854.99
$854.99

Apple Watch Series 10 (GPS+Cellular) 46mm Titanium Case with Starlight Sport Band - M/L - Gold

Apple

WHY APPLE WATCH SERIES 10—Bigger display with up to 30 percent more screen area. A thinner lighter and more comfortable design. Advanced health and...

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$854.99 - $854.99
$854.99
$854.99 - $854.99
$854.99
Samsung - Galaxy Watch7 Athleisure Band M/L - Silver
$88.99 - $88.99
$88.99
$88.99 - $88.99
$88.99

Samsung - Galaxy Watch7 Athleisure Band M/L - Silver

Samsung

Change up your style in just one clickRefresh your look in an instant with a stylish new collection of bands for Galaxy Watch7 that release with ju...

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$88.99 - $88.99
$88.99
$88.99 - $88.99
$88.99
Garmin - vívosmart 5 Smart Fitness Tracker + Heart Rate Small/Medium - Black
$194.99 - $194.99
$194.99
$194.99 - $194.99
$194.99

Garmin - vívosmart 5 Smart Fitness Tracker + Heart Rate Small/Medium - Black

Garmin

Simple easy-to-use designEasy-to-use comfortable smart fitness tracker once setup through the Garmin Connect app has a touchscreen and button inter...

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$194.99 - $194.99
$194.99
$194.99 - $194.99
$194.99
Samsung - Bespoke Galaxy Watch7 Aluminum Smartwatch 44mm BT - Silver
$316.99 - $316.99
$316.99
$316.99 - $316.99
$316.99

Samsung - Bespoke Galaxy Watch7 Aluminum Smartwatch 44mm BT - Silver

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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$316.99 - $316.99
$316.99
$316.99 - $316.99
$316.99
Apple Watch Series 10 (GPS) 46mm Aluminum Case with Blue Cloud Sport Loop - Silver - (2024)
$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99

Apple Watch Series 10 (GPS) 46mm Aluminum Case with Blue Cloud Sport Loop - Silver - (2024)

Apple

WHY APPLE WATCH SERIES 10—Bigger display with up to 30 percent more screen area. A thinner lighter and more comfortable design. Advanced health and...

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$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99
Apple Watch Series 10 (GPS) 46mm Aluminum Case with Plum Sport Loop - Rose Gold - (2024)
$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99

Apple Watch Series 10 (GPS) 46mm Aluminum Case with Plum Sport Loop - Rose Gold - (2024)

Apple

WHY APPLE WATCH SERIES 10—Bigger display with up to 30 percent more screen area. A thinner lighter and more comfortable design. Advanced health and...

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$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99
Apple Watch Series 10 (GPS) 42mm Aluminum Case with Denim Sport Band - M/L - Silver - (2024)
$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99

Apple Watch Series 10 (GPS) 42mm Aluminum Case with Denim Sport Band - M/L - Silver - (2024)

Apple

WHY APPLE WATCH SERIES 10—Bigger display with up to 30 percent more screen area. A thinner lighter and more comfortable design. Advanced health and...

View full details
$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99
Samsung - Galaxy Watch FE Smartwatch 40mm BT with Blue Band - Silver
$246.99 - $246.99
$246.99
$246.99 - $246.99
$246.99

Samsung - Galaxy Watch FE Smartwatch 40mm BT with Blue Band - Silver

Samsung

Track workouts. Make progress.No matter what your fitness goals are making progress is easy with fitness tracking4 on Galaxy Watch FE. Get straight...

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$246.99 - $246.99
$246.99
$246.99 - $246.99
$246.99
Google - Pixel Watch 2 Woven Band - Bay
$77.99 - $77.99
$77.99
$77.99 - $77.99
$77.99

Google - Pixel Watch 2 Woven Band - 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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$77.99 - $77.99
$77.99
$77.99 - $77.99
$77.99
Samsung - Galaxy Watch FE Smartwatch 40mm BT with Pink Band - Pink Gold
$245.99 - $245.99
$245.99
$245.99 - $245.99
$245.99

Samsung - Galaxy Watch FE Smartwatch 40mm BT with Pink Band - Pink Gold

Samsung

Track workouts. Make progress.No matter what your fitness goals are making progress is easy with fitness tracking4 on Galaxy Watch FE. Get straight...

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$245.99 - $245.99
$245.99
$245.99 - $245.99
$245.99
Apple Watch Series 10 (GPS) 42mm Aluminum Case with Light Blush Sport Band - M/L - Rose Gold - (2024)
$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99

Apple Watch Series 10 (GPS) 42mm Aluminum Case with Light Blush Sport Band - M/L - Rose Gold - (2024)

Apple

WHY APPLE WATCH SERIES 10—Bigger display with up to 30 percent more screen area. A thinner lighter and more comfortable design. Advanced health and...

View full details
$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99
Apple Watch Series 10 (GPS) 42mm Aluminum Case with Blue Cloud Sport Loop - Silver - (2024)
$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99

Apple Watch Series 10 (GPS) 42mm Aluminum Case with Blue Cloud Sport Loop - Silver - (2024)

Apple

WHY APPLE WATCH SERIES 10—Bigger display with up to 30 percent more screen area. A thinner lighter and more comfortable design. Advanced health and...

View full details
$466.99 - $466.99
$466.99
$466.99 - $466.99
$466.99
Samsung - Galaxy Fit3 Aluminum Smartwatch 40mm BT - Dark Gray
$83.99 - $83.99
$83.99
$83.99 - $83.99
$83.99

Samsung - Galaxy Fit3 Aluminum Smartwatch 40mm BT - Dark Gray

Samsung

Track your movement. Reach your goals.Keep an eye on how much you’re moving with Daily Activity Tracker. From walking to cycling Galaxy Fit3 tracks...

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$83.99 - $83.99
$83.99
$83.99 - $83.99
$83.99
Apple Watch SE 2nd Generation (GPS) 40mm Aluminum Case with Starlight Sport Band - M/L - Starlight - (2024)
$308.99 - $308.99
$308.99
$308.99 - $308.99
$308.99

Apple Watch SE 2nd Generation (GPS) 40mm Aluminum Case with Starlight Sport Band - M/L - Starlight - (2024)

Apple

WHY APPLE WATCH SE—All the essentials to help you be motivated and active keep connected track your health and stay safe. watchOS 11 brings more in...

View full details
$308.99 - $308.99
$308.99
$308.99 - $308.99
$308.99
Apple Watch SE 2nd Generation (GPS) 40mm Aluminum Case with Lake Green Sport Loop - Starlight - (2024)
$308.99 - $308.99
$308.99
$308.99 - $308.99
$308.99

Apple Watch SE 2nd Generation (GPS) 40mm Aluminum Case with Lake Green Sport Loop - Starlight - (2024)

Apple

WHY APPLE WATCH SE—All the essentials to help you be motivated and active keep connected track your health and stay safe. watchOS 11 brings more in...

View full details
$308.99 - $308.99
$308.99
$308.99 - $308.99
$308.99
Apple Watch SE 2nd Generation (GPS) 44mm Aluminum Case with Lake Green Sport Loop - Starlight - (2024)
$330.99 - $330.99
$330.99
$330.99 - $330.99
$330.99

Apple Watch SE 2nd Generation (GPS) 44mm Aluminum Case with Lake Green Sport Loop - Starlight - (2024)

Apple

WHY APPLE WATCH SE—All the essentials to help you be motivated and active keep connected track your health and stay safe. watchOS 11 brings more in...

View full details
$330.99 - $330.99
$330.99
$330.99 - $330.99
$330.99
Apple Watch SE 2nd Generation (GPS) 40mm Aluminum Case with Starlight Sport Band - S/M - Starlight - (2024)
$308.99 - $308.99
$308.99
$308.99 - $308.99
$308.99

Apple Watch SE 2nd Generation (GPS) 40mm Aluminum Case with Starlight Sport Band - S/M - Starlight - (2024)

Apple

WHY APPLE WATCH SE—All the essentials to help you be motivated and active keep connected track your health and stay safe. watchOS 11 brings more in...

View full details
$308.99 - $308.99
$308.99
$308.99 - $308.99
$308.99
Apple Watch SE 2nd Generation (GPS) 40mm Aluminum Case with Ink Sport Loop - Midnight - (2024)
$308.99 - $308.99
$308.99
$308.99 - $308.99
$308.99

Apple Watch SE 2nd Generation (GPS) 40mm Aluminum Case with Ink Sport Loop - Midnight - (2024)

Apple

WHY APPLE WATCH SE—All the essentials to help you be motivated and active keep connected track your health and stay safe. watchOS 11 brings more in...

View full details
$308.99 - $308.99
$308.99
$308.99 - $308.99
$308.99
Apple Watch Series 10 (GPS) 46mm Aluminum Case with Denim Sport Band - M/L - Silver - (2024)
$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99

Apple Watch Series 10 (GPS) 46mm Aluminum Case with Denim Sport Band - M/L - Silver - (2024)

Apple

WHY APPLE WATCH SERIES 10—Bigger display with up to 30 percent more screen area. A thinner lighter and more comfortable design. Advanced health and...

View full details
$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99
Apple Watch Series 10 (GPS) 46mm Aluminum Case with Denim Sport Band - S/M - Silver
$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99

Apple Watch Series 10 (GPS) 46mm Aluminum Case with Denim Sport Band - S/M - Silver

Apple

WHY APPLE WATCH SERIES 10—Bigger display with up to 30 percent more screen area. A thinner lighter and more comfortable design. Advanced health and...

View full details
$500.99 - $500.99
$500.99
$500.99 - $500.99
$500.99
Samsung - Galaxy Watch Ultra Trail Band - Dark Gray
$99.99 - $99.99
$99.99
$99.99 - $99.99
$99.99

Samsung - Galaxy Watch Ultra Trail Band - Dark Gray

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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$99.99 - $99.99
$99.99
$99.99 - $99.99
$99.99
Apple Watch Series 10 (GPS+Cellular) 42mm Aluminum Case with Light Blush Sport Band - S/M - Rose Gold - (2024)
$579.99 - $579.99
$579.99
$579.99 - $579.99
$579.99

Apple Watch Series 10 (GPS+Cellular) 42mm Aluminum Case with Light Blush Sport Band - S/M - Rose Gold - (2024)

Apple

WHY APPLE WATCH SERIES 10—Bigger display with up to 30 percent more screen area. A thinner lighter and more comfortable design. Advanced health and...

View full details
$579.99 - $579.99
$579.99
$579.99 - $579.99
$579.99
Apple Watch Series 10 (GPS+Cellular) 42mm Aluminum Case with Black Sport Band - S/M - Jet Black
$579.99 - $579.99
$579.99
$579.99 - $579.99
$579.99

Apple Watch Series 10 (GPS+Cellular) 42mm Aluminum Case with Black Sport Band - S/M - Jet Black

Apple

WHY APPLE WATCH SERIES 10—Bigger display with up to 30 percent more screen area. A thinner lighter and more comfortable design. Advanced health and...

View full details
$579.99 - $579.99
$579.99
$579.99 - $579.99
$579.99
Apple Watch Series 10 (GPS+Cellular) 42mm Aluminum Case with Plum Sport Loop - Rose Gold
$579.99 - $579.99
$579.99
$579.99 - $579.99
$579.99

Apple Watch Series 10 (GPS+Cellular) 42mm Aluminum Case with Plum Sport Loop - Rose Gold

Apple

WHY APPLE WATCH SERIES 10—Bigger display with up to 30 percent more screen area. A thinner lighter and more comfortable design. Advanced health and...

View full details
$579.99 - $579.99
$579.99
$579.99 - $579.99
$579.99
Samsung - Galaxy Watch7 Aluminum Smartwatch 40mm BT - Green
$293.99 - $293.99
$293.99
$293.99 - $293.99
$293.99

Samsung - Galaxy Watch7 Aluminum Smartwatch 40mm BT - Green

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...

View full details
$293.99 - $293.99
$293.99
$293.99 - $293.99
$293.99
Garmin - Venu Sq 2 GPS Smartwatch 40mm Fiber-reinforced polymer - Slate
$314.99 - $314.99
$314.99
$314.99 - $314.99
$314.99

Garmin - Venu Sq 2 GPS Smartwatch 40mm Fiber-reinforced polymer - Slate

Garmin

CompatibilityCompatible with iPhone and Android devicesCharge lessWith up to 11 days of battery life in smartwatch mode and up to 26 hours in GPS m...

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$314.99 - $314.99
$314.99
$314.99 - $314.99
$314.99
Oura Ring 4 Charger - Size 10 - Charging Dock and USB-C Cable - Charges Oura Ring 4 up to 8 days - Grey
$79.99 - $79.99
$79.99
$79.99 - $79.99
$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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$79.99 - $79.99
$79.99
$79.99 - $79.99
$79.99
Oura Ring 4 Charger - Size 7 - Charging Dock and USB-C Cable - Charges Oura Ring 4 up to 8 days - Grey
$79.99 - $79.99
$79.99
$79.99 - $79.99
$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
$79.99 - $79.99
$79.99
$79.99 - $79.99
$79.99
Oura Ring 4 Charger - Size 8 - Charging Dock and USB-C Cable - Charges Oura Ring 4 up to 8 days - Grey
$79.99 - $79.99
$79.99
$79.99 - $79.99
$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
$79.99 - $79.99
$79.99
$79.99 - $79.99
$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.