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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!

Amazfit - Band 7 Activity and Fitness Tracker 37.3mm Polycarbonate - Black - (2022)

Amazfit
Original price $69.99 - Original price $69.99
Original price
$69.99
$69.99 - $69.99
Current price $69.99

CompatibilityCompatible with Android and IOS devicesFunction120 Built-in Sports Modes 24H Blood-oxygen Monitoring Test 3 Health Metrics in 1 TapDis...

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

Best Buy essentials - Silicone Band for Apple Watch 38mm 40mm 41mm (3-Pack) and 42mm Series 10 - Starlight Blue/Gray and Gray

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 38mm 40mm 41mm (all series) Apple Watch SE and 42mm Series 10.3 packChoose between three color op...

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

Google - Pixel Watch 3 Active Sport Band - Large - Only Compatible with the 45mm Pixel Watch 3 - Obsidian

GOOGLE
Original price $66.99 - Original price $66.99
Original price
$66.99
$66.99 - $66.99
Current price $66.99

Only compatible with the 45mm Pixel Watch 3.Silicone band has a plastic clasp and stainless steel lugsSmall fits wrists 140-180mm aroundLarge fits ...

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Original price $66.99 - Original price $66.99
Original price
$66.99
$66.99 - $66.99
Current price $66.99

Insignia - Bumper Cases for Apple Watch 41mm (2-Pack) - Bling/Champagne

Insignia
Original price $22.99 - Original price $22.99
Original price
$22.99
$22.99 - $22.99
Current price $22.99

Designed for Apple Watch 41mmSecurely fits your Apple Watch 41mm for increased protection.2-packLets you keep an extra bumper case on hand.Durable ...

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Original price $22.99 - Original price $22.99
Original price
$22.99
$22.99 - $22.99
Current price $22.99

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 Cases for Apple Watch 41mm (2-Pack) - Black/Clear

Insignia
Original price $19.99 - Original price $19.99
Original price
$19.99
$19.99 - $19.99
Current price $19.99

Designed for Apple WatchSecurely fits your Apple Watch 41mm for increased protection.2-packLets you keep an extra bumper case on hand.Durable bumpe...

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Original price $19.99 - Original price $19.99
Original price
$19.99
$19.99 - $19.99
Current price $19.99

Raptic - 360x for 41mm Apple Watch - Clear

Raptic
Original price $24.99 - Original price $24.99
Original price
$24.99
$24.99 - $24.99
Current price $24.99

Compatible with Apple Watch 41mmWorks with All 41mm Apple Watch Series 7Durable TPU materialSaves your smartwatch from drops and impacts.Integrate...

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Original price $24.99 - Original price $24.99
Original price
$24.99
$24.99 - $24.99
Current price $24.99

WITHit - Band Kit for Fitbit Versa 3 and Fitbit Sense (3-Pack) - Black Mesh/Bluestone Sport Black Woven Silicone

WITHit
Original price $57.99 - Original price $57.99
Original price
$57.99
$57.99 - $57.99
Current price $57.99

Watchband compatibilityThis 3-pack of WITHit designer replacement bands for Fitbit Versa 3 Versa 4 Sense and Sense 2 includes a black mesh band a b...

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Original price $57.99 - Original price $57.99
Original price
$57.99
$57.99 - $57.99
Current price $57.99

Best Buy essentials - Silicone Bands for Apple Watch 44mm 45mm SE 46mm Series 10 Ultra 49mm and Ultra 2 49mm (3-Pack) - Starlight Blue/Gray and Gray

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

Best Buy essentials - Nylon Band for Apple Watch 44mm 45mm SE 46mm Series 10 Ultra 49mm and Ultra 2 49mm (2-Pack) - Black Gray

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 44mm 45mm (all series) 46mm Series 10 Apple Watch SE Apple Watch Ultra and Apple Watch Ultra 2 49mm.2...

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

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

ZAGG - InvisibleShield Glass Elite 360 Integrated Bumper + Screen Protection for Apple Watch Series 11/10 Small - Clear

ZAGG
Original price $47.99 - Original price $47.99
Original price
$47.99
$47.99 - $47.99
Current price $47.99

Integrated Screen and Bumper CoverageThe polycarbonate bumper and glass screen protector are integrated into one piece for quick installation and a...

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Original price $47.99 - Original price $47.99
Original price
$47.99
$47.99 - $47.99
Current price $47.99

NEXT - Sport Band Watch Strap for Apple Watch 42mm 44mm and 45mm - Black

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

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

NEXT - Sport Band Watch Strap for Apple Watch 42mm 44mm and 45mm - Stone

NEXT
Original price $20.99 - Original price $20.99
Original price
$20.99
$20.99 - $20.99
Current price $20.99

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

View full details
Original price $20.99 - Original price $20.99
Original price
$20.99
$20.99 - $20.99
Current price $20.99

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...

View full details
Original price $27.99 - Original price $27.99
Original price
$27.99
$27.99 - $27.99
Current price $27.99

NEXT - Sport Band DUO Watch Strap for Apple Watch 42mm 44mm and 45mm - Pink

NEXT
Original price $32.99 - Original price $32.99
Original price
$32.99
$32.99 - $32.99
Current price $32.99

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

View full details
Original price $32.99 - Original price $32.99
Original price
$32.99
$32.99 - $32.99
Current price $32.99

WITHit - Fitbit Versa 3 Fitbit Sense Silicone One size fits all Watch band - Navy/Light Gray/Blush Pink

WITHit
Original price $46.99 - Original price $46.99
Original price
$46.99
$46.99 - $46.99
Current price $46.99

CompatibilityThis stylish 3-pack of WITHit replacement bands are compatible with Fitbit Versa 3 Versa 4 Sense and Sense 2.Easy fitThe premium woven...

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Original price $46.99 - Original price $46.99
Original price
$46.99
$46.99 - $46.99
Current price $46.99

Apple Watch Series 11 (GPS) 46mm Jet Black Aluminum Case with Black Sport Band - M/L - Jet Black - (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...

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

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

Samsung
Original price $323.99 - Original price $323.99
Original price
$323.99
$323.99 - $323.99
Current price $323.99

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 $323.99 - Original price $323.99
Original price
$323.99
$323.99 - $323.99
Current price $323.99

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

Garmin - vívosmart 5 Smart Fitness Tracker + Heart Rate Small/Medium - Black - (2023)

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

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

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

Casetify
Original price $58.99 - Original price $58.99
Original price
$58.99
$58.99 - $58.99
Current price $58.99

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 $58.99 - Original price $58.99
Original price
$58.99
$58.99 - $58.99
Current price $58.99

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

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

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

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

Whoop
Original price $76.99 - Original price $76.99
Original price
$76.99
$76.99 - $76.99
Current price $76.99

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

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

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

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

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

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

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...

View full details
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
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...

View full details
Original price $85.99 - Original price $85.99
Original price
$85.99
$85.99 - $85.99
Current price $85.99

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

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...

View full details
Original price $85.99 - Original price $85.99
Original price
$85.99
$85.99 - $85.99
Current price $85.99

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

Apple
Original price $579.99 - Original price $579.99
Original price
$579.99
$579.99 - $579.99
Current price $579.99

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

View full details
Original price $579.99 - Original price $579.99
Original price
$579.99
$579.99 - $579.99
Current price $579.99

Samsung - Fabric Band for Galaxy Watch8 and Galaxy Watch8 Classic S/M - White

Samsung
Original price $72.99 - Original price $72.99
Original price
$72.99
$72.99 - $72.99
Current price $72.99

Sleep tight with a fit that’s just rightDesigned with sleep in mind the Fabric Band provides gentle and reliable support for a restful night. Stay ...

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Original price $72.99 - Original price $72.99
Original price
$72.99
$72.99 - $72.99
Current price $72.99

Samsung - Marine Band for Galaxy Watch Ultra - Blue

Samsung
Original price $109.99 - Original price $109.99
Original price
$109.99
$109.99 - $109.99
Current price $109.99

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 $109.99 - Original price $109.99
Original price
$109.99
$109.99 - $109.99
Current price $109.99

Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black Alpine Loop - Small - Black - (2025)

Apple
Original price $910.99 - Original price $910.99
Original price
$910.99
$910.99 - $910.99
Current price $910.99

RUGGED AND READY TO GO—The ultimate sports and adventure watch is built to last with an extremely tough titanium case and a strong sapphire crystal...

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Original price $910.99 - Original price $910.99
Original price
$910.99
$910.99 - $910.99
Current price $910.99

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

Apple
Original price $360.99 - Original price $360.99
Original price
$360.99
$360.99 - $360.99
Current price $360.99

HEALTH ESSENTIALS—Temperature sensing8308; enables richer insights in the Vitals app185; and retrospective ovulation estimates. You’ll also get a d...

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Original price $360.99 - Original price $360.99
Original price
$360.99
$360.99 - $360.99
Current price $360.99

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

Apple
Original price $327.99 - Original price $327.99
Original price
$327.99
$327.99 - $327.99
Current price $327.99

HEALTH ESSENTIALS—Temperature sensing8308; enables richer insights in the Vitals app185; and retrospective ovulation estimates. You’ll also get a d...

View full details
Original price $327.99 - Original price $327.99
Original price
$327.99
$327.99 - $327.99
Current price $327.99

Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black Ocean Band - Black - (2025)

Apple
Original price $910.99 - Original price $910.99
Original price
$910.99
$910.99 - $910.99
Current price $910.99

RUGGED AND READY TO GO—The ultimate sports and adventure watch is built to last with an extremely tough titanium case and a strong sapphire crystal...

View full details
Original price $910.99 - Original price $910.99
Original price
$910.99
$910.99 - $910.99
Current price $910.99

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.