Skip to content
FREE DELIVERY
FREE DELIVERY

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

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

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...

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

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

Samsung
Original price $478.99 - Original price $478.99
Original price
$478.99
$478.99 - $478.99
Current price $478.99

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

View full details
Original price $478.99 - Original price $478.99
Original price
$478.99
$478.99 - $478.99
Current price $478.99

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

Samsung
Original price $367.99 - Original price $367.99
Original price
$367.99
$367.99 - $367.99
Current price $367.99

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

View full details
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+Cellular) 46mm Aluminum Case with Black Sport Band - S/M - Jet Black - (2025)

Apple
Original price $613.99 - Original price $613.99
Original price
$613.99
$613.99 - $613.99
Current price $613.99

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 $613.99 - Original price $613.99
Original price
$613.99
$613.99 - $613.99
Current price $613.99

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

Samsung
Original price $477.99 - Original price $477.99
Original price
$477.99
$477.99 - $477.99
Current price $477.99

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

View full details
Original price $477.99 - Original price $477.99
Original price
$477.99
$477.99 - $477.99
Current price $477.99

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

Garmin - vívosmart 5 Smart Fitness Tracker + Heart Rate Large - Black - (2022)

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...

View full details
Original price $194.99 - Original price $194.99
Original price
$194.99
$194.99 - $194.99
Current price $194.99

Samsung - Galaxy Watch Ultra Marine Band - Green

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 ...

View full details
Original price $109.99 - Original price $109.99
Original price
$109.99
$109.99 - $109.99
Current price $109.99

Samsung - Galaxy Watch8 Aluminum Smartwatch 40mm BT - Graphite - (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...

View full details
Original price $334.99 - Original price $334.99
Original price
$334.99
$334.99 - $334.99
Current price $334.99

Best Buy essentials - Silicone Band for Apple Watch 38mm 40mm 41mm and 42mm Series 10 (3-Pack) - Navy Blue Pink 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 38mm 40mm 41mm and 42mm Series 10.3 packChoose between three color options (navy blue pink or bla...

View full details
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 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...

View full details
Original price $39.99 - Original price $39.99
Original price
$39.99
$39.99 - $39.99
Current price $39.99

Insignia - Rugged Bumper Case for Apple Watch Ultra 49mm - Black

Insignia
Original price $28.99 - Original price $28.99
Original price
$28.99
$28.99 - $28.99
Current price $28.99

Designed for Apple Watch Ultra 49mmSecurely fits your Apple Watch Ultra 49mm for increased protection.TPU materialPrevents scratches by protecting ...

View full details
Original price $28.99 - Original price $28.99
Original price
$28.99
$28.99 - $28.99
Current price $28.99

Samsung - Galaxy Smart Watch Wireless Charger - Black

Samsung
Original price $56.99 - Original price $56.99
Original price
$56.99
$56.99 - $56.99
Current price $56.99

Simple secure chargingHold your charger up to your Watch and let the magnets snap into place for easy charging

Original price $56.99 - Original price $56.99
Original price
$56.99
$56.99 - $56.99
Current price $56.99

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

View full details
Original price $47.99 - Original price $47.99
Original price
$47.99
$47.99 - $47.99
Current price $47.99

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

Oura
Original price $82.99 - Original price $82.99
Original price
$82.99
$82.99 - $82.99
Current price $82.99

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 $82.99 - Original price $82.99
Original price
$82.99
$82.99 - $82.99
Current price $82.99

Best Buy essentials - Silicone Bands for Apple Watch 38mm 40mm 41mm and 42mm (3-Pack) - Cream Cherry and Sage Green

Best Buy essentials
Original price $22.99 - Original price $22.99
Original price
$22.99
$22.99 - $22.99
Current price $22.99

Designed for your Apple WatchFits the Apple Watch 38mm 40mm and 41mm (all series) 42mm and Apple Watch SE (1-3).3 packChoose between three color op...

View full details
Original price $22.99 - Original price $22.99
Original price
$22.99
$22.99 - $22.99
Current price $22.99

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

Apple
Original price $305.99 - Original price $305.99
Original price
$305.99
$305.99 - $305.99
Current price $305.99

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 $305.99 - Original price $305.99
Original price
$305.99
$305.99 - $305.99
Current price $305.99

Apple - 46mm Sport Band - M/L - Anchor Blue

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

Apple Watch Models

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

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

Apple
Original price $613.99 - Original price $613.99
Original price
$613.99
$613.99 - $613.99
Current price $613.99

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 $613.99 - Original price $613.99
Original price
$613.99
$613.99 - $613.99
Current price $613.99

Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Light Blue Alpine Loop - Small - Natural - (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

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

Apple
Original price $283.99 - Original price $283.99
Original price
$283.99
$283.99 - $283.99
Current price $283.99

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 $283.99 - Original price $283.99
Original price
$283.99
$283.99 - $283.99
Current price $283.99

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

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

NEXT
Original price $21.99 - Original price $21.99
Original price
$21.99
$21.99 - $21.99
Current price $21.99

Designed for Apple WatchFits the Apple Watch 38mm 40mm 40mm SE (1 and 2) and 41mm (all series). Apple Watch is a trademark of Apple Inc.Waterproof ...

View full details
Original price $21.99 - Original price $21.99
Original price
$21.99
$21.99 - $21.99
Current price $21.99

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...

View full details
Original price $39.99 - Original price $39.99
Original price
$39.99
$39.99 - $39.99
Current price $39.99

Oura Ring 4 Charger - Size 11 - 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

Raptic - Hybrid Mesh Watch Band for Apple Watch 42mm 44mm 45mm - Rose Gold

X-Doria
Original price $55.99 - Original price $55.99
Original price
$55.99
$55.99 - $55.99
Current price $55.99

Made from both leather and stainless steelOffers durability and comfort.Continuously adjustable bandGives you just the right fit.Compatible with Ap...

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

Nomad - Active Band Pro 45/44/42mm - Black

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

Heinen leather from GermanyWaterproof and RuggedCustom HardwareStanless Steel Lugs and BuckleWorks with all Apple Watch SeriesDesigned for Apple Wa...

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

Amazfit - Active 3 Premium 45mm Smartwatch - Atlas Blue - Blue - (2026)

Amazfit
Original price $204.99 - Original price $204.99
Original price
$204.99
$204.99 - $204.99
Current price $204.99

Built for RunnersFeatures a durable stainless steel frame sapphire glass and a lightweight build. The vibrant 1.32" AMOLED display ensures your dat...

View full details
Original price $204.99 - Original price $204.99
Original price
$204.99
$204.99 - $204.99
Current price $204.99

Insignia - Bumper with Glass Screen Protector for Apple Watch 42mm - 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 42mmCreates a perfect fit on your smartwatch for full coverage with precise cutouts. Two screen protectors are included in...

View full details
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 Ultra 3/2/1 49mm - 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 coverageBumper and screen protector are integrated into one piece for fast easy installation and a perfect fit for you...

View full details
Original price $47.99 - Original price $47.99
Original price
$47.99
$47.99 - $47.99
Current price $47.99

Insignia - Active 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 WatchFits Apple Watch 44mm 44 mm SE (1 and 2) 45mm 46mm Series 10 and Apple Watch Ultra 49mm (all series).S...

View full details
Original price $34.99 - Original price $34.99
Original price
$34.99
$34.99 - $34.99
Current price $34.99

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...

View full details
Original price $34.99 - Original price $34.99
Original price
$34.99
$34.99 - $34.99
Current price $34.99

ZAGG - InvisibleShield Fusion Eco Flexible Hybrid Screen Protector for Apple Watch Series 11/10 42mm - 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...

View full details
Original price $39.99 - Original price $39.99
Original price
$39.99
$39.99 - $39.99
Current price $39.99

Insignia - Stainless Steel Mesh Band for Apple Watch 38mm 40mm 41mm (All Series) and 42mm - Black

Insignia
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 40mm SE (1-3) 41mm (all series) and 42mm.Mesh stainless steel bandCombines the flexibil...

View full details
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 44mm 45mm 46mm Series 10 49mm SE Ultra and Ultra 2 49mm - 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 44mm 45mm (all series) 46mm Series 10 Apple Watch SE Apple Watch Ultra and Apple Watch Ultra 2 49mm.M...

View full details
Original price $43.99 - Original price $43.99
Original price
$43.99
$43.99 - $43.99
Current price $43.99

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

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

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

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

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.