Skip to content
Order by December 12 for best chance of Christmas delivery!
Order by December 12 for best chance of Christmas 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!

Filters

$
$
Apple Watch Series 11 (GPS) 46mm Space Gray Aluminum Case with Black Sport Band - M/L - Space Gray - (2025)
$400.99 - $400.99
$400.99
$400.99 - $400.99
$400.99

Apple Watch Series 11 (GPS) 46mm Space Gray 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.KNOW YOUR SL...

View full details
$400.99 - $400.99
$400.99
$400.99 - $400.99
$400.99
Apple Watch Series 11 (GPS) 46mm Jet Black Aluminum Case with Black Sport Band - M/L - Jet Black - (2025)
$400.99 - $400.99
$400.99
$400.99 - $400.99
$400.99

Apple Watch Series 11 (GPS) 46mm Jet Black Aluminum Case with Black Sport Band - M/L - Jet Black - (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
$400.99 - $400.99
$400.99
$400.99 - $400.99
$400.99
Apple Watch Series 11 (GPS+Cellular) 42mm Aluminum Case with Black Sport Band - S/M - Jet Black - (2025)
$478.99 - $478.99
$478.99
$478.99 - $478.99
$478.99

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

View full details
$478.99 - $478.99
$478.99
$478.99 - $478.99
$478.99
Samsung - Sport Band for Galaxy Watch8 and Galaxy Watch8 Classic M/L - Blue
$72.99 - $72.99
$72.99
$72.99 - $72.99
$72.99

Samsung - Sport Band for Galaxy Watch8 and Galaxy Watch8 Classic M/L - Blue

Samsung

Train harder with active level comfortStay on top of your daily fitness routine with the Sport Band. Whether you're running swimming cycling or doi...

View full details
$72.99 - $72.99
$72.99
$72.99 - $72.99
$72.99
Samsung - Fabric Band for Galaxy Watch8 and Galaxy Watch8 Classic S/M - White
$66.99 - $66.99
$66.99
$66.99 - $66.99
$66.99

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

Samsung

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 ...

View full details
$66.99 - $66.99
$66.99
$66.99 - $66.99
$66.99
Samsung - Athleisure Band for Galaxy Watch8 and Galaxy Watch8 Classic M/L - Graphite
$94.99 - $94.99
$94.99
$94.99 - $94.99
$94.99

Samsung - Athleisure Band for Galaxy Watch8 and Galaxy Watch8 Classic M/L - Graphite

Samsung

Step out in styleThis band easily transitions from workouts to daily wear bringing effortless versatility confidence and comfort to your everyday l...

View full details
$94.99 - $94.99
$94.99
$94.99 - $94.99
$94.99
Samsung - Marine Band for Galaxy Watch Ultra - Blue
$109.99 - $109.99
$109.99
$109.99 - $109.99
$109.99

Samsung - Marine Band for Galaxy Watch Ultra - Blue

Samsung

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
$109.99 - $109.99
$109.99
$109.99 - $109.99
$109.99
Samsung - Trail Band for Galaxy Watch Ultra - Blue
$109.99 - $109.99
$109.99
$109.99 - $109.99
$109.99

Samsung - Trail Band for Galaxy Watch Ultra - Blue

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 ...

View full details
$109.99 - $109.99
$109.99
$109.99 - $109.99
$109.99
Apple Watch SE 3 (GPS) 44mm Midnight Aluminum Case with Midnight Sport Band - M/L - Midnight - (2025)
$321.99 - $321.99
$321.99
$321.99 - $321.99
$321.99

Apple Watch SE 3 (GPS) 44mm 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
$321.99 - $321.99
$321.99
$321.99 - $321.99
$321.99
Apple - 49mm Trail Loop - M/L - Black Titanium Finish - Black/Charcoal
$127.99 - $127.99
$127.99
$127.99 - $127.99
$127.99

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

Apple

Apple Watch Models44mm 45mm 46mm 49mm

$127.99 - $127.99
$127.99
$127.99 - $127.99
$127.99
Apple Watch Series 11 (GPS) 42mm Silver Aluminum Case with Purple Fog Sport Band - S/M - Silver - (2025)
$367.99 - $367.99
$367.99
$367.99 - $367.99
$367.99

Apple Watch Series 11 (GPS) 42mm Silver Aluminum Case with Purple Fog Sport Band - S/M - Silver - (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
$367.99 - $367.99
$367.99
$367.99 - $367.99
$367.99
Apple Watch SE 3 (GPS) 40mm Midnight Aluminum Case with Midnight Sport Band - S/M - Midnight - (2025)
$301.99 - $301.99
$301.99
$301.99 - $301.99
$301.99

Apple Watch SE 3 (GPS) 40mm 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...

View full details
$301.99 - $301.99
$301.99
$301.99 - $301.99
$301.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Titanium Milanese Loop - Large - Black - (2025)
$1,022.99 - $1,022.99
$1,022.99
$1,022.99 - $1,022.99
$1,022.99

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

Apple

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
$1,022.99 - $1,022.99
$1,022.99
$1,022.99 - $1,022.99
$1,022.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Titanium Milanese Loop - Small - Black - (2025)
$1,022.99 - $1,022.99
$1,022.99
$1,022.99 - $1,022.99
$1,022.99

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

Apple

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
$1,022.99 - $1,022.99
$1,022.99
$1,022.99 - $1,022.99
$1,022.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black/Charcoal Trail Loop - S/M - Black - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black/Charcoal Trail Loop - S/M - Black - (2025)

Apple

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
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch Series 11 (GPS) 46mm Jet Black Aluminum Case with Black Sport Band - S/M - Jet Black - (2025)
$400.99 - $400.99
$400.99
$400.99 - $400.99
$400.99

Apple Watch Series 11 (GPS) 46mm Jet Black Aluminum Case with Black Sport Band - S/M - Jet Black - (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
$400.99 - $400.99
$400.99
$400.99 - $400.99
$400.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black Alpine Loop - Large - Black - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

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

Apple

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
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black Alpine Loop - Small - Black - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

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

Apple

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
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Titanium Milanese Loop - Small - Natural - (2025)
$1,022.99 - $1,022.99
$1,022.99
$1,022.99 - $1,022.99
$1,022.99

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

Apple

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
$1,022.99 - $1,022.99
$1,022.99
$1,022.99 - $1,022.99
$1,022.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Light Blue Alpine Loop - Medium - Natural - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Light Blue Alpine Loop - Medium - Natural - (2025)

Apple

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
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Light Blue Alpine Loop - Large - Natural - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Light Blue Alpine Loop - Large - Natural - (2025)

Apple

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
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Blue/Bright Blue Trail Loop - M/L - Natural - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Blue/Bright Blue Trail Loop - M/L - Natural - (2025)

Apple

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
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch SE 3 (GPS) 40mm Starlight Aluminum Case with Starlight Sport Band - S/M - Starlight - (2025)
$301.99 - $301.99
$301.99
$301.99 - $301.99
$301.99

Apple Watch SE 3 (GPS) 40mm Starlight Aluminum Case with Starlight Sport Band - S/M - 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
$301.99 - $301.99
$301.99
$301.99 - $301.99
$301.99
Apple Watch Series 11 (GPS+Cellular) 46mm Aluminum Case with Black Sport Band - M/L - Jet Black - (2025)
$510.99 - $510.99
$510.99
$510.99 - $510.99
$510.99

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

View full details
$510.99 - $510.99
$510.99
$510.99 - $510.99
$510.99
Apple Watch Series 11 (GPS+Cellular) 46mm Aluminum Case with Black Sport Band - S/M - Jet Black - (2025)
$510.99 - $510.99
$510.99
$510.99 - $510.99
$510.99

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

View full details
$510.99 - $510.99
$510.99
$510.99 - $510.99
$510.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black/Charcoal Trail Loop - M/L - Black - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black/Charcoal Trail Loop - M/L - Black - (2025)

Apple

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
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch Series 11 (GPS) 42mm Rose Gold Aluminum Case with Light Blush Sport Band - S/M - Rose Gold - (2025)
$367.99 - $367.99
$367.99
$367.99 - $367.99
$367.99

Apple Watch Series 11 (GPS) 42mm 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...

View full details
$367.99 - $367.99
$367.99
$367.99 - $367.99
$367.99
Apple Watch SE 3 (GPS+Cellular) 40mm Aluminum Case with Starlight Sport Band - S/M - Starlight - (2025)
$344.99 - $344.99
$344.99
$344.99 - $344.99
$344.99

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

Apple

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

View full details
$344.99 - $344.99
$344.99
$344.99 - $344.99
$344.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Titanium Milanese Loop - Medium - Black - (2025)
$1,022.99 - $1,022.99
$1,022.99
$1,022.99 - $1,022.99
$1,022.99

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

Apple

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
$1,022.99 - $1,022.99
$1,022.99
$1,022.99 - $1,022.99
$1,022.99
Apple Watch SE 3 (GPS+Cellular) 44mm Aluminum Case with Midnight Sport Band - M/L - Midnight - (2025)
$377.99 - $377.99
$377.99
$377.99 - $377.99
$377.99

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

Apple

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

View full details
$377.99 - $377.99
$377.99
$377.99 - $377.99
$377.99
Apple Watch Series 11 (GPS) 42mm Space Gray Aluminum Case with Black Sport Band - S/M - Space Gray - (2025)
$367.99 - $367.99
$367.99
$367.99 - $367.99
$367.99

Apple Watch Series 11 (GPS) 42mm Space Gray Aluminum Case with Black Sport Band - S/M - Space Gray - (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
$367.99 - $367.99
$367.99
$367.99 - $367.99
$367.99
Apple Watch Series 11 (GPS+Cellular) 42mm Aluminum Case with Light Blush Sport Band - S/M - Rose Gold - (2025)
$478.99 - $478.99
$478.99
$478.99 - $478.99
$478.99

Apple Watch Series 11 (GPS+Cellular) 42mm 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.185;KNOW YOU...

View full details
$478.99 - $478.99
$478.99
$478.99 - $478.99
$478.99
Apple Watch SE 3 (GPS+Cellular) 40mm Aluminum Case with Midnight Sport Band - S/M - Midnight - (2025)
$344.99 - $344.99
$344.99
$344.99 - $344.99
$344.99

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

Apple

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

View full details
$344.99 - $344.99
$344.99
$344.99 - $344.99
$344.99
Apple Watch Series 11 (GPS) 42mm Jet Black Aluminum Case with Black Sport Band - S/M - Jet Black - (2025)
$367.99 - $367.99
$367.99
$367.99 - $367.99
$367.99

Apple Watch Series 11 (GPS) 42mm Jet Black Aluminum Case with Black Sport Band - S/M - Jet Black - (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
$367.99 - $367.99
$367.99
$367.99 - $367.99
$367.99
Apple Watch Series 11 (GPS+Cellular) 46mm Titanium Case with Gold Milanese Loop - M/L - Gold - (2025)
$802.99 - $802.99
$802.99
$802.99 - $802.99
$802.99

Apple Watch Series 11 (GPS+Cellular) 46mm Titanium Case with Gold Milanese Loop - M/L - Gold - (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...

View full details
$802.99 - $802.99
$802.99
$802.99 - $802.99
$802.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black Alpine Loop - Medium - Black - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

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

Apple

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
$910.99 - $910.99
$910.99
$910.99 - $910.99
$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.