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

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$377.99 - $377.99
$377.99
$377.99 - $377.99
$377.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Black Ocean Band - 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 Ocean Band - 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...

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$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 - Medium - 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 - 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...

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$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 Blue/Bright Blue Trail Loop - S/M - 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 - S/M - 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...

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$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch Series 11 (GPS+Cellular) 42mm Aluminum Case with Black Sport Band - S/M - Space Gray - (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 - Space Gray - (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...

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$478.99 - $478.99
$478.99
$478.99 - $478.99
$478.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Light Blue Alpine Loop - Small - 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 - 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...

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$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Anchor Blue Ocean Band - Natural - (2025)
$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99

Apple Watch Ultra 3 (GPS+Cellular) 49mm Titanium Case with Anchor Blue Ocean Band - 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...

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$910.99 - $910.99
$910.99
$910.99 - $910.99
$910.99
Samsung - Sport Band for Galaxy Watch8 and Galaxy Watch8 Classic M/L - Graphite
$64.99 - $64.99
$64.99
$64.99 - $64.99
$64.99

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

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...

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$64.99 - $64.99
$64.99
$64.99 - $64.99
$64.99
Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Black Titanium Milanese Loop - Medium - Black - (2024)
$856.99 - $856.99
$856.99
$856.99 - $856.99
$856.99

Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Black Titanium Milanese Loop - Medium - Black - (2024)

Apple

WHY APPLE WATCH ULTRA 2—Meet the ultimate sports and adventure watch. Advanced features for runners cyclists swimmers hikers divers and more. Rugge...

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$856.99 - $856.99
$856.99
$856.99 - $856.99
$856.99
Oura Ring 4 Charger - Size 11 - 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 11 - 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
Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Black Trail Loop - M/L - Black - (2024)
$803.99 - $803.99
$803.99
$803.99 - $803.99
$803.99

Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Black Trail Loop - M/L - Black - (2024)

Apple

WHY APPLE WATCH ULTRA 2—Meet the ultimate sports and adventure watch. Advanced features for runners cyclists swimmers hikers divers and more. Rugge...

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$803.99 - $803.99
$803.99
$803.99 - $803.99
$803.99
Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Black Ocean Band - Black - (2024)
$699.99 - $699.99
$699.99
$699.99 - $699.99
$699.99

Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Black Ocean Band - Black - (2024)

Apple

WHY APPLE WATCH ULTRA 2—Meet the ultimate sports and adventure watch. Advanced features for runners cyclists swimmers hikers divers and more. Rugge...

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$699.99 - $699.99
$699.99
$699.99 - $699.99
$699.99
Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Dark Green Alpine Loop - Medium - Black - (2024)
$768.99 - $768.99
$768.99
$768.99 - $768.99
$768.99

Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Dark Green Alpine Loop - Medium - Black - (2024)

Apple

WHY APPLE WATCH ULTRA 2—Meet the ultimate sports and adventure watch. Advanced features for runners cyclists swimmers hikers divers and more. Rugge...

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$768.99 - $768.99
$768.99
$768.99 - $768.99
$768.99
Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Dark Green Alpine Loop - Small - Black - (2024)
$722.99 - $722.99
$722.99
$722.99 - $722.99
$722.99

Apple Watch Ultra 2 (GPS+Cellular) 49mm Titanium Case with Dark Green Alpine Loop - Small - Black - (2024)

Apple

WHY APPLE WATCH ULTRA 2—Meet the ultimate sports and adventure watch. Advanced features for runners cyclists swimmers hikers divers and more. Rugge...

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$722.99 - $722.99
$722.99
$722.99 - $722.99
$722.99
Samsung - Galaxy Watch8 Classic Stainless Steel Smartwatch 46mm BT - Black - (2025)
$456.99 - $456.99
$456.99
$456.99 - $456.99
$456.99

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

Samsung

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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$456.99 - $456.99
$456.99
$456.99 - $456.99
$456.99
Samsung - Galaxy Watch8 Aluminum Smartwatch 44mm BT - Graphite - (2025)
$324.99 - $324.99
$324.99
$324.99 - $324.99
$324.99

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

Samsung

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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$324.99 - $324.99
$324.99
$324.99 - $324.99
$324.99
Xplora - Kids’ XGO3 Jungle Edition (GPS + Cellular) Smart Watch Calls Messages SOS GPS Tracker Camera Step Counter SIM Card - Black - (2025)
$127.99 - $127.99
$127.99
$127.99 - $127.99
$127.99

Xplora - Kids’ XGO3 Jungle Edition (GPS + Cellular) Smart Watch Calls Messages SOS GPS Tracker Camera Step Counter SIM Card - Black - (2025)

Xplora

Voice Calls and MessagesXplora’s XGO3 can make calls to and receive calls from up to 50 numbers pre-saved in the easy-to-use parental app. Similar ...

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$127.99 - $127.99
$127.99
$127.99 - $127.99
$127.99
Garmin - Approach S44 GPS Smartwatch 43mm Anodized Aluminum - Silver Aluminum Bezel with Twilight Silicone Band - (2025)
$314.99 - $314.99
$314.99
$314.99 - $314.99
$314.99

Garmin - Approach S44 GPS Smartwatch 43mm Anodized Aluminum - Silver Aluminum Bezel with Twilight Silicone Band - (2025)

Garmin

Colorful and capableThe stunning 1.2-inch AMOLED touchscreen display makes it easy to see key yardages to the green hazards and layups on 43000+ co...

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$314.99 - $314.99
$314.99
$314.99 - $314.99
$314.99
Garmin - Approach S50 GPS Smartwatch 43mm Anodized Aluminum - Cream Gold Aluminum Bezel with Nylon Band - (2025)
$416.99 - $416.99
$416.99
$416.99 - $416.99
$416.99

Garmin - Approach S50 GPS Smartwatch 43mm Anodized Aluminum - Cream Gold Aluminum Bezel with Nylon Band - (2025)

Garmin

Colorful and capableThe stunning 1.2-inch AMOLED touchscreen display makes it easy to see key yardages to the green hazards and layups on 43000+ co...

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$416.99 - $416.99
$416.99
$416.99 - $416.99
$416.99
Garmin - Approach S50 GPS Smartwatch 43mm Anodized Aluminum - Slate Aluminum Bezel with Black Nylon Band - (2025)
$416.99 - $416.99
$416.99
$416.99 - $416.99
$416.99

Garmin - Approach S50 GPS Smartwatch 43mm Anodized Aluminum - Slate Aluminum Bezel with Black Nylon Band - (2025)

Garmin

Colorful and capableThe stunning 1.2-inch AMOLED touchscreen display makes it easy to see key yardages to the green hazards and layups on 43000+ co...

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$416.99 - $416.99
$416.99
$416.99 - $416.99
$416.99
Garmin - Venu Sq 2 GPS Smartwatch 40mm Fiber-reinforced polymer - Slate - (2022)
$194.99 - $194.99
$194.99
$194.99 - $194.99
$194.99

Garmin - Venu Sq 2 GPS Smartwatch 40mm Fiber-reinforced polymer - Slate - (2022)

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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$194.99 - $194.99
$194.99
$194.99 - $194.99
$194.99
Garmin - vívosmart 5 Smart Fitness Tracker + Heart Rate Large - Black - (2022)
$194.99 - $194.99
$194.99
$194.99 - $194.99
$194.99

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

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
Garmin - Approach S50 GPS Smartwatch 43mm Anodized Aluminum - Cream Gold Aluminum Bezel with Nylon Band
$416.99 - $416.99
$416.99
$416.99 - $416.99
$416.99

Garmin - Approach S50 GPS Smartwatch 43mm Anodized Aluminum - Cream Gold Aluminum Bezel with Nylon Band

Garmin

Colorful and capableThe stunning 1.2-inch AMOLED touchscreen display makes it easy to see key yardages to the green hazards and layups on 43000+ co...

View full details
$416.99 - $416.99
$416.99
$416.99 - $416.99
$416.99
Garmin - Approach S44 GPS Smartwatch 43mm Anodized Aluminum - Silver Aluminum Bezel with Twilight Silicone Band
$314.99 - $314.99
$314.99
$314.99 - $314.99
$314.99

Garmin - Approach S44 GPS Smartwatch 43mm Anodized Aluminum - Silver Aluminum Bezel with Twilight Silicone Band

Garmin

Colorful and capableThe stunning 1.2-inch AMOLED touchscreen display makes it easy to see key yardages to the green hazards and layups on 43000+ co...

View full details
$314.99 - $314.99
$314.99
$314.99 - $314.99
$314.99
Garmin - Approach S50 GPS Smartwatch 43mm Anodized Aluminum - Slate Aluminum Bezel with Black Nylon Band
$416.99 - $416.99
$416.99
$416.99 - $416.99
$416.99

Garmin - Approach S50 GPS Smartwatch 43mm Anodized Aluminum - Slate Aluminum Bezel with Black Nylon Band

Garmin

Colorful and capableThe stunning 1.2-inch AMOLED touchscreen display makes it easy to see key yardages to the green hazards and layups on 43000+ co...

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$416.99 - $416.99
$416.99
$416.99 - $416.99
$416.99
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
Garmin - Venu Sq 2 GPS Smartwatch 40mm Fiber-reinforced polymer - Slate
$194.99 - $194.99
$194.99
$194.99 - $194.99
$194.99

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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$194.99 - $194.99
$194.99
$194.99 - $194.99
$194.99
Nomad - Active Leather Strap 44mm - Black
$85.99 - $85.99
$85.99
$85.99 - $85.99
$85.99

Nomad - Active Leather Strap 44mm - Black

Nomad

Heinen leather from GermanyWaterproof and RuggedCustom HardwareStanless Steel Lugs and BuckleDesigned for Apple Watch 42mm and 44mmWorks with all A...

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$85.99 - $85.99
$85.99
$85.99 - $85.99
$85.99

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.