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Desktops

Rent to Own PC Computers – For Gaming, Working, or School

Find the perfect desktop with a rent to own plan at Finance My Cart. Choose from top brands like Dell, HP, Apple, ASUS, Alienware, MSI, Lenovo, and more. Get advanced features such as lightning-fast processors, expandable storage, and cutting-edge graphics—all with flexible payment plans and free shipping. Get the setup you need today without the big upfront payment!

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HP OMEN - 35L Gaming Desktop - Intel Core i7-14700F - 32GB Memory - NVIDIA GeForce RTX 5080 - 1TB SSD - Shadow Black
$2,995.99 - $2,995.99
$2,995.99
$2,995.99 - $2,995.99
$2,995.99

HP OMEN - 35L Gaming Desktop - Intel Core i7-14700F - 32GB Memory - NVIDIA GeForce RTX 5080 - 1TB SSD - Shadow Black

HP

Intel Core i7-14700F processorIntel’s performance hybrid architecture optimizes your gaming content creation and productivity.Windows 11 Home opera...

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$2,995.99 - $2,995.99
$2,995.99
$2,995.99 - $2,995.99
$2,995.99
HP OMEN - 35L Gaming Desktop - AMD Ryzen 5 8400F - 16GB DDR5 Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Panda Metal
$1,198.99 - $1,198.99
$1,198.99
$1,198.99 - $1,198.99
$1,198.99

HP OMEN - 35L Gaming Desktop - AMD Ryzen 5 8400F - 16GB DDR5 Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Panda Metal

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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$1,198.99 - $1,198.99
$1,198.99
$1,198.99 - $1,198.99
$1,198.99
HP - OmniDesk Desktop - Intel Core Ultra 5 - 16GB DDR5 Memory - 1TB SSD - Dark Wood
$660.99 - $660.99
$660.99
$660.99 - $660.99
$660.99

HP - OmniDesk Desktop - Intel Core Ultra 5 - 16GB DDR5 Memory - 1TB SSD - Dark Wood

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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$660.99 - $660.99
$660.99
$660.99 - $660.99
$660.99
HP - OmniDesk Desktop - Intel Core Ultra 7 - 32GB DDR5 Memory - NVIDIA GeForce RTX 4060 - 1TB SSD - Dark Wood
$1,385.99 - $1,385.99
$1,385.99
$1,385.99 - $1,385.99
$1,385.99

HP - OmniDesk Desktop - Intel Core Ultra 7 - 32GB DDR5 Memory - NVIDIA GeForce RTX 4060 - 1TB SSD - Dark Wood

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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$1,385.99 - $1,385.99
$1,385.99
$1,385.99 - $1,385.99
$1,385.99
HP - OmniDesk Desktop - AMD Ryzen 7 - 16GB DDR5 Memory - NVIDIA GeForce RTX 3050 - 1TB SSD - Gray Wood
$1,082.99 - $1,082.99
$1,082.99
$1,082.99 - $1,082.99
$1,082.99

HP - OmniDesk Desktop - AMD Ryzen 7 - 16GB DDR5 Memory - NVIDIA GeForce RTX 3050 - 1TB SSD - Gray Wood

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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$1,082.99 - $1,082.99
$1,082.99
$1,082.99 - $1,082.99
$1,082.99
HP - 23.8" Full HD Touch-Screen All-in-One - Intel Core i3 - 8GB Memory - 512GB SSD - Shell White
$602.99 - $602.99
$602.99
$602.99 - $602.99
$602.99

HP - 23.8" Full HD Touch-Screen All-in-One - Intel Core i3 - 8GB Memory - 512GB SSD - Shell White

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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$602.99 - $602.99
$602.99
$602.99 - $602.99
$602.99
HP - 21.5" All-in-One - Intel N100 - 8GB Memory - 128GB UFS - Cashmere White
$342.99 - $342.99
$342.99
$342.99 - $342.99
$342.99

HP - 21.5" All-in-One - Intel N100 - 8GB Memory - 128GB UFS - Cashmere White

HP

Windows 11 Home in S modeExperience the most secure Windows ever built with fast boot times increased responsiveness and added protection against p...

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$342.99 - $342.99
$342.99
$342.99 - $342.99
$342.99
HP OMEN - 35L Gaming Desktop - Intel Core i7-14700F - 32GB Memory - NVIDIA GeForce RTX 5070 Ti- 1TB SSD - Shadow Black
$2,498.99 - $2,498.99
$2,498.99
$2,498.99 - $2,498.99
$2,498.99

HP OMEN - 35L Gaming Desktop - Intel Core i7-14700F - 32GB Memory - NVIDIA GeForce RTX 5070 Ti- 1TB SSD - Shadow Black

HP

Intel Core i7-14700F processorIntel’s performance hybrid architecture optimizes your gaming content creation and productivity.Windows 11 Home opera...

View full details
$2,498.99 - $2,498.99
$2,498.99
$2,498.99 - $2,498.99
$2,498.99
HP - OmniDesk Desktop - AMD Ryzen 7 - 16GB DDR5 Memory - 1TB SSD - Gray Wood
$765.99 - $765.99
$765.99
$765.99 - $765.99
$765.99

HP - OmniDesk Desktop - AMD Ryzen 7 - 16GB DDR5 Memory - 1TB SSD - Gray Wood

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$765.99 - $765.99
$765.99
$765.99 - $765.99
$765.99
HP - Copilot+ PC 27" Full HD Touch-Screen All-in-One with Adjustable Height - AMD Ryzen AI 7 - 16GB DDR5 Memory - 1TB SSD - Jet Black
$1,357.99 - $1,357.99
$1,357.99
$1,357.99 - $1,357.99
$1,357.99

HP - Copilot+ PC 27" Full HD Touch-Screen All-in-One with Adjustable Height - AMD Ryzen AI 7 - 16GB DDR5 Memory - 1TB SSD - Jet Black

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$1,357.99 - $1,357.99
$1,357.99
$1,357.99 - $1,357.99
$1,357.99
HP - 27" Full HD Touch-Screen All-in-One with Adjustable Height - Intel Core Ultra 5 - 8GB DDR5 Memory - 512GB SSD - Shell White
$1,122.99 - $1,122.99
$1,122.99
$1,122.99 - $1,122.99
$1,122.99

HP - 27" Full HD Touch-Screen All-in-One with Adjustable Height - Intel Core Ultra 5 - 8GB DDR5 Memory - 512GB SSD - Shell White

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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$1,122.99 - $1,122.99
$1,122.99
$1,122.99 - $1,122.99
$1,122.99
HP - OmniDesk Desktop - AMD Ryzen 3 - 8GB DDR5 Memory - 256GB SSD - Gray Wood
$569.99 - $569.99
$569.99
$569.99 - $569.99
$569.99

HP - OmniDesk Desktop - AMD Ryzen 3 - 8GB DDR5 Memory - 256GB SSD - Gray Wood

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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$569.99 - $569.99
$569.99
$569.99 - $569.99
$569.99
HP OMEN - 16L Gaming Desktop - Intel Core i5-14400F - 16GB DDR5 Memory - NVIDIA GeForce RTX 5060 Ti 8GB GDDR7 - 1TB SSD - Panda Metal
$1,158.99 - $1,158.99
$1,158.99
$1,158.99 - $1,158.99
$1,158.99

HP OMEN - 16L Gaming Desktop - Intel Core i5-14400F - 16GB DDR5 Memory - NVIDIA GeForce RTX 5060 Ti 8GB GDDR7 - 1TB SSD - Panda Metal

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$1,158.99 - $1,158.99
$1,158.99
$1,158.99 - $1,158.99
$1,158.99
HP OMEN - 35L Gaming Desktop - AMD Ryzen 7 8700F - 16GB DDR5 Memory - NVIDIA GeForce RTX 5060 Ti 16GB GDDR7 - 1TB SSD - Panda Metal
$1,328.99 - $1,328.99
$1,328.99
$1,328.99 - $1,328.99
$1,328.99

HP OMEN - 35L Gaming Desktop - AMD Ryzen 7 8700F - 16GB DDR5 Memory - NVIDIA GeForce RTX 5060 Ti 16GB GDDR7 - 1TB SSD - Panda Metal

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$1,328.99 - $1,328.99
$1,328.99
$1,328.99 - $1,328.99
$1,328.99
HP OMEN - 35L Gaming Desktop - AMD Ryzen 7 8700F - 32GB DDR5 Memory - NVIDIA GeForce RTX 5070 - 1TB SSD - Panda Metal
$2,057.99 - $2,057.99
$2,057.99
$2,057.99 - $2,057.99
$2,057.99

HP OMEN - 35L Gaming Desktop - AMD Ryzen 7 8700F - 32GB DDR5 Memory - NVIDIA GeForce RTX 5070 - 1TB SSD - Panda Metal

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$2,057.99 - $2,057.99
$2,057.99
$2,057.99 - $2,057.99
$2,057.99
HP OMEN - 16L Gaming Desktop - Intel Core Ultra 7 265F - 16GB DDR5 Memory - NVIDIA GeForce RTX 5060 Ti 16GB GDDR7 - 1TB SSD - Panda Metal
$1,307.99 - $1,307.99
$1,307.99
$1,307.99 - $1,307.99
$1,307.99

HP OMEN - 16L Gaming Desktop - Intel Core Ultra 7 265F - 16GB DDR5 Memory - NVIDIA GeForce RTX 5060 Ti 16GB GDDR7 - 1TB SSD - Panda Metal

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$1,307.99 - $1,307.99
$1,307.99
$1,307.99 - $1,307.99
$1,307.99
HP - 27" Full HD Touch-Screen All-in-One with Adjustable Height - Intel Core Ultra 7 - 16GB DDR5 Memory - 1TB SSD - Shell White
$1,347.99 - $1,347.99
$1,347.99
$1,347.99 - $1,347.99
$1,347.99

HP - 27" Full HD Touch-Screen All-in-One with Adjustable Height - Intel Core Ultra 7 - 16GB DDR5 Memory - 1TB SSD - Shell White

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$1,347.99 - $1,347.99
$1,347.99
$1,347.99 - $1,347.99
$1,347.99
HP - Copilot+ PC 24" Full HD Touch-Screen All-in-One with Adjustable Height - AMD Ryzen AI 5 - 16GB DDR5 Memory - 512GB SSD - Jet Black
$858.99 - $858.99
$858.99
$858.99 - $858.99
$858.99

HP - Copilot+ PC 24" Full HD Touch-Screen All-in-One with Adjustable Height - AMD Ryzen AI 5 - 16GB DDR5 Memory - 512GB SSD - Jet Black

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$858.99 - $858.99
$858.99
$858.99 - $858.99
$858.99
HP - OmniDesk Desktop - AMD Ryzen 5 - 16GB DDR5 Memory - 512GB SSD - Gray Wood
$810.99 - $810.99
$810.99
$810.99 - $810.99
$810.99

HP - OmniDesk Desktop - AMD Ryzen 5 - 16GB DDR5 Memory - 512GB SSD - Gray Wood

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$810.99 - $810.99
$810.99
$810.99 - $810.99
$810.99
HP - OmniDesk Desktop - Intel Core Ultra 7 - 16GB DDR5 Memory - 1TB SSD - Dark Wood
$766.99 - $766.99
$766.99
$766.99 - $766.99
$766.99

HP - OmniDesk Desktop - Intel Core Ultra 7 - 16GB DDR5 Memory - 1TB SSD - Dark Wood

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$766.99 - $766.99
$766.99
$766.99 - $766.99
$766.99
HP - 27" Touch-Screen All-in-One with Adjustable Height - AMD Ryzen 7 - 16GB Memory - 1TB SSD - Jet Black
$976.99 - $976.99
$976.99
$976.99 - $976.99
$976.99

HP - 27" Touch-Screen All-in-One with Adjustable Height - AMD Ryzen 7 - 16GB Memory - 1TB SSD - Jet Black

HP

Get A Fresh Perspective With Windows 11From a rejuvenated Start menu to new ways to connect to your favorite people news games and content—Windows ...

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$976.99 - $976.99
$976.99
$976.99 - $976.99
$976.99
HP - OmniStudio X - Copilot+ PC - 31.5" 4K UHD All-in-One with Adjustable Height - Intel Core Ultra 7 - 32GB Memory - 1TB SSD - Meteor Silver
$1,696.99 - $1,696.99
$1,696.99
$1,696.99 - $1,696.99
$1,696.99

HP - OmniStudio X - Copilot+ PC - 31.5" 4K UHD All-in-One with Adjustable Height - Intel Core Ultra 7 - 32GB Memory - 1TB SSD - Meteor Silver

HP

Get A Fresh Perspective With Windows 11From a rejuvenated start menu to new ways to connect to your favorite people news games and content—windows ...

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$1,696.99 - $1,696.99
$1,696.99
$1,696.99 - $1,696.99
$1,696.99
HP - OmniDesk Slim Desktop - Intel Core i3 - 8GB DDR5 Memory - 256GB SSD - Meteor Silver
$448.99 - $448.99
$448.99
$448.99 - $448.99
$448.99

HP - OmniDesk Slim Desktop - Intel Core i3 - 8GB DDR5 Memory - 256GB SSD - Meteor Silver

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$448.99 - $448.99
$448.99
$448.99 - $448.99
$448.99
HP - OmniStudio X - Copilot+ PC - 27" 4K UHD All-in-One with Adjustable Height - Intel Core Ultra 7 - 16GB Memory - 1TB SSD - Meteor Silver
$1,411.99 - $1,411.99
$1,411.99
$1,411.99 - $1,411.99
$1,411.99

HP - OmniStudio X - Copilot+ PC - 27" 4K UHD All-in-One with Adjustable Height - Intel Core Ultra 7 - 16GB Memory - 1TB SSD - Meteor Silver

HP

Get A Fresh Perspective With Windows 11From a rejuvenated start menu to new ways to connect to your favorite people news games and content—Windows ...

View full details
$1,411.99 - $1,411.99
$1,411.99
$1,411.99 - $1,411.99
$1,411.99
HP - 23.8" Full HD All-in-One - AMD Ryzen 3 - 8GB Memory - 512GB SSD - Jet Black
$519.99 - $519.99
$519.99
$519.99 - $519.99
$519.99

HP - 23.8" Full HD All-in-One - AMD Ryzen 3 - 8GB Memory - 512GB SSD - Jet Black

HP

Get A Fresh Perspective With Windows 11From a rejuvenated Start menu to new ways to connect to your favorite people news games and content—Windows ...

View full details
$519.99 - $519.99
$519.99
$519.99 - $519.99
$519.99
HP - OmniDesk Desktop - AMD Ryzen 5 - 32GB Memory - 512GB SSD - Gray Wood
$798.99 - $798.99
$798.99
$798.99 - $798.99
$798.99

HP - OmniDesk Desktop - AMD Ryzen 5 - 32GB Memory - 512GB SSD - Gray Wood

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$798.99 - $798.99
$798.99
$798.99 - $798.99
$798.99
HP OMEN - 35L VALORANT Limited Edition Gaming Desktop - Intel Core i7-14700F - 16GB Memory - NVIDIA GeForce RTX 5060 Ti - 1TB SSD - Navy
$1,811.99 - $1,811.99
$1,811.99
$1,811.99 - $1,811.99
$1,811.99

HP OMEN - 35L VALORANT Limited Edition Gaming Desktop - Intel Core i7-14700F - 16GB Memory - NVIDIA GeForce RTX 5060 Ti - 1TB SSD - Navy

HP

The ultimate immersive experience for gaming and creating.Intel’s performance hybrid architecture to optimize your gaming content creation and prod...

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$1,811.99 - $1,811.99
$1,811.99
$1,811.99 - $1,811.99
$1,811.99
HP - OmniDesk Desktop - AMD Ryzen 7 - 32GB Memory - 2TB SSD - Gray Wood
$1,074.99 - $1,074.99
$1,074.99
$1,074.99 - $1,074.99
$1,074.99

HP - OmniDesk Desktop - AMD Ryzen 7 - 32GB Memory - 2TB SSD - Gray Wood

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$1,074.99 - $1,074.99
$1,074.99
$1,074.99 - $1,074.99
$1,074.99
HP - 23.8" Full HD Touch-Screen All-in-One with Adjustable Height - Intel Core i5 - 8GB Memory - 512GB SSD - Shell White
$664.99 - $664.99
$664.99
$664.99 - $664.99
$664.99

HP - 23.8" Full HD Touch-Screen All-in-One with Adjustable Height - Intel Core i5 - 8GB Memory - 512GB SSD - Shell White

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
$664.99 - $664.99
$664.99
$664.99 - $664.99
$664.99
HP - 27" Touch-Screen All-in-One with Adjustable Height - AMD Ryzen 7 - 32GB Memory - 1TB SSD - Jet Black
$1,371.99 - $1,371.99
$1,371.99
$1,371.99 - $1,371.99
$1,371.99

HP - 27" Touch-Screen All-in-One with Adjustable Height - AMD Ryzen 7 - 32GB Memory - 1TB SSD - Jet Black

HP

Get a fresh perspective with Windows 11From a rejuvenated Start menu to new ways to connect to your favorite people news games and content—Windows ...

View full details
$1,371.99 - $1,371.99
$1,371.99
$1,371.99 - $1,371.99
$1,371.99
HP - OMEN 45L Gaming Desktop GT22-3060 - Intel Core Ultra 7 265K - 32GB Memory - 1 TB SSD - Black
$2,601.99 - $2,601.99
$2,601.99
$2,601.99 - $2,601.99
$2,601.99

HP - OMEN 45L Gaming Desktop GT22-3060 - Intel Core Ultra 7 265K - 32GB Memory - 1 TB SSD - Black

HP

Get a fresh perspective with windows 11From a rejuvenated Start menu to new ways to connect to your favorite people news games and content Windows ...

View full details
$2,601.99 - $2,601.99
$2,601.99
$2,601.99 - $2,601.99
$2,601.99
Ultra 7 265K 32G 1TBSSD 5070OMEN 45L Desktop Intel Core Ultra 7 265K 32GB(DDR52 DIMM) Fury 5200MHz XMP RGB 1TB SSD NVIDIA RTX 5070 Ti GDDR7 16GB No ODD Windows 11 Pro Standard 30 days No MCR Wi-Fi 6 (2x2) None None 5.1 Surround Sound Basic 1 yr 850W
$2,642.99 - $2,642.99
$2,642.99
$2,642.99 - $2,642.99
$2,642.99

Ultra 7 265K 32G 1TBSSD 5070OMEN 45L Desktop Intel Core Ultra 7 265K 32GB(DDR52 DIMM) Fury 5200MHz XMP RGB 1TB SSD NVIDIA RTX 5070 Ti GDDR7 16GB No ODD Windows 11 Pro Standard 30 days No MCR Wi-Fi 6 (2x2) None None 5.1 Surround Sound Basic 1 yr 850W

HP

Ultra 7 265K 32G 1TBSSD 5070OMEN 45L Desktop Intel Core Ultra 7 265K 32GB(DDR52 DIMM) Fury 5200MHz XMP RGB 1TB SSD NVIDIA RTX 5070 Ti GDDR7 16GB No...

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$2,642.99 - $2,642.99
$2,642.99
$2,642.99 - $2,642.99
$2,642.99

Upgrade to the latest computers with flexible rent-to-own financing from FinanceMyCart. Whether you need a powerful workstation desktop for business or your home office, an All-in-One system for the family, or a reliable PC for general use (we do offer gaming options too!) We've got top brands like Apple, Dell, ASUS, Lenovo, Acer, and Samsung. —all with easy lease-to-own payment plans and fast, free delivery.

Shop our gear and pick your new rig today. Terrace Finance has got a pathway to ownership for you - always without any surprises or hidden fees.

How Terrace Finance Works for Your PC Needs

Terrace Finance helps our customers connect to payment solution providers, so you can get the benefits of rent to own for the computers and electronics you need. The application process is quick, and qualified customers often receive a nearly instant decision (with no credit needed offers available!) Applying won't hurt your credit score, and you aren't required to proceed once you are approved. Read more about Terrace Finance's credit pull policy here.

Why Choose a Rent-to-Own Computer?

Get the perfect PC now without applying for a credit card or waiting and saving. Renting to own gives you another way to pay for the things you need without having to wait and save.

Spread payments for your merchandise over time with convenient payment plans that work within your budget, and align with your pay dates.

Is There a Credit Check?

We specialize in providing rent-to-own services with no credit needed offers and easy application processes. We have computer financing programs for customers across the lending spectrum - if you're over 18 and have a steady income, we will work to match you with a payment plan.

Applying won't hurt your score, our lenders utilize a soft credit check. Applying only takes a few minutes and you could be approved for up to $5000 in purchasing power for a new computer. Read more about Terrace Finance's credit pull policy here.

Can I Pay Off My Computer Early to Save Money?

Absolutely.

Most of our financing options include early purchase options or same-as-cash periods, giving you the flexibility to pay off your computer early and save. However, because offers vary, you should always review the specific terms with your lender prior to finalizing the agreement. Approval and offers may vary based on credit history, payment history, and other factors.

Getting a new PC is easy—we are here to connect you with the right payment opportunity for your budget.

How does the application and lease process work?

Start by browsing our gear and picking the desktop that fits your needs. You can build a complete workstation by adding accessories—like a new monitor or office furniture—right to your cart. When you are ready, simply proceed to checkout and select Checkout with Terrace Finance to begin your application.

Unlike traditional financing, our partners look at the big picture—not just your credit history—to help you qualify. Once approved, you’ll be able to review your specific lease offer, which clearly details your payments, early purchase options, and total cost of ownership. We focus on providing a transparent pathway to ownership, especially for customers who might not qualify for standard financing or credit cards.

Once your agreement is finalized, FinanceMyCart will get your item shipped directly out to you as fast as possible.