Desktops

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.