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

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!

Original price $2,553.99 - Original price $2,553.99
Original price
$2,553.99
$2,553.99 - $2,553.99
Current price $2,553.99

Acer - Nitro 60 Gaming Desktop - Intel Core i7-14700F - 32GB DDR5 Memory - NVIDIA GeForce RTX 5070 Ti - 2TB SSD - Black

Acer

Windows 11 HomeWindows 11 was designed with you at the center - to make life easier more creative secure connected and fun It's also faster with ne...

View full details
Original price $2,553.99 - Original price $2,553.99
Original price
$2,553.99
$2,553.99 - $2,553.99
Current price $2,553.99
Original price $1,792.99 - Original price $1,792.99
Original price
$1,792.99
$1,792.99 - $1,792.99
Current price $1,792.99

CyberPowerPC - Gaming Desktop - Intel Core i9-14900F - NVIDIA GeForce RTX 5070 12GB - 32GB DDR5 - 1TB PCIe 4.0 SSD - Black

CyberPowerPC

Get a fresh perspective with Windows 11 HomeFrom a rejuvenated Start menu to more ways to connect to your favorite people news games and content Wi...

View full details
Original price $1,792.99 - Original price $1,792.99
Original price
$1,792.99
$1,792.99 - $1,792.99
Current price $1,792.99
Original price $2,102.99 - Original price $2,102.99
Original price
$2,102.99
$2,102.99 - $2,102.99
Current price $2,102.99

CyberPowerPC - Gaming Desktop - AMD Ryzen 7 7800X3D - AMD Radeon RX 9070 XT 16GB - 32GB DDR5 - 2TB PCIe 4.0 SSD - Black

CyberPowerPC

Get a fresh perspective with Windows 11 HomeFrom a rejuvenated Start menu to more ways to connect to your favorite people news games and content Wi...

View full details
Original price $2,102.99 - Original price $2,102.99
Original price
$2,102.99
$2,102.99 - $2,102.99
Current price $2,102.99
Original price $2,072.99 - Original price $2,072.99
Original price
$2,072.99
$2,072.99 - $2,072.99
Current price $2,072.99

Skytech Gaming - KING95 Gaming Desktop PC - AMD Ryzen 7 9700X - 32GB Memory - NVIDIA RTX Geforce 5070 - 2TB NVMe SSD - White

Skytech Gaming

Windows 11 Home 64-bitWindows 11 Home 64-bit has all the power and security of Windows 10 with a redesigned and refreshed look. It also comes with ...

View full details
Original price $2,072.99 - Original price $2,072.99
Original price
$2,072.99
$2,072.99 - $2,072.99
Current price $2,072.99
Original price $3,439.99 - Original price $3,439.99
Original price
$3,439.99
$3,439.99 - $3,439.99
Current price $3,439.99

Alienware - Aurora Gaming Desktop - Intel Core Ultra 9 285K 2024 - 32GB Memory - NVIDIA GeForce RTX 5080 16GB - 2TB Storage - Black

Alienware

Windows 11 HomeWindows 11 has all the power and security of Windows 10 with a redesigned and refreshed look. It also comes with new tools sounds an...

View full details
Original price $3,439.99 - Original price $3,439.99
Original price
$3,439.99
$3,439.99 - $3,439.99
Current price $3,439.99
Original price $1,113.99 - Original price $1,113.99
Original price
$1,113.99
$1,113.99 - $1,113.99
Current price $1,113.99

CyberPowerPC - Gaming Desktop - AMD Ryzen 7 8700F - AMD Radeon RX 7600 8GB - 16GB DDR5 - 1TB PCIe 4.0 SSD - White

CyberPowerPC

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

View full details
Original price $1,113.99 - Original price $1,113.99
Original price
$1,113.99
$1,113.99 - $1,113.99
Current price $1,113.99
Original price $2,694.99 - Original price $2,694.99
Original price
$2,694.99
$2,694.99 - $2,694.99
Current price $2,694.99

CyberPowerPC - Gaming Desktop - Intel Core Ultra 9 285K - NVIDIA GeForce RTX 5070 Ti 16GB - 64GB DDR5 - 2TB PCIe 4.0 SSD - Black

CyberPowerPC

Get a fresh perspective with Windows 11 HomeFrom a rejuvenated Start menu to more ways to connect to your favorite people news games and content Wi...

View full details
Original price $2,694.99 - Original price $2,694.99
Original price
$2,694.99
$2,694.99 - $2,694.99
Current price $2,694.99
Original price $342.99 - Original price $342.99
Original price
$342.99
$342.99 - $342.99
Current price $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...

View full details
Original price $342.99 - Original price $342.99
Original price
$342.99
$342.99 - $342.99
Current price $342.99
Original price $507.99 - Original price $507.99
Original price
$507.99
$507.99 - $507.99
Current price $507.99

ASUS - V500SV Slim Desktop - Intel Core i3-1315U - 8GB Memory - 512GB SSD - Dark Gray

ASUS

Windows 11 Home Ready Day OneFamiliar secure and ready for work or schoolEveryday Speed That Stays SmoothIntel Core i3-1315U (6 cores/8 threads up ...

View full details
Original price $507.99 - Original price $507.99
Original price
$507.99
$507.99 - $507.99
Current price $507.99
Original price $742.99 - Original price $742.99
Original price
$742.99
$742.99 - $742.99
Current price $742.99

Lenovo - IdeaCentre Tower Desktop - Intel Core Ultra 7 Processor 265 - 16GB RAM - 1TB SSD - Luna Grey

Lenovo

Microsoft Windows 11 HomeWindows 11 brings back the Start Menu from Windows 7 and introduces new features like the Edge Web browser that lets you m...

View full details
Original price $742.99 - Original price $742.99
Original price
$742.99
$742.99 - $742.99
Current price $742.99
Original price $948.99 - Original price $948.99
Original price
$948.99
$948.99 - $948.99
Current price $948.99

Lenovo - IdeaCentre Tower Desktop - Copilot+ PC - AMD Ryzen AI 7 350 - 32GB Memory - 1TB - Luna Grey

Lenovo

Copilot+ PCs. A new AI era begins.New AI superpowers. Discover the power of Recall (preview) improved Windows search and Click to Do (preview) on C...

View full details
Original price $948.99 - Original price $948.99
Original price
$948.99
$948.99 - $948.99
Current price $948.99
Original price $562.99 - Original price $562.99
Original price
$562.99
$562.99 - $562.99
Current price $562.99

ASUS - V500SV Slim Desktop - Intel Core i5-13420H - 8GB Memory - 512GB SSD - Dark Gray

ASUS

Windows 11 Home Ready Day OneFamiliar secure and ready for work or schoolEveryday Speed That Stays SmoothIntel Core i5-13420H (8 cores/12 threads u...

View full details
Original price $562.99 - Original price $562.99
Original price
$562.99
$562.99 - $562.99
Current price $562.99
Original price $1,021.99 - Original price $1,021.99
Original price
$1,021.99
$1,021.99 - $1,021.99
Current price $1,021.99

CyberPowerPC - Gaming Desktop - AMD Ryzen 7 8700F - AMD Radeon RX 7700 16GB - 16GB DDR5 - 1TB PCIe 4.0 SSD - Black

CyberPowerPC

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

View full details
Original price $1,021.99 - Original price $1,021.99
Original price
$1,021.99
$1,021.99 - $1,021.99
Current price $1,021.99
Original price $2,498.99 - Original price $2,498.99
Original price
$2,498.99
$2,498.99 - $2,498.99
Current price $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
Original price $2,498.99 - Original price $2,498.99
Original price
$2,498.99
$2,498.99 - $2,498.99
Current price $2,498.99
Original price $3,289.99 - Original price $3,289.99
Original price
$3,289.99
$3,289.99 - $3,289.99
Current price $3,289.99

Apple - Mac Studio - M4 Max - 1TB SSD - Silver

Apple

SUPERCHARGED BY M4 Max—Take on extreme workflows from detailed visual effects and 3D animation to film scoring. The powerful Neural Engine supports...

View full details
Original price $3,289.99 - Original price $3,289.99
Original price
$3,289.99
$3,289.99 - $3,289.99
Current price $3,289.99
Original price $765.99 - Original price $765.99
Original price
$765.99
$765.99 - $765.99
Current price $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
Original price $765.99 - Original price $765.99
Original price
$765.99
$765.99 - $765.99
Current price $765.99
Original price $1,777.99 - Original price $1,777.99
Original price
$1,777.99
$1,777.99 - $1,777.99
Current price $1,777.99

Lenovo - Legion Tower 5i Gaming Desktop - Intel Core Ultra 7 Processor 265F - 32GB RAM - NVIDIA RTX 5060Ti 8GB - 1TB SSD - Eclipse Black

Lenovo

Windows 11 operating systemWindows 11 brings back the Start Menu from Windows 7 and introduces new features like the Edge Web browser that lets you...

View full details
Original price $1,777.99 - Original price $1,777.99
Original price
$1,777.99
$1,777.99 - $1,777.99
Current price $1,777.99
Original price $1,357.99 - Original price $1,357.99
Original price
$1,357.99
$1,357.99 - $1,357.99
Current price $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
Original price $1,357.99 - Original price $1,357.99
Original price
$1,357.99
$1,357.99 - $1,357.99
Current price $1,357.99
Original price $1,122.99 - Original price $1,122.99
Original price
$1,122.99
$1,122.99 - $1,122.99
Current price $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...

View full details
Original price $1,122.99 - Original price $1,122.99
Original price
$1,122.99
$1,122.99 - $1,122.99
Current price $1,122.99
Original price $2,112.99 - Original price $2,112.99
Original price
$2,112.99
$2,112.99 - $2,112.99
Current price $2,112.99

iBUYPOWER - Slate Gaming Desktop PC - AMD Ryzen 7 9800X3D AMD Radeon RX 9070XT 16GB 32GB DDR5 RGB2TB NVMe SSD - Black

iBuyPower

Windows 11 HomeWindows 11 Home has all the power and security of Windows 10 with a redesigned and refreshed look. It comes with new tools sounds an...

View full details
Original price $2,112.99 - Original price $2,112.99
Original price
$2,112.99
$2,112.99 - $2,112.99
Current price $2,112.99
Original price $569.99 - Original price $569.99
Original price
$569.99
$569.99 - $569.99
Current price $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...

View full details
Original price $569.99 - Original price $569.99
Original price
$569.99
$569.99 - $569.99
Current price $569.99
Original price $1,934.99 - Original price $1,934.99
Original price
$1,934.99
$1,934.99 - $1,934.99
Current price $1,934.99

Apple - iMac 24-inch All-in-One - M4 chip - Built for Apple Intelligence - 10 Core CPU - 10 Core GPU - 16GB Memory - 512GB SSD - Blue

Apple

FITS PERFECTLY IN YOUR SPACE—The all-in-one desktop design is strikingly thin comes in seven vibrant colors and elevates any space with style.BUILT...

View full details
Original price $1,934.99 - Original price $1,934.99
Original price
$1,934.99
$1,934.99 - $1,934.99
Current price $1,934.99
Original price $1,907.99 - Original price $1,907.99
Original price
$1,907.99
$1,907.99 - $1,907.99
Current price $1,907.99

CyberPowerPC - Gaming Desktop - Intel Core i7-14700F - NVIDIA GeForce RTX 5070 12GB - 32GB DDR5 - 2TB PCIe 4.0 SSD - Black

CyberPowerPC

Get a fresh perspective with Windows 11 HomeFrom a rejuvenated Start menu to more ways to connect to your favorite people news games and content Wi...

View full details
Original price $1,907.99 - Original price $1,907.99
Original price
$1,907.99
$1,907.99 - $1,907.99
Current price $1,907.99
Original price $1,708.99 - Original price $1,708.99
Original price
$1,708.99
$1,708.99 - $1,708.99
Current price $1,708.99

Apple - iMac 24-inch All-in-One - M4 chip - Built for Apple Intelligence - 10 Core CPU - 10 Core GPU - 16GB Memory - 256GB SSD - Blue

Apple

FITS PERFECTLY IN YOUR SPACE—The all-in-one desktop design is strikingly thin comes in seven vibrant colors and elevates any space with style.BUILT...

View full details
Original price $1,708.99 - Original price $1,708.99
Original price
$1,708.99
$1,708.99 - $1,708.99
Current price $1,708.99
Original price $1,158.99 - Original price $1,158.99
Original price
$1,158.99
$1,158.99 - $1,158.99
Current price $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
Original price $1,158.99 - Original price $1,158.99
Original price
$1,158.99
$1,158.99 - $1,158.99
Current price $1,158.99
Original price $1,665.99 - Original price $1,665.99
Original price
$1,665.99
$1,665.99 - $1,665.99
Current price $1,665.99

Dell - 27" FHD Touch-Screen All-in-One - Intel Core 7 150U - 32GB Memory - 2TB SSD - White

Dell

Impressive VisualsImmerse yourself in vivid visuals on a 99 sRGB FHD IPS display with 100Hz refresh rate and 15001 contrast ratio all on a spacious...

View full details
Original price $1,665.99 - Original price $1,665.99
Original price
$1,665.99
$1,665.99 - $1,665.99
Current price $1,665.99
Original price $895.99 - Original price $895.99
Original price
$895.99
$895.99 - $895.99
Current price $895.99

Dell - Desktop - Intel Core Ultra 5 225 2025 - 16GB Memory - 1TB Storage - Black

Dell

Stylish space-saving designThis compact elegant ECT1250 desktop seamlessly fits into any home or office.Intel Core Ultra (Series 2)With power-effic...

View full details
Original price $895.99 - Original price $895.99
Original price
$895.99
$895.99 - $895.99
Current price $895.99
Original price $2,717.99 - Original price $2,717.99
Original price
$2,717.99
$2,717.99 - $2,717.99
Current price $2,717.99

Alienware - Aurora Gaming Desktop - Intel Core Ultra 9 285 2025 - 32GB Memory - NVIDIA GeForce RTX 5070 12GB - 2TB Storage - Black

Alienware

Legend perfectedACT1250 features modern design with a matte "basalt black" finish in an optimized chassis with customizable AlienFX lighting zones ...

View full details
Original price $2,717.99 - Original price $2,717.99
Original price
$2,717.99
$2,717.99 - $2,717.99
Current price $2,717.99
Original price $1,073.99 - Original price $1,073.99
Original price
$1,073.99
$1,073.99 - $1,073.99
Current price $1,073.99

ASUS - TUF T500 Gaming Desktop - Intel Core i5 13420H - 16GB Memory - NVIDIA GeForce RTX 5060 8GB - 1TB SSD - Eclipse Gray

ASUS

Game with Windows 11 HomeWindows 11 Home brings powerful tools and a streamlined interface designed for high-performance gaming and productivity. W...

View full details
Original price $1,073.99 - Original price $1,073.99
Original price
$1,073.99
$1,073.99 - $1,073.99
Current price $1,073.99
Original price $1,656.99 - Original price $1,656.99
Original price
$1,656.99
$1,656.99 - $1,656.99
Current price $1,656.99

Skytech Gaming - KING95 Gaming Desktop PC - AMD Ryzen 7 9700X - 16GB Memory - NVIDIA GeForce RTX 5060 Ti 16GB - 1TB NVMe SSD - White

Skytech Gaming

Windows 11 Home 64-bitWindows 11 Home 64-bit has all the power and security of Windows 10 with a redesigned and refreshed look. It also comes with ...

View full details
Original price $1,656.99 - Original price $1,656.99
Original price
$1,656.99
$1,656.99 - $1,656.99
Current price $1,656.99
Original price $1,005.99 - Original price $1,005.99
Original price
$1,005.99
$1,005.99 - $1,005.99
Current price $1,005.99

Dell - Slim Desktop - Intel Core Ultra 7 265 2025 - 16GB Memory - 1TB Storage - Black

Dell

Stylish space-saving designOptimize your space with this elegant space-saving ECS1250 desktop.Intel Core Ultra (Series 2)With power-efficient Intel...

View full details
Original price $1,005.99 - Original price $1,005.99
Original price
$1,005.99
$1,005.99 - $1,005.99
Current price $1,005.99
Original price $1,242.99 - Original price $1,242.99
Original price
$1,242.99
$1,242.99 - $1,242.99
Current price $1,242.99

iBUYPOWER - Element Gaming Desktop PC - AMD Ryzen 7 8700F NVIDIA GeForce RTX 5060 8GB 16GB DDR5 RGB1TB NVMe - White

iBuyPower

Windows 11 HomeWindows 11 Home has all the power and security of Windows 10 with a redesigned and refreshed look. It comes with new tools sounds an...

View full details
Original price $1,242.99 - Original price $1,242.99
Original price
$1,242.99
$1,242.99 - $1,242.99
Current price $1,242.99
Original price $1,328.99 - Original price $1,328.99
Original price
$1,328.99
$1,328.99 - $1,328.99
Current price $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
Original price $1,328.99 - Original price $1,328.99
Original price
$1,328.99
$1,328.99 - $1,328.99
Current price $1,328.99
Original price $2,057.99 - Original price $2,057.99
Original price
$2,057.99
$2,057.99 - $2,057.99
Current price $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
Original price $2,057.99 - Original price $2,057.99
Original price
$2,057.99
$2,057.99 - $2,057.99
Current price $2,057.99
Original price $1,382.99 - Original price $1,382.99
Original price
$1,382.99
$1,382.99 - $1,382.99
Current price $1,382.99

iBUYPOWER - Slate Gaming Desktop PC - AMD Ryzen 7 9700X AMD Radeon RX 9060XT 8GB 32GB DDR5 RGB1TB NVMe SSD - Black

iBuyPower

Windows 11 HomeWindows 11 Home has all the power and security of Windows 10 with a redesigned and refreshed look. It comes with new tools sounds an...

View full details
Original price $1,382.99 - Original price $1,382.99
Original price
$1,382.99
$1,382.99 - $1,382.99
Current price $1,382.99
Original price $2,129.99 - Original price $2,129.99
Original price
$2,129.99
$2,129.99 - $2,129.99
Current price $2,129.99

MSI - Aegis Z2 Gaming Desktop - R7-8700F - 32GB Memory - NVIDIA GeForce RTX 5070Ti - 2TB SSD - Black

MSI

Windows 11 Operating SystemEquipped with brand new Windows 11 with all its new featuresAMD R7-8700FThe AMD R7-8700F processor delivers enhanced mul...

View full details
Original price $2,129.99 - Original price $2,129.99
Original price
$2,129.99
$2,129.99 - $2,129.99
Current price $2,129.99

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.