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Rent to Own Laptops – Affordable Financing for Work, Gaming & School

Upgrade to the latest laptops with flexible rent-to-own financing from Finance My Cart. Get a MacBook Pro for work, a powerful gaming laptop, from ASUS, or an AI laptop for school. With a network of lenders, we've got a path to ownership for you. Explore the newest laptops from Apple, Acer, ASUS, Lenovo, and more. Enjoy premium features such as touchscreens, AI features, OLED screens, and the newest NVIDIA graphics cards—all with flexible monthly payments and free shipping. Our rent to own laptop options make it simple to get the laptop you need today while staying within your budget.

Check out our laptop buying guide here or read more about rent to own MacBooks here. 

Original price $2,273.99 - Original price $2,273.99
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$2,273.99
$2,273.99 - $2,273.99
Current price $2,273.99

Apple - MacBook Pro 14-inch Laptop - Apple M4 Pro chip Built for Apple Intelligence - 24GB Memory - 512GB SSD - Space Black

Apple

SUPERCHARGED BY M4 PRO OR M4 MAX—The M4 Pro chip blazes through demanding tasks like compiling millions of lines of code. M4 Max can handle the mos...

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Original price $2,273.99 - Original price $2,273.99
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$2,273.99
$2,273.99 - $2,273.99
Current price $2,273.99
Original price $1,670.99 - Original price $1,670.99
Original price
$1,670.99
$1,670.99 - $1,670.99
Current price $1,670.99

Alienware - 16 Aurora - 16" 2.5K Gaming Laptop - Intel Core 7 240H 2024 - 32GB Memory - NVIDIA GeForce RTX 5060 - 1TB Storage - Interstellar Indigo

Alienware

Brilliant displayGo deeper into games with a 16 WQXGA 120Hz display with 300 nits brightness.Game changing graphicsStep into the future of gaming a...

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Original price $1,670.99 - Original price $1,670.99
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$1,670.99
$1,670.99 - $1,670.99
Current price $1,670.99
Original price $1,670.99 - Original price $1,670.99
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$1,670.99
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Current price $1,670.99

14-inch MacBook Pro - Apple M5 chip with 10-core CPU and 10-core GPU - 16GB Memory - 512GB SSD - Silver

Apple

SUPERCHARGED BY M5—Along with its faster CPU and unified memory M5 features a more powerful GPU with a Neural Accelerator built into each core deli...

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Original price $1,670.99 - Original price $1,670.99
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$1,670.99
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Current price $1,670.99
Original price $2,456.99 - Original price $2,456.99
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$2,456.99
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Current price $2,456.99

Apple - MacBook Pro 14-inch Laptop - Apple M4 Pro chip Built for Apple Intelligence - 24GB Memory - 1TB SSD - Space Black

Apple

SUPERCHARGED BY M4 PRO OR M4 MAX—The M4 Pro chip blazes through demanding tasks like compiling millions of lines of code. M4 Max can handle the mos...

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Original price $2,456.99 - Original price $2,456.99
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Current price $2,456.99
Original price $963.99 - Original price $963.99
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$963.99
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Current price $963.99

HP - OmniBook X Flip 2-in-1 - Copilot+ PC - 14" 2K Touch-Screen Laptop - Intel Core Ultra 5 226V - 16GB Memory - 512GB SSD - Atmospheric Blue

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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Original price $963.99 - Original price $963.99
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$963.99
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Original price $974.99 - Original price $974.99
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Current price $974.99

Lenovo - LOQ 15.6" Full HD Gaming Laptop - Intel Core i5-13450HX 2023 - 16GB Memory - NVIDIA GeForce RTX 5050 - 512GB SSD - Luna Grey

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...

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Original price $974.99 - Original price $974.99
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Current price $974.99
Original price $233.99 - Original price $233.99
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$233.99
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Current price $233.99

ASUS - Vivobook Go 14 14" FHD Laptop - Intel Celeron N4500 - 4GB Memory - 128GB eMMC - Star Black

ASUS

Microsoft CopilotMake complex tasks simple. Get answers generate images summarize texts and more Unleash your creativity with the power of intellig...

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Original price $233.99 - Original price $233.99
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Current price $233.99
Original price $2,906.99 - Original price $2,906.99
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Current price $2,906.99

ASUS - ROG Zephyrus G16 16" OLED 2.5K 240Hz Gaming Laptop - Intel Core Ultra 9 - 32GB RAM - NVIDIA RTX 5070 Ti 12GB - 1TB SSD - Eclipse Gray

ASUS

Make gaming and creating easier with Windows 11 HomeGame create and maximize your productivity - Windows 11 Home is the one place for it all. With ...

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Original price $2,906.99 - Original price $2,906.99
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$2,906.99
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Current price $2,906.99
Original price $976.99 - Original price $976.99
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$976.99
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Current price $976.99

Lenovo - LOQ 15.6" Full HD Gaming Laptop - AMD Ryzen 5 7235HS - 16GB Memory - NVIDIA GeForce RTX 4050 - 512GB SSD - Luna Grey

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...

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Original price $976.99 - Original price $976.99
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$976.99
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Current price $976.99
Original price $635.99 - Original price $635.99
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$635.99
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Current price $635.99

Dell - 15.6" 2K Laptop - AMD Ryzen 7 7730U 2023 - 16GB Memory - 1TB Storage - Carbon Black

Dell

Effortlessly chicAlways efficient. Finish your to-do list in no time with AMD Ryzen processors built for everyday computing.Stay connected to what ...

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Original price $635.99 - Original price $635.99
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$635.99
$635.99 - $635.99
Current price $635.99
Original price $2,332.99 - Original price $2,332.99
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Current price $2,332.99

Alienware - 16X Aurora - 16" 2.5K Gaming Laptop - Intel Core Ultra 9 275HX - 32GB Memory - NVIDIA GeForce RTX 5070 - 2TB Storage - Interstellar Indigo

Alienware

Brilliant displayGo deeper into games with a 16 WQXGA 240Hz display with 500 nits brightness on the AC16251.Intelligent processingIntel Core Ultra ...

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Original price $2,332.99 - Original price $2,332.99
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$2,332.99
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Original price $1,848.99 - Original price $1,848.99
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Current price $1,848.99

Lenovo - Legion Pro 5 16" 2.5K OLED Gaming Laptop - AMD Ryzen 7 8745HX 2025 - 32GB RAM - NVIDIA GeForce RTX 5060 - 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...

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Original price $1,848.99 - Original price $1,848.99
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Original price $1,712.99 - Original price $1,712.99
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Current price $1,712.99

Apple - MacBook Pro 14-inch Laptop - Apple M4 chip Built for Apple Intelligence - 16GB Memory - 512GB SSD - Silver

Apple

SUPERCHARGED BY M4—The M4 chip brings spectacular speed and capability to blaze through everyday activities and multitask across multiple productiv...

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Original price $1,712.99 - Original price $1,712.99
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$1,712.99
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Current price $1,712.99
Original price $2,273.99 - Original price $2,273.99
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$2,273.99
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Current price $2,273.99

Apple - MacBook Pro 14-inch Laptop - Apple M4 Pro chip Built for Apple Intelligence - 24GB Memory - 512GB SSD - Silver

Apple

SUPERCHARGED BY M4 PRO OR M4 MAX—The M4 Pro chip blazes through demanding tasks like compiling millions of lines of code. M4 Max can handle the mos...

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Original price $2,273.99 - Original price $2,273.99
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$2,273.99
$2,273.99 - $2,273.99
Current price $2,273.99
Original price $2,988.99 - Original price $2,988.99
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$2,988.99
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Current price $2,988.99

Apple - MacBook Pro 16-inch Laptop - Apple M4 Pro chip Built for Apple Intelligence - 48GB Memory - 512GB SSD - Silver

Apple

SUPERCHARGED BY M4 PRO OR M4 MAX—The M4 Pro chip blazes through demanding tasks like compiling millions of lines of code. M4 Max can handle the mos...

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Original price $2,988.99 - Original price $2,988.99
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Original price $2,177.99 - Original price $2,177.99
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$2,177.99
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Current price $2,177.99

Apple - MacBook Pro 14-inch Laptop - Apple M4 chip Built for Apple Intelligence - 24GB Memory - 1TB SSD - Silver

Apple

SUPERCHARGED BY M4—The M4 chip brings spectacular speed and capability to blaze through everyday activities and multitask across multiple productiv...

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Original price $2,177.99 - Original price $2,177.99
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$2,177.99
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Current price $2,177.99
Original price $611.99 - Original price $611.99
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$611.99
$611.99 - $611.99
Current price $611.99

Acer Chromebook Spin 314 CP314-2HN - 14" - Intel Core i3 - N305 - 8 GB RAM - 128 GB eMMC - US

Acer

Acer Chromebook Spin 314 CP314-2HN - Flip design - Intel Core i3 - N305 / up to 3.8 GHz - Chrome OS - UHD Graphics - 8 GB RAM - 128 GB eMMC - 14" I...

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Original price $611.99 - Original price $611.99
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$611.99
$611.99 - $611.99
Current price $611.99
Original price $1,179.99 - Original price $1,179.99
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$1,179.99
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Current price $1,179.99

HP ProBook 445 G11 Notebook - 14" - AMD Ryzen 7 - 7735U - 16 GB RAM - 512 GB SSD - US - with HP Wolf Pro Security Edition (1 year)

HP

HP ProBook 445 G11 Notebook - AMD Ryzen 7 - 7735U / up to 4.75 GHz - Win 11 Pro - Radeon 680M - 16 GB RAM - 512 GB SSD NVMe - 14" IPS 1920 x 1200 -...

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Original price $1,179.99 - Original price $1,179.99
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$1,179.99
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Current price $1,179.99
Original price $2,682.99 - Original price $2,682.99
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$2,682.99
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Current price $2,682.99

Lenovo - Legion Pro 5i 16" 2.5k OLED Gaming Laptop - Intel Core Ultra 9 275HX 2025 - 32GB RAM - NVIDIA GeForce RTX 5070Ti - 2TB - 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...

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Original price $2,682.99 - Original price $2,682.99
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$2,682.99
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Current price $2,682.99
Original price $1,117.99 - Original price $1,117.99
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$1,117.99
$1,117.99 - $1,117.99
Current price $1,117.99

ASUS - Zenbook A14 14" FHD+ OLED Laptop - Copilot+ PC - Snapdragon X with 32GB RAM - 1TB SSD - Iceland Gray

ASUS

Copilot+ PCs. A New AI Era BeginsTurn your ideas from text prompts into generated artwork. With Recall1 search across time to find the content you ...

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Original price $1,117.99 - Original price $1,117.99
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$1,117.99
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Current price $1,117.99
Original price $818.99 - Original price $818.99
Original price
$818.99
$818.99 - $818.99
Current price $818.99

HP - OmniBook X Flip 2-in-1 16" 2K Touch-Screen Laptop - AMD Ryzen 5 220 2025 - 8GB Memory - 512GB 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...

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Original price $818.99 - Original price $818.99
Original price
$818.99
$818.99 - $818.99
Current price $818.99
Original price $1,507.99 - Original price $1,507.99
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Current price $1,507.99

HP - OmniBook X - Copilot+ PC - 17.3" FHD Touch-Screen Laptop - Intel Core Ultra 7 256V 2024 - 16GB Memory - 1TB SSD - Glacier 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...

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Original price $1,507.99 - Original price $1,507.99
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$1,507.99
$1,507.99 - $1,507.99
Current price $1,507.99
Original price $2,259.99 - Original price $2,259.99
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$2,259.99
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Current price $2,259.99

ASUS - ROG Strix G18 18" 2.5K 240Hz Gaming Laptop - AMD Ryzen 9 HX - 32GB RAM - NVIDIA GeForce RTX 5060 - 1TB SSD - Eclipse Gray

ASUS

Intuitive Windows 11 HomeGame create and connect with family and friends - Windows 11 Home is the place for it all. With a fresh new feel and tools...

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Original price $2,259.99 - Original price $2,259.99
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$2,259.99
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Current price $2,259.99
Original price $1,748.99 - Original price $1,748.99
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Current price $1,748.99

HP - OmniBook X 16" 2K OLED Touch-Screen Laptop - Intel Core Ultra 7 - 32GB DDR5 Memory - NVIDIA GeForce RTX 4050 - 2TB 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...

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Original price $1,748.99 - Original price $1,748.99
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$1,748.99
$1,748.99 - $1,748.99
Current price $1,748.99
Original price $1,642.99 - Original price $1,642.99
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$1,642.99
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Current price $1,642.99

Microsoft - Surface Pro - Copilot+ PC - 13 OLED Touchscreen - Snapdragon X Elite - 16GB Memory - 512GB SSD - Device Only (11th Ed) - Sapphire

Microsoft

Copilot+ PCs. A new AI era beginsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you n...

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Original price $1,642.99 - Original price $1,642.99
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$1,642.99
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Current price $1,642.99
Original price $1,516.99 - Original price $1,516.99
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$1,516.99
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Current price $1,516.99

Samsung - Galaxy Book5 Pro 360 - Copilot+ PC - 16" AMOLED Touch Screen Laptop - Intel Core Ultra 7 - 16GB Memory - 1TB SSD - Gray

Samsung

Copilot+ PCs. A new AI era begins.Turn your ideas from text prompts into generated artwork. With Recall search across time to find the content you ...

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Original price $1,516.99 - Original price $1,516.99
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$1,516.99
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Current price $1,516.99
Original price $704.99 - Original price $704.99
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$704.99
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Current price $704.99

Acer - Aspire Go 15 Laptop 15.6" FHD 1920 x 1080 AMD Ryzen 7 7730U AMD Radeon Graphics - 16GB DDR4 512GB PCIe Gen4 SSD - Pure Silver

Acer

Exceptional Performance and ProductivityExperience smooth and responsive performance powered by an AMD Ryzen 7 7730U processor and 16GB DDR4 memory...

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Original price $704.99 - Original price $704.99
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$704.99
$704.99 - $704.99
Current price $704.99
Original price $1,007.99 - Original price $1,007.99
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$1,007.99
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Current price $1,007.99

HP - Victus 15.6" 144Hz Full HD Gaming Laptop - AMD Ryzen 7 7445HS - 16GB Memory - NVIDIA GeForce RTX 4050 - 512GB SSD - Mica 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...

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Original price $1,007.99 - Original price $1,007.99
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$1,007.99
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Current price $1,007.99
Original price $794.99 - Original price $794.99
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$794.99
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Current price $794.99

HP - 15.6" Full HD Laptop - AMD Ryzen 7 5825U 2022 - 16GB Memory - 1TB SSD - Natural Silver

HP

15.6-in FHD DisplayAlways see your content at its best—displayed in stunning Full HD resolution with 178-degree wide-viewing angles. AMD FreeSync T...

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Original price $794.99 - Original price $794.99
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$794.99
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Current price $794.99
Original price $1,521.99 - Original price $1,521.99
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$1,521.99
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Current price $1,521.99

ASUS - Zenbook S 16 16 3K OLED Touch-Screen Laptop - Copilot+ PC - AMD Ryzen AI 7 350 - 24GB Memory - 1TB SSD - Zumaia Gray

ASUS

Copilot+ PCs. A New AI Era BeginsTurn your ideas from text prompts into generated artwork. With Recall1 search across time to find the content you ...

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Original price $1,521.99 - Original price $1,521.99
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$1,521.99
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Current price $1,521.99
Original price $1,154.99 - Original price $1,154.99
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$1,154.99
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Current price $1,154.99

THNKBK16 G8 IRL INTELCORE5210H16 NON-TOUCH W11PRO64 16.0GB 1X

Lenovo

THNKBK16 G8 IRL INTELCORE5210H16 NON-TOUCH W11PRO64 16.0GB 1X

Original price $1,154.99 - Original price $1,154.99
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Original price $1,293.99 - Original price $1,293.99
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$1,293.99
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Current price $1,293.99

Microsoft - Surface Laptop - Copilot+ PC - 15" Touchscreen - Snapdragon X Elite 2024 - 16GB Memory - 512GB Storage (7th Ed) - Platinum

Microsoft

Copilot+ PCs. A new AI era beginsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you n...

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Original price $1,293.99 - Original price $1,293.99
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$1,293.99
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Current price $1,293.99
Original price $1,811.99 - Original price $1,811.99
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Current price $1,811.99

Microsoft - Surface Laptop - Copilot+ PC - 15" Touchscreen - Snapdragon X Elite 2024 - 32GB Memory - 1TB Storage (7th Ed) - Black

Microsoft

Copilot+ PCs. A new AI era beginsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you n...

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Original price $1,811.99 - Original price $1,811.99
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Original price $1,860.99 - Original price $1,860.99
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Current price $1,860.99

Microsoft - Surface Pro - Copilot+ PC - 13 OLED Touchscreen - Snapdragon X Elite - 16GB Memory - 1TB SSD - Device Only (11th Ed) - Platinum

Microsoft

Copilot+ PCs. A new AI era beginsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you n...

View full details
Original price $1,860.99 - Original price $1,860.99
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$1,860.99
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Current price $1,860.99
Original price $989.99 - Original price $989.99
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$989.99
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Current price $989.99

GIGABYTE - GAMING A16 - 16" 165Hz 1920x1200 WUXGA Intel Core i7-13620H - 512GB SSD - 16GB DDR5 RAM - GeForce RTX 4050 - Black Steel

GIGABYTE

GIGABYTE GiMATE as Your Smart AI MateIntroducing GiMATE your smart AI Mate that transforms how you interact with technology. GiMATE creates an inte...

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Original price $989.99 - Original price $989.99
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$989.99
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Current price $989.99
Original price $909.99 - Original price $909.99
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$909.99
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Current price $909.99

HP - Victus Laptop 15-FA2500NR - Intel Core i5-13420H - 8GB Memory - 512 GB SSD - Mica 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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Original price $909.99 - Original price $909.99
Original price
$909.99
$909.99 - $909.99
Current price $909.99

Rent to Own Laptops – Affordable Financing for Work, Gaming & School

Upgrade to the latest laptops with flexible rent-to-own financing from Finance My Cart. Whether you need a powerful business laptop, a high-performance gaming laptop to play games, or a lightweight notebook for portable computing, we've got top brands like Apple, Dell, ASUS, Lenovo, Acer, Razer, MSI, and more.

Enjoy premium features such as touchscreens, high-speed processors, OLED displays, and next-gen Wi-Fi—all with easy lease-to-own payment plans and fast shipping. Get pre approved today for rent to own services at Finance My Cart and get the perfect laptop for your lifestyle TODAY.

How Terrace Finance Works for Your Laptop Needs

Terrace Finance helps our customers connect to payment solution providers, so you can get the benefits of rent to own for the laptops and computers you need. Many applicants receive easy approval (with no credit needed offers available!)

Apply through any link on our site, and our agents will help finalize your contract for the laptop you choose. Powerful computing and the latest technology is just a few steps away.

Why Choose a Rent-to-Own Laptop Computer?

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

Spread payments over time with flexible monthly payment plans that work within your budget.

Is There a Credit Check?

No! We specialize in providing rent-to-own services with no credit needed offers and easy approval processes. We have laptop and computer financing programs for customers across the lending spectrum.

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 laptop computer.

Can I Pay Off My Laptop Early to Save Money?

Yes! We offer early buyout options and same-as-cash periods that allow you to affordably purchase your laptop before the agreement term is complete, potentially saving you money. Getting a new computer has never been easier - Finance My Cart is here to help you access the things you need with the payment services