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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. Whether you need a powerful business laptop, a high-performance gaming laptop, or a lightweight notebook for school and travel, we’ve got top brands like Apple, Dell, HP, 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. No matter your credit history, our financing options make it simple to get the laptop you need today while staying within your budget.

Original price $1,031.99 - Original price $1,031.99
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Dell - G15 15.6" 120Hz Gaming Laptop FHD - Intel 13th Gen Core i7 with 16GB Memory - NVIDIA GeForce RTX 4060 - 1TB SSD - Dark Shadow Gray

Dell

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...

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Original price $1,031.99 - Original price $1,031.99
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Current price $1,031.99
Original price $665.99 - Original price $665.99
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$665.99
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Current price $665.99

Dell - Inspiron 15 15.6" IPS LED FHD Touch Screen Laptop - Intel Core i7 with 16GB Memory - 1TB SSD - Carbon Black

Dell

Looking GoodA thoughtful design that’s finished in a beautiful color.Feeling GoodBuilt-in HD webcam lets you connect with your community anywhere a...

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Original price $665.99 - Original price $665.99
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$665.99
$665.99 - $665.99
Current price $665.99
Original price $670.99 - Original price $670.99
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$670.99
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Current price $670.99

Dell - Inspiron 15.6" Touch Screen Laptop - AMD Ryzen 7 7730U with 16GB Memory - 1TB SSD - Black

Dell

Plenty of Ports Connect all your devices with a variety of portsType With EaseWrite and calculate quickly with roomy keypads separate numeric keypa...

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Original price $670.99 - Original price $670.99
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$670.99
$670.99 - $670.99
Current price $670.99
Original price $636.99 - Original price $636.99
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$636.99
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Current price $636.99

Dell - Inspiron 15" Touch Screen Laptop - Intel Core i5 with 8GB Memory - 512GB SSD - Black

Dell

Plenty of PortsConnect all your devices with a variety of portsType With EaseWrite and calculate quickly with roomy keypads separate numeric keypad...

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Original price $636.99 - Original price $636.99
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$636.99
$636.99 - $636.99
Current price $636.99
Original price $2,066.99 - Original price $2,066.99
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$2,066.99
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Current price $2,066.99

Dell - Latitude 7350 13.3" Laptop - Intel Core Ultra 7 with 16GB Memory - 512 GB SSD - Titan Gray

Dell

Microsoft Windows 11 ProMicrosoft Windows 11 Pro gives you a user-friendly interface with useful features like the taskbar turning into the dock th...

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Original price $2,066.99 - Original price $2,066.99
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Original price $2,107.99 - Original price $2,107.99
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Dell - XPS 13 13.4" OLED Touch Screen Laptop - Snapdragon X Elite Copilot+ PC with 32GB Memory 1TB SSD - Graphite

Dell

Modern sleek interiorPart of the iconic design is around the innovative interiors that are easy-to-use comfortable and streamlined. They simplify t...

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Original price $2,107.99 - Original price $2,107.99
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Original price $757.99 - Original price $757.99
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$757.99
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Current price $757.99

Dell Latitude 3450 (version 2024) - 14" - Intel Core i5 - 1335U - 8 GB RAM - 256 GB SSD

Dell

Dell Latitude 3450 (version 2024) - Intel Core i5 - 1335U / up to 4.6 GHz - Win 11 Pro - Intel Iris Xe Graphics - 8 GB RAM - 256 GB SSD NVMe TLC Cl...

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Original price $757.99 - Original price $757.99
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$757.99
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Current price $757.99
Original price $2,836.99 - Original price $2,836.99
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Current price $2,836.99

Dell - XPS 16 16.3" Touch Screen Laptop UHD+ - Intel Core Series 1 Ultra 9 with 32GB Memory - NVIDIA GeForce RTX 4060 - 1TB SSD - Platinum

Dell

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...

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Original price $2,836.99 - Original price $2,836.99
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$2,836.99
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Current price $2,836.99
Original price $2,310.99 - Original price $2,310.99
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Current price $2,310.99

Dell - XPS 14 14.5 3.2K OLED Touch Screen Laptop Intel Core Ultra 7 with 32GB Memory - 1TB SSD - Platinum

Dell

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...

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Original price $2,310.99 - Original price $2,310.99
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$2,310.99
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Current price $2,310.99
Original price $1,370.99 - Original price $1,370.99
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$1,370.99
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Current price $1,370.99

Dell - XPS 13 13.4 LCD FHD+ Laptop - Intel Core Ultra 7 Copilot+ PC with 16GB Memory 512GB SSD - Graphite

Dell

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 $1,370.99 - Original price $1,370.99
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$1,370.99
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Current price $1,370.99
Original price $2,430.99 - Original price $2,430.99
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$2,430.99
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Current price $2,430.99

Dell - XPS 16 16.3 120Hz Laptop FHD+ - Intel Core Ultra 7 Series 1 with 16GB Memory NVIDIA GeForce RTX 4050 - 1TB SSD - Platinum

Dell

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...

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Original price $2,430.99 - Original price $2,430.99
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$2,430.99
$2,430.99 - $2,430.99
Current price $2,430.99
Original price $1,130.99 - Original price $1,130.99
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$1,130.99
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Current price $1,130.99

Dell - Inspiron 14 Plus 14" QHD Touch Screen Laptop - Snapdragon X Plus Copilot+ PC with 16GB Memory - 512GB SSD - Ice Blue

Dell

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 $1,130.99 - Original price $1,130.99
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$1,130.99
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Original price $3,035.99 - Original price $3,035.99
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$3,035.99
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Current price $3,035.99

Dell - XPS 16 16.3" 120Hz Laptop FHD+ - Intel Core Ultra 9 Series 1 with 32GB Memory - NVIDIA GeForce RTX 4060 - 1TB SSD - Platinum

Dell

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...

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Original price $3,035.99 - Original price $3,035.99
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$3,035.99
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Current price $3,035.99
Original price $5,096.99 - Original price $5,096.99
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Current price $5,096.99

Dell Precision 7680 - 16" - Intel Core i9 - 13950HX - vPro Enterprise - 64 GB RAM - 1 TB SSD - English

Dell

Dell Precision 7680 - Intel Core i9 - 13950HX / up to 5.5 GHz - vPro Enterprise - Win 11 Pro - NVIDIA RTX 3500 Ada - 64 GB RAM - 1 TB SSD NVMe Clas...

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Original price $5,096.99 - Original price $5,096.99
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$5,096.99
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Current price $5,096.99
Original price $1,675.99 - Original price $1,675.99
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$1,675.99
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Current price $1,675.99

Dell - XPS 13.4" OLED Touch Screen Laptop - Snapdragon X Elite Copilot+ PC with 16GB Memory - 512GB SSD - Graphite

Dell

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 $1,675.99 - Original price $1,675.99
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$1,675.99
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Original price $1,129.99 - Original price $1,129.99
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Current price $1,129.99

Dell - Inspiron 2-in-1 14 IPS LED FHD+ Touch Screen Laptop Intel Core 7 with 16GB Memory 1TB SSD - Ice Blue

Dell

Designed for adaptabilityNo matter what adventure you chase the 360 hinge gives you the flexibility to get things done whether in tablet tent stand...

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Original price $1,129.99 - Original price $1,129.99
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Original price $1,658.99 - Original price $1,658.99
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Dell - Inspiron 2-in-1 16 Touch Screen Laptop - Intel Core Ultra 7 with 32GB Memory 1TB SSD - Midnight Blue

Dell

Strong performance to power your projects and creative pursuitsHigh-end processors memory graphics battery life fast connectivity for strong perfor...

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Original price $1,658.99 - Original price $1,658.99
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$1,658.99
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Current price $1,658.99
Original price $849.99 - Original price $849.99
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$849.99
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Current price $849.99

Dell - Inspiron 2-in-1 14 IPS LED FHD+ Touch Screen Laptop Intel Core 5 with 8GB Memory 512GB SSD - Ice Blue

Dell

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...

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Original price $849.99 - Original price $849.99
Original price
$849.99
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Current price $849.99
Original price $745.99 - Original price $745.99
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$745.99
$745.99 - $745.99
Current price $745.99

Dell - Inspiron 14 2-in-1 14" IPS LED FHD Touch Screen Laptop - AMD Ryzen 5 with 8GB Memory - 512GB SSD - Midnight Blue

Dell

Smarter performance with AI PCWith AMD Ryzen AI built-in make video chat experiences even better with AI-empowered Windows Studios Effects and get ...

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Original price $745.99 - Original price $745.99
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$745.99
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Current price $745.99
Original price $1,294.99 - Original price $1,294.99
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Dell - Inspiron 2-in-1 16 IPS LED FHD Touch Screen Laptop - Intel Core Ultra 7 with 16GB Memory - 1TB SSD - Ice Blue

Dell

AI Ready for Creation and EntertainmentWith Intel Core Ultra Processors integrated AI and up to built-in Intel Arc Graphics you're ready for anyth...

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Original price $1,294.99 - Original price $1,294.99
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Current price $1,294.99
Original price $1,070.99 - Original price $1,070.99
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Current price $1,070.99

Dell - Inspiron 14 2-in-1 14" IPS LED Touch Screen Laptop - AMD Ryzen 7 with 16GB Memory - 1TB SSD - Midnight Blue

Dell

Smarter performance with AI PCWith AMD Ryzen AI built-in make video chat experiences even better with AI-empowered Windows Studios Effects and get ...

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Original price $1,070.99 - Original price $1,070.99
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$1,070.99
$1,070.99 - $1,070.99
Current price $1,070.99
Original price $1,378.99 - Original price $1,378.99
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$1,378.99
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Current price $1,378.99

Dell Latitude 3550 (version 2024) - 15.6" - Intel Core i7 - 1355U - 16 GB RAM - 512 GB SSD

Dell

Dell Latitude 3550 (version 2024) - Intel Core i7 - 1355U / up to 5 GHz - Win 11 Pro - Intel Iris Xe Graphics - 16 GB RAM - 512 GB SSD NVMe QLC Cla...

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Original price $1,378.99 - Original price $1,378.99
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Current price $1,378.99
Original price $912.99 - Original price $912.99
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$912.99
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Current price $912.99

Dell Latitude 3550 (version 2024) - 15.6" - Intel Core i5 - 1345U - 8 GB RAM - 256 GB SSD

Dell

Dell Latitude 3550 (version 2024) - Intel Core i5 - 1345U / up to 4.7 GHz - Win 11 Pro - Intel Iris Xe Graphics - 8 GB RAM - 256 GB SSD NVMe TLC Cl...

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Original price $912.99 - Original price $912.99
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$912.99
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Current price $912.99

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.