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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.

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HP - Victus 15.6" Full HD Gaming Laptop - AMD Ryzen 5-7535HS - 8GB DDR5 Memory - AMD Radeon RX 6550M - 512GB SSD - Mica Silver
HP - Victus 15.6" Full HD Gaming Laptop - AMD Ryzen 5-7535HS - 8GB DDR5 Memory - AMD Radeon RX 6550M - 512GB SSD - Mica Silver
$583.99 - $583.99
$583.99
$583.99 - $583.99
$583.99

HP - Victus 15.6" Full HD Gaming Laptop - AMD Ryzen 5-7535HS - 8GB DDR5 Memory - AMD Radeon RX 6550M - 512GB 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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$583.99 - $583.99
$583.99
$583.99 - $583.99
$583.99
HP - 14" Chromebook Laptop - Intel Celeron - 4GB Memory - 64GB eMMC - Modern Gray
HP - 14" Chromebook Laptop - Intel Celeron - 4GB Memory - 64GB eMMC - Modern Gray
$253.99 - $253.99
$253.99
$253.99 - $253.99
$253.99

HP - 14" Chromebook Laptop - Intel Celeron - 4GB Memory - 64GB eMMC - Modern Gray

HP

Runs ChromeOSThe fast secure operating system from Google with built-in Google apps like Gmail Gemini Docs Photos YouTube and more so you can go fr...

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$253.99 - $253.99
$253.99
$253.99 - $253.99
$253.99
HP - Envy 17.3" Full HD Touch-Screen Laptop - Intel Core Ultra 7 - 16GB Memory - 1TB SSD - Glacier Silver
$1,557.99 - $1,557.99
$1,557.99
$1,557.99 - $1,557.99
$1,557.99

HP - Envy 17.3" Full HD Touch-Screen Laptop - Intel Core Ultra 7 - 16GB Memory - 1TB SSD - Glacier 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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$1,557.99 - $1,557.99
$1,557.99
$1,557.99 - $1,557.99
$1,557.99
HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Willow Green
$250.99 - $250.99
$250.99
$250.99 - $250.99
$250.99

HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Willow Green

HP

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

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$250.99 - $250.99
$250.99
$250.99 - $250.99
$250.99
HP - 14" Laptop - Intel Celeron - 4GB Memory - 64GB eMMC - Snowflake White
HP - 14" Laptop - Intel Celeron - 4GB Memory - 64GB eMMC - Snowflake White
$246.99 - $246.99
$246.99
$246.99 - $246.99
$246.99

HP - 14" Laptop - Intel Celeron - 4GB Memory - 64GB eMMC - Snowflake White

HP

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

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$246.99 - $246.99
$246.99
$246.99 - $246.99
$246.99
HP - 15.6" Touch-Screen Laptop - AMD Ryzen 5 - 8GB Memory - 512GB SSD - Natural Silver
HP - 15.6" Touch-Screen Laptop - AMD Ryzen 5 - 8GB Memory - 512GB SSD - Natural Silver
$431.99 - $431.99
$431.99
$431.99 - $431.99
$431.99

HP - 15.6" Touch-Screen Laptop - AMD Ryzen 5 - 8GB Memory - 512GB SSD - Natural Silver

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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$431.99 - $431.99
$431.99
$431.99 - $431.99
$431.99
HP - 17.3" Full HD Laptop - AMD Ryzen 5 - 8GB Memory - 512GB SSD - Natural Silver
$501.99 - $501.99
$501.99
$501.99 - $501.99
$501.99

HP - 17.3" Full HD Laptop - AMD Ryzen 5 - 8GB Memory - 512GB SSD - Natural 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
$501.99 - $501.99
$501.99
$501.99 - $501.99
$501.99
HP - 17.3" HD+ Laptop - Intel Core i3 - 8GB Memory - 256GB SSD - Natural Silver
$612.99 - $612.99
$612.99
$612.99 - $612.99
$612.99

HP - 17.3" HD+ Laptop - Intel Core i3 - 8GB Memory - 256GB SSD - Natural 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
$612.99 - $612.99
$612.99
$612.99 - $612.99
$612.99
HP - 15.6" Laptop - AMD Ryzen 5 - 16GB Memory - 256GB SSD - Natural Silver
$687.99 - $687.99
$687.99
$687.99 - $687.99
$687.99

HP - 15.6" Laptop - AMD Ryzen 5 - 16GB Memory - 256GB SSD - Natural 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
$687.99 - $687.99
$687.99
$687.99 - $687.99
$687.99
HP - Envy 2-in-1 16" 2K Touch-Screen Laptop - Intel Core Ultra 5 - 16GB Memory - 512GB SSD - Glacier Silver
$698.99 - $698.99
$698.99
$698.99 - $698.99
$698.99

HP - Envy 2-in-1 16" 2K Touch-Screen Laptop - Intel Core Ultra 5 - 16GB Memory - 512GB SSD - Glacier 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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$698.99 - $698.99
$698.99
$698.99 - $698.99
$698.99
HP - 15.6" Full HD Touch-Screen Laptop - Intel Core i7 - 16GB Memory - 512GB SSD - Natural Silver
$859.99 - $859.99
$859.99
$859.99 - $859.99
$859.99

HP - 15.6" Full HD Touch-Screen Laptop - Intel Core i7 - 16GB Memory - 512GB SSD - Natural 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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$859.99 - $859.99
$859.99
$859.99 - $859.99
$859.99
HP - Spectre 2-in-1 16" WQXGA Touch-Screen Laptop - Intel Core Ultra 7 - Intel Evo Edition - 16GB Memory - 1TB SSD - Nightfall Black
$1,374.99 - $1,374.99
$1,374.99
$1,374.99 - $1,374.99
$1,374.99

HP - Spectre 2-in-1 16" WQXGA Touch-Screen Laptop - Intel Core Ultra 7 - Intel Evo Edition - 16GB Memory - 1TB SSD - Nightfall 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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$1,374.99 - $1,374.99
$1,374.99
$1,374.99 - $1,374.99
$1,374.99
HP - Envy 2-in-1 14" Full HD Touch-Screen Laptop - Intel Core 7 - 16GB Memory - 512GB SSD - Natural Silver
$1,128.99 - $1,128.99
$1,128.99
$1,128.99 - $1,128.99
$1,128.99

HP - Envy 2-in-1 14" Full HD Touch-Screen Laptop - Intel Core 7 - 16GB Memory - 512GB SSD - Natural 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
$1,128.99 - $1,128.99
$1,128.99
$1,128.99 - $1,128.99
$1,128.99
HP OMEN - MAX 16" 240Hz Gaming Laptop - Intel Core Ultra 9 275HX with 32GB Memory - NVIDIA GeForce RTX 5080 - 1TB SSD - Shadow Black
$3,328.99 - $3,328.99
$3,328.99
$3,328.99 - $3,328.99
$3,328.99

HP OMEN - MAX 16" 240Hz Gaming Laptop - Intel Core Ultra 9 275HX with 32GB Memory - NVIDIA GeForce RTX 5080 - 1TB SSD - Shadow 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...

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$3,328.99 - $3,328.99
$3,328.99
$3,328.99 - $3,328.99
$3,328.99
HP - 14" Chromebook - Intel Celeron - 4GB Memory - 64GB eMMC - Modern Grey
$290.99 - $290.99
$290.99
$290.99 - $290.99
$290.99

HP - 14" Chromebook - Intel Celeron - 4GB Memory - 64GB eMMC - Modern Grey

HP

Chrome OSThis easy-to-use operating system was designed to be fast in every possible way while keeping you safe and more secure on the web.Serious ...

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$290.99 - $290.99
$290.99
$290.99 - $290.99
$290.99
HP - Victus 16.1" Gaming Laptop - AMD Ryzen 7-8845HS - 16GB DDR5 Memory - NVIDIA GeForce RTX 4070 - 512GB SSD - Mica Silver
$1,446.99 - $1,446.99
$1,446.99
$1,446.99 - $1,446.99
$1,446.99

HP - Victus 16.1" Gaming Laptop - AMD Ryzen 7-8845HS - 16GB DDR5 Memory - NVIDIA GeForce RTX 4070 - 512GB 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 ...

View full details
$1,446.99 - $1,446.99
$1,446.99
$1,446.99 - $1,446.99
$1,446.99
HP - Envy 2-in-1 16" 2K Touch-Screen Laptop - AMD Ryzen 7 - 16GB Memory - 1TB SSD - Meteor Silver
$1,296.99 - $1,296.99
$1,296.99
$1,296.99 - $1,296.99
$1,296.99

HP - Envy 2-in-1 16" 2K Touch-Screen Laptop - AMD Ryzen 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 ...

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$1,296.99 - $1,296.99
$1,296.99
$1,296.99 - $1,296.99
$1,296.99
HP - ProBook 465 G11 16" Laptop - AMD Ryzen 5 - 8GB Ram - 256GB SSD - Pike Silver Aluminum
$954.99 - $954.99
$954.99
$954.99 - $954.99
$954.99

HP - ProBook 465 G11 16" Laptop - AMD Ryzen 5 - 8GB Ram - 256GB SSD - Pike Silver Aluminum

HP

16 PB465G11 R57535U 8G 256GBHP SmartBuy ProBook 465 16 inch G11 Notebook PC16" WUXGA LED UWVA 300N Anti-Glare 60Hz (1920 x 1200 1.6 (1610))AMD Ryz...

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$954.99 - $954.99
$954.99
$954.99 - $954.99
$954.99
HP - 15-fd0000 15.6" Laptop - Intel N-Series - 4GB Ram - 128 GB eMMC - Natural Silver
$395.99 - $395.99
$395.99
$395.99 - $395.99
$395.99

HP - 15-fd0000 15.6" Laptop - Intel N-Series - 4GB Ram - 128 GB eMMC - Natural Silver

HP

15" Intel N200 4G 128GB SSIntel Processor N200 Intel UHD Graphics 4GB DDR4 1DM 3200 15.6 HD Antiglare SVA 250 nits Narrow border ultraslim Non-Tou...

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$395.99 - $395.99
$395.99
$395.99 - $395.99
$395.99
HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Sky Blue
$252.99 - $252.99
$252.99
$252.99 - $252.99
$252.99

HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Sky Blue

HP

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

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$252.99 - $252.99
$252.99
$252.99 - $252.99
$252.99
HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Natural Silver
$249.99 - $249.99
$249.99
$249.99 - $249.99
$249.99

HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Natural Silver

HP

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

View full details
$249.99 - $249.99
$249.99
$249.99 - $249.99
$249.99
HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Pale Rose Gold
$250.99 - $250.99
$250.99
$250.99 - $250.99
$250.99

HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Pale Rose Gold

HP

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

View full details
$250.99 - $250.99
$250.99
$250.99 - $250.99
$250.99
HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Honey Lavender
$252.99 - $252.99
$252.99
$252.99 - $252.99
$252.99

HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Honey Lavender

HP

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

View full details
$252.99 - $252.99
$252.99
$252.99 - $252.99
$252.99
HP - Victus 15.6" Full HD 144Hz Gaming Laptop - Intel Core i5 - 8GB Memory - NVIDIA GeForce RTX 3050 - 512GB SSD - Performance Blue
$1,000.99 - $1,000.99
$1,000.99
$1,000.99 - $1,000.99
$1,000.99

HP - Victus 15.6" Full HD 144Hz Gaming Laptop - Intel Core i5 - 8GB Memory - NVIDIA GeForce RTX 3050 - 512GB SSD - Performance Blue

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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$1,000.99 - $1,000.99
$1,000.99
$1,000.99 - $1,000.99
$1,000.99

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.