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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 - Envy 2-in-1 16" 2K Touch-Screen Laptop - Intel Core Ultra 7 - 16GB Memory - 1TB SSD - Glacier Silver
$884.99 - $884.99
$884.99
$884.99 - $884.99
$884.99

HP - Envy 2-in-1 16" 2K 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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$884.99 - $884.99
$884.99
$884.99 - $884.99
$884.99
HP ProBook 440 G11 Notebook - AI Ready - 14" - Intel Core Ultra 7 - 155U - 16 GB RAM - 512 GB SSD - US - with HP Wolf Pro Security Edition (1 year)
$1,426.99 - $1,426.99
$1,426.99
$1,426.99 - $1,426.99
$1,426.99

HP ProBook 440 G11 Notebook - AI Ready - 14" - Intel Core Ultra 7 - 155U - 16 GB RAM - 512 GB SSD - US - with HP Wolf Pro Security Edition (1 year)

HP

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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$1,426.99 - $1,426.99
$1,426.99
$1,426.99 - $1,426.99
$1,426.99
Victus by HP Laptop 15-fa1200nr - 15.6" - Intel Core i5 - 12450H - 8 GB RAM - 512 GB SSD - US
Victus by HP Laptop 15-fa1200nr - 15.6" - Intel Core i5 - 12450H - 8 GB RAM - 512 GB SSD - US
$761.99 - $761.99
$761.99
$761.99 - $761.99
$761.99

Victus by HP Laptop 15-fa1200nr - 15.6" - Intel Core i5 - 12450H - 8 GB RAM - 512 GB SSD - US

HP

Victus by HP Laptop 15-fa1200nr - Intel Core i5 - 12450H / up to 4.4 GHz - Win 11 Home - GF RTX 2050 - 8 GB RAM - 512 GB SSD NVMe TLC - 15.6" IPS 1...

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$761.99 - $761.99
$761.99
$761.99 - $761.99
$761.99
HP - OmniBook Ultra - Copilot+ PC - 14" 2.2K Touch-Screen Laptop - AMD Ryzen AI 9 HX 375 - 32GB Memory - 2TB SSD - Meteor Silver
$1,972.99 - $1,972.99
$1,972.99
$1,972.99 - $1,972.99
$1,972.99

HP - OmniBook Ultra - Copilot+ PC - 14" 2.2K Touch-Screen Laptop - AMD Ryzen AI 9 HX 375 - 32GB Memory - 2TB SSD - Meteor Silver

HP

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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$1,972.99 - $1,972.99
$1,972.99
$1,972.99 - $1,972.99
$1,972.99
HP - Envy 2-in-1 16" 2K Touch-Screen Laptop - Intel Core Ultra 7 - 32GB Memory - 2TB SSD - Glacier Silver
$1,591.99 - $1,591.99
$1,591.99
$1,591.99 - $1,591.99
$1,591.99

HP - Envy 2-in-1 16" 2K Touch-Screen Laptop - Intel Core Ultra 7 - 32GB Memory - 2TB 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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$1,591.99 - $1,591.99
$1,591.99
$1,591.99 - $1,591.99
$1,591.99
HP OMEN - Transcend 14" 120Hz 3K OLED Gaming Laptop - Intel Core Ultra 7-155H - 16GB Memory - NVIDIA GeForce RTX 4060 - 1TB SSD - Shadow Black
$1,860.99 - $1,860.99
$1,860.99
$1,860.99 - $1,860.99
$1,860.99

HP OMEN - Transcend 14" 120Hz 3K OLED Gaming Laptop - Intel Core Ultra 7-155H - 16GB Memory - NVIDIA GeForce RTX 4060 - 1TB SSD - Shadow Black

HP

Go Farther Play Longer Create BetterWith a world-leading lightweight all-metal design state of the art cooling and 71 Wh battery with USB-C Fast Ch...

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$1,860.99 - $1,860.99
$1,860.99
$1,860.99 - $1,860.99
$1,860.99
HP - Envy 2-in-1 14" 2K Touch-Screen Laptop - AMD Ryzen 5 - 16GB Memory - 512GB SSD - Glacier Silver
$1,040.99 - $1,040.99
$1,040.99
$1,040.99 - $1,040.99
$1,040.99

HP - Envy 2-in-1 14" 2K Touch-Screen Laptop - AMD Ryzen 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 ...

View full details
$1,040.99 - $1,040.99
$1,040.99
$1,040.99 - $1,040.99
$1,040.99
HP - Envy 2-in-1 16" 2K Touch-Screen Laptop - AMD Ryzen 5 - 8GB Memory - 512GB SSD - Meteor Silver
$1,000.99 - $1,000.99
$1,000.99
$1,000.99 - $1,000.99
$1,000.99

HP - Envy 2-in-1 16" 2K Touch-Screen Laptop - AMD Ryzen 5 - 8GB Memory - 512GB 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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$1,000.99 - $1,000.99
$1,000.99
$1,000.99 - $1,000.99
$1,000.99
HP - 2-in-1 14" Touch-Screen Chromebook Laptop - Intel Processor N100 - 4GB Memory - 64GB eMMC - Sky Blue
$421.99 - $421.99
$421.99
$421.99 - $421.99
$421.99

HP - 2-in-1 14" Touch-Screen Chromebook Laptop - Intel Processor N100 - 4GB Memory - 64GB eMMC - Sky Blue

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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$421.99 - $421.99
$421.99
$421.99 - $421.99
$421.99
HP - OmniBook X - Copilot+ PC - 14" 2.2K Touch-Screen Laptop - Snapdragon X Plus - 16GB Memory - 512GB SSD - Glacier Silver
$1,019.99 - $1,019.99
$1,019.99
$1,019.99 - $1,019.99
$1,019.99

HP - OmniBook X - Copilot+ PC - 14" 2.2K Touch-Screen Laptop - Snapdragon X Plus - 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 ...

View full details
$1,019.99 - $1,019.99
$1,019.99
$1,019.99 - $1,019.99
$1,019.99
HP - 14" 2-in-1 Full HD Touch-Screen Chromebook Plus Laptop with Google AI - Intel Core i3 - 8GB Memory - 256GB UFS - Meteor Silver
$560.99 - $560.99
$560.99
$560.99 - $560.99
$560.99

HP - 14" 2-in-1 Full HD Touch-Screen Chromebook Plus Laptop with Google AI - Intel Core i3 - 8GB Memory - 256GB UFS - Meteor Silver

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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$560.99 - $560.99
$560.99
$560.99 - $560.99
$560.99
HP - 15.6" Chromebook Laptop - Intel Processor N200 - 8GB Memory - 64GB eMMC - Natural Silver
$484.99 - $484.99
$484.99
$484.99 - $484.99
$484.99

HP - 15.6" Chromebook Laptop - Intel Processor N200 - 8GB Memory - 64GB eMMC - Natural Silver

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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$484.99 - $484.99
$484.99
$484.99 - $484.99
$484.99
HP - 15.6" Touch-Screen Laptop - Intel Core i3 - 8GB Memory - 256GB SSD - Natural Silver
HP - 15.6" Touch-Screen Laptop - Intel Core i3 - 8GB Memory - 256GB SSD - Natural Silver
$558.99 - $558.99
$558.99
$558.99 - $558.99
$558.99

HP - 15.6" Touch-Screen 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
$558.99 - $558.99
$558.99
$558.99 - $558.99
$558.99
HP - OmniBook Ultra Flip - Copilot+ PC - 14" 3K OLED Touch-Screen Laptop - Intel Core Ultra 7 - 16GB Memory - 1TB SSD - Eclipse Gray
$1,863.99 - $1,863.99
$1,863.99
$1,863.99 - $1,863.99
$1,863.99

HP - OmniBook Ultra Flip - Copilot+ PC - 14" 3K OLED Touch-Screen Laptop - Intel Core Ultra 7 - 16GB Memory - 1TB SSD - Eclipse Gray

HP

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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$1,863.99 - $1,863.99
$1,863.99
$1,863.99 - $1,863.99
$1,863.99
HP - Envy 2-in-1 14" 2K Touch-Screen Laptop - AMD Ryzen 7 - 16GB Memory - 1TB SSD - Glacier Silver
$1,225.99 - $1,225.99
$1,225.99
$1,225.99 - $1,225.99
$1,225.99

HP - Envy 2-in-1 14" 2K Touch-Screen Laptop - AMD Ryzen 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 ...

View full details
$1,225.99 - $1,225.99
$1,225.99
$1,225.99 - $1,225.99
$1,225.99
HP OMEN - Transcend 14" 120Hz 3K OLED Gaming Laptop - Intel Core Ultra 9-185H - 32GB Memory - NVIDIA GeForce RTX 4070 - 1TB SSD - Shadow Black
$2,193.99 - $2,193.99
$2,193.99
$2,193.99 - $2,193.99
$2,193.99

HP OMEN - Transcend 14" 120Hz 3K OLED Gaming Laptop - Intel Core Ultra 9-185H - 32GB Memory - NVIDIA GeForce RTX 4070 - 1TB SSD - Shadow Black

HP

Go Farther Play Longer Create BetterWith a world-leading lightweight all-metal design state of the art cooling and 71 Wh battery with USB-C Fast Ch...

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$2,193.99 - $2,193.99
$2,193.99
$2,193.99 - $2,193.99
$2,193.99
HP - OmniBook Ultra - Copilot+ PC - 14" 2.2K Touch-Screen Laptop - AMD Ryzen AI 9 365 - 32GB Memory - 1TB SSD - Meteor Silver
$1,753.99 - $1,753.99
$1,753.99
$1,753.99 - $1,753.99
$1,753.99

HP - OmniBook Ultra - Copilot+ PC - 14" 2.2K Touch-Screen Laptop - AMD Ryzen AI 9 365 - 32GB Memory - 1TB SSD - Meteor Silver

HP

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 ...

View full details
$1,753.99 - $1,753.99
$1,753.99
$1,753.99 - $1,753.99
$1,753.99
HP - Victus 15.6" Full HD 144Hz Gaming Laptop - Intel Core i7 - 16GB Memory - NVIDIA GeForce RTX 4050 - 512GB SSD - Performance Blue
HP - Victus 15.6" Full HD 144Hz Gaming Laptop - Intel Core i7 - 16GB Memory - NVIDIA GeForce RTX 4050 - 512GB SSD - Performance Blue
$1,286.99 - $1,286.99
$1,286.99
$1,286.99 - $1,286.99
$1,286.99

HP - Victus 15.6" Full HD 144Hz Gaming Laptop - Intel Core i7 - 16GB Memory - NVIDIA GeForce RTX 4050 - 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 ...

View full details
$1,286.99 - $1,286.99
$1,286.99
$1,286.99 - $1,286.99
$1,286.99
HP - OmniBook X - Copilot+ PC - 14" 2.2K Touch-Screen Laptop - Snapdragon X Elite - 16GB Memory - 1TB SDD - Meteor Silver
HP - OmniBook X - Copilot+ PC - 14" 2.2K Touch-Screen Laptop - Snapdragon X Elite - 16GB Memory - 1TB SDD - Meteor Silver
$1,344.99 - $1,344.99
$1,344.99
$1,344.99 - $1,344.99
$1,344.99

HP - OmniBook X - Copilot+ PC - 14" 2.2K Touch-Screen Laptop - Snapdragon X Elite - 16GB Memory - 1TB SDD - Meteor Silver

HP

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 ...

View full details
$1,344.99 - $1,344.99
$1,344.99
$1,344.99 - $1,344.99
$1,344.99
HP - 15.6" Full HD Chromebook Plus Laptop with Google AI - Intel Core i3 - 8GB Memory - 128GB UFS - Mineral Silver
$495.99 - $495.99
$495.99
$495.99 - $495.99
$495.99

HP - 15.6" Full HD Chromebook Plus Laptop with Google AI - Intel Core i3 - 8GB Memory - 128GB UFS - Mineral Silver

HP

Runs ChromeOS with Google AIThe fast secure operating system built by Google comes with AI tools to make hard work feel easy. Write like a pro desi...

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$495.99 - $495.99
$495.99
$495.99 - $495.99
$495.99
HP - Envy 2-in-1 14" Full HD Touch-Screen Laptop - Intel Core 5 - 8GB Memory - 512GB SSD - Natural Silver
HP - Envy 2-in-1 14" Full HD Touch-Screen Laptop - Intel Core 5 - 8GB Memory - 512GB SSD - Natural Silver
$888.99 - $888.99
$888.99
$888.99 - $888.99
$888.99

HP - Envy 2-in-1 14" Full HD Touch-Screen Laptop - Intel Core 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
$888.99 - $888.99
$888.99
$888.99 - $888.99
$888.99
HP OMEN - 16.1" 165Hz Full HD Gaming Laptop - Intel Core i7 - 16GB DDR5 Memory - NVIDIA GeForce RTX 4060 - 1TB SSD - Shadow Black
HP OMEN - 16.1" 165Hz Full HD Gaming Laptop - Intel Core i7 - 16GB DDR5 Memory - NVIDIA GeForce RTX 4060 - 1TB SSD - Shadow Black
$1,530.99 - $1,530.99
$1,530.99
$1,530.99 - $1,530.99
$1,530.99

HP OMEN - 16.1" 165Hz Full HD Gaming Laptop - Intel Core i7 - 16GB DDR5 Memory - NVIDIA GeForce RTX 4060 - 1TB SSD - Shadow 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 ...

View full details
$1,530.99 - $1,530.99
$1,530.99
$1,530.99 - $1,530.99
$1,530.99
HP - Spectre 2-in-1 16" 2.8K OLED Touch-Screen Laptop - Intel Core Ultra 7 - 32GB Memory - NVIDIA GeForce RTX 4050 - 1TB SSD - Nightfall Black
HP - Spectre 2-in-1 16" 2.8K OLED Touch-Screen Laptop - Intel Core Ultra 7 - 32GB Memory - NVIDIA GeForce RTX 4050 - 1TB SSD - Nightfall Black
$1,807.99 - $1,807.99
$1,807.99
$1,807.99 - $1,807.99
$1,807.99

HP - Spectre 2-in-1 16" 2.8K OLED Touch-Screen Laptop - Intel Core Ultra 7 - 32GB Memory - NVIDIA GeForce RTX 4050 - 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 ...

View full details
$1,807.99 - $1,807.99
$1,807.99
$1,807.99 - $1,807.99
$1,807.99

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.