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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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Lenovo - IdeaPad Slim 3 Chromebook Laptop - 14" FHD Touchscreen Laptop - MediaTek Kompanio 520 - 4GB Memory - 64GB eMMC - Abyss Blue
$365.99 - $365.99
$365.99
$365.99 - $365.99
$365.99

Lenovo - IdeaPad Slim 3 Chromebook Laptop - 14" FHD Touchscreen Laptop - MediaTek Kompanio 520 - 4GB Memory - 64GB eMMC - Abyss Blue

Lenovo

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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$365.99 - $365.99
$365.99
$365.99 - $365.99
$365.99
Lenovo - Yoga Book 9i 2-in-1 13.3" 2.8K Dual Screen OLED Touchscreen Laptop - Intel Core Ultra 7 155U with 16GB Memory - 1TB SSD - Tidal Teal
$2,109.99 - $2,109.99
$2,109.99
$2,109.99 - $2,109.99
$2,109.99

Lenovo - Yoga Book 9i 2-in-1 13.3" 2.8K Dual Screen OLED Touchscreen Laptop - Intel Core Ultra 7 155U with 16GB Memory - 1TB SSD - Tidal Teal

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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$2,109.99 - $2,109.99
$2,109.99
$2,109.99 - $2,109.99
$2,109.99
Lenovo ThinkBook 16 G7 ARP - 16" - AMD Ryzen 7 - 7735HS - 16 GB RAM - 512 GB SSD - US
$922.99 - $922.99
$922.99
$922.99 - $922.99
$922.99

Lenovo ThinkBook 16 G7 ARP - 16" - AMD Ryzen 7 - 7735HS - 16 GB RAM - 512 GB SSD - US

Lenovo

Lenovo ThinkBook 16 G7 ARP 21MW - 180-degree hinge design - AMD Ryzen 7 - 7735HS / up to 4.75 GHz - Win 11 Pro - Radeon 680M - 16 GB RAM - 512 GB S...

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$922.99 - $922.99
$922.99
$922.99 - $922.99
$922.99
Lenovo - Duet 11 Chromebook - 11" 2K LCD Touchscreen 2-in-1 Tablet - MediaTek Kompanio 838 - 4GB RAM - 128GB - eMMC with keyboard - Luna Gray
$412.99 - $412.99
$412.99
$412.99 - $412.99
$412.99

Lenovo - Duet 11 Chromebook - 11" 2K LCD Touchscreen 2-in-1 Tablet - MediaTek Kompanio 838 - 4GB RAM - 128GB - eMMC with keyboard - Luna Gray

Lenovo

The ultimate flexUltra-portable at 510g and 7.6mm the Lenovo Chromebook Duet (11" 9) fits any adventure. Explore with a spill-proof chassis and up ...

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$412.99 - $412.99
$412.99
$412.99 - $412.99
$412.99
Lenovo - IdeaPad 1 15.6" (FHD) Laptop - AMD Ryzen 3 - AMD Radeon - 4GB - 128GB SSD - Abyss Blue
$327.99 - $327.99
$327.99
$327.99 - $327.99
$327.99

Lenovo - IdeaPad 1 15.6" (FHD) Laptop - AMD Ryzen 3 - AMD Radeon - 4GB - 128GB SSD - Abyss Blue

Lenovo

Windows 11 Home in S mode operating systemExperience the most secure Windows ever built with fast boot times increased responsiveness and added pro...

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$327.99 - $327.99
$327.99
$327.99 - $327.99
$327.99
Lenovo - IdeaPad Duet 5 Chromebook 2-in1 Laptop - 13.3" FHD Touchscreen - Snapdragon 7cG2 - 8GB - 128GB eMMC - with Keyboard - Abyss Blue
$456.99 - $456.99
$456.99
$456.99 - $456.99
$456.99

Lenovo - IdeaPad Duet 5 Chromebook 2-in1 Laptop - 13.3" FHD Touchscreen - Snapdragon 7cG2 - 8GB - 128GB eMMC - with Keyboard - Abyss Blue

Lenovo

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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$456.99 - $456.99
$456.99
$456.99 - $456.99
$456.99
Lenovo - LOQ 15.6" Gaming Laptop FHD - AMD Ryzen 7 7435HS with 16GB Memory - NVIDIA GeForce RTX 4060 8GB - 512GB SSD - Luna Grey
$1,116.99 - $1,116.99
$1,116.99
$1,116.99 - $1,116.99
$1,116.99

Lenovo - LOQ 15.6" Gaming Laptop FHD - AMD Ryzen 7 7435HS with 16GB Memory - NVIDIA GeForce RTX 4060 8GB - 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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$1,116.99 - $1,116.99
$1,116.99
$1,116.99 - $1,116.99
$1,116.99
Lenovo - Yoga 7 2-in-1 16" 2K Touchscreen Laptop - AMD Ryzen 5 8640HS with 8GB Memory - 512GB SSD - Artic Grey
$905.99 - $905.99
$905.99
$905.99 - $905.99
$905.99

Lenovo - Yoga 7 2-in-1 16" 2K Touchscreen Laptop - AMD Ryzen 5 8640HS with 8GB Memory - 512GB SSD - Artic Grey

Lenovo

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

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$905.99 - $905.99
$905.99
$905.99 - $905.99
$905.99
Lenovo Slim 7 14IMH9 - AI Ready - 14" - Intel Core Ultra 7 - 155H - Evo - 32 GB RAM - 1 TB SSD - US English
$1,248.99 - $1,248.99
$1,248.99
$1,248.99 - $1,248.99
$1,248.99

Lenovo Slim 7 14IMH9 - AI Ready - 14" - Intel Core Ultra 7 - 155H - Evo - 32 GB RAM - 1 TB SSD - US English

Lenovo

Lenovo Slim 7 14IMH9 83D8 - Intel Core Ultra 7 - 155H / up to 4.8 GHz - Evo - Win 11 Pro - Intel Arc Graphics - 32 GB RAM - 1 TB SSD NVMe - 14" OLE...

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$1,248.99 - $1,248.99
$1,248.99
$1,248.99 - $1,248.99
$1,248.99
Lenovo - Yoga Slim 9i - Copilot+ PC - 14" 4K WQUXGA OLED Touchscreen Laptop-Intel Core Ultra 7 Processor - 32GB Memory - 1TB SSD - Tidal Teal
$2,164.99 - $2,164.99
$2,164.99
$2,164.99 - $2,164.99
$2,164.99

Lenovo - Yoga Slim 9i - Copilot+ PC - 14" 4K WQUXGA OLED Touchscreen Laptop-Intel Core Ultra 7 Processor - 32GB Memory - 1TB SSD - Tidal Teal

Lenovo

Windows 11 Home OSYour time is valuable. So don’t waste it doing things the hard way. Windows 11 brings a fresh experience with new ways to get thi...

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$2,164.99 - $2,164.99
$2,164.99
$2,164.99 - $2,164.99
$2,164.99
Lenovo - Yoga 7i 2-in-1 14" - Copilot+ PC - OLED Touchscreen Laptop - Intel Core Ultra 5 Processor - 16GB Memory - 512GB SSD - Luna Grey
$1,185.99 - $1,185.99
$1,185.99
$1,185.99 - $1,185.99
$1,185.99

Lenovo - Yoga 7i 2-in-1 14" - Copilot+ PC - OLED Touchscreen Laptop - Intel Core Ultra 5 Processor - 16GB Memory - 512GB SSD - Luna Grey

Lenovo

Smarter Performance Creative Power with Copilot+ PCsCreate and connect with Copilot+ PCs. Studio Effects enhance video calls Cocreator turns text i...

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$1,185.99 - $1,185.99
$1,185.99
$1,185.99 - $1,185.99
$1,185.99
Lenovo - Legion Pro 7i 16" (WQXGA) Gaming Laptop - Intel Core Ultra 9 275HX - 32GB Memory - NVIDIA GeForce RTX 5080 - 1TB SSD - Eclipse Black
$3,432.99 - $3,432.99
$3,432.99
$3,432.99 - $3,432.99
$3,432.99

Lenovo - Legion Pro 7i 16" (WQXGA) Gaming Laptop - Intel Core Ultra 9 275HX - 32GB Memory - NVIDIA GeForce RTX 5080 - 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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$3,432.99 - $3,432.99
$3,432.99
$3,432.99 - $3,432.99
$3,432.99
Lenovo - Yoga 9i 2-in-1 Aura Edition-Copilot+ PC-14" 2.8K OLED Touchscreen Laptop - Intel Core Ultra 7 Processor - 32GB RAM - 1TB - Cosmic Blue
$1,957.99 - $1,957.99
$1,957.99
$1,957.99 - $1,957.99
$1,957.99

Lenovo - Yoga 9i 2-in-1 Aura Edition-Copilot+ PC-14" 2.8K OLED Touchscreen Laptop - Intel Core Ultra 7 Processor - 32GB RAM - 1TB - Cosmic Blue

Lenovo

Copilot+ PC The Fastest Smartest Windows PCs EverCreate connect and crush your tasks with Copilot+ PCs - the smartest Windows PCs ever. Windows Stu...

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$1,957.99 - $1,957.99
$1,957.99
$1,957.99 - $1,957.99
$1,957.99
Lenovo - ThinkPad E16 Gen 2 16" Laptop - AMD Ryzen 7 with 16GB Memory - 512GB SSD - Black
$924.99 - $924.99
$924.99
$924.99 - $924.99
$924.99

Lenovo - ThinkPad E16 Gen 2 16" Laptop - AMD Ryzen 7 with 16GB Memory - 512GB SSD - Black

Lenovo

Windows 11 ProWindows 11 is designed for hybrid work. Upgrade to Windows 11 Pro for all the features of Windows 11 Home plus tools for business use...

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$924.99 - $924.99
$924.99
$924.99 - $924.99
$924.99
Lenovo - Ideapad 1i 15.6" Full HD Touchscreen Laptop - Intel Core i5-1334U - 16GB Memory - 512GB SSD - Abyss Blue
$705.99 - $705.99
$705.99
$705.99 - $705.99
$705.99

Lenovo - Ideapad 1i 15.6" Full HD Touchscreen Laptop - Intel Core i5-1334U - 16GB Memory - 512GB SSD - Abyss Blue

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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$705.99 - $705.99
$705.99
$705.99 - $705.99
$705.99
Lenovo - IdeaPad Slim 3i 15.6" Full HD Laptop - Intel Core i3-N305 - 8GB Memory - 128GB UFS - Arctic Grey
$451.99 - $451.99
$451.99
$451.99 - $451.99
$451.99

Lenovo - IdeaPad Slim 3i 15.6" Full HD Laptop - Intel Core i3-N305 - 8GB Memory - 128GB UFS - Arctic Grey

Lenovo

Windows 11 Home in S mode operating systemExperience the most secure Windows ever built with fast boot times increased responsiveness and added pro...

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$451.99 - $451.99
$451.99
$451.99 - $451.99
$451.99
Lenovo - IdeaPad 1 15.6" Full HD Touchscreen Laptop - AMD Ryzen 5 7520U - 8GB Memory - 256GB SSD - Abyss Blue
$583.99 - $583.99
$583.99
$583.99 - $583.99
$583.99

Lenovo - IdeaPad 1 15.6" Full HD Touchscreen Laptop - AMD Ryzen 5 7520U - 8GB Memory - 256GB SSD - Abyss Blue

Lenovo

Windows 11 Home in S mode operating systemExperience the most secure Windows ever built with fast boot times increased responsiveness and added pro...

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$583.99 - $583.99
$583.99
$583.99 - $583.99
$583.99
Lenovo - Yoga 7i 2-in-1 - Copilot+ PC - 16" WUXGA LCD Touchscreen Laptop - Intel Core Ultra 5 Processor - 16GB Memory - 512GB SSD - Luna Grey
$1,125.99 - $1,125.99
$1,125.99
$1,125.99 - $1,125.99
$1,125.99

Lenovo - Yoga 7i 2-in-1 - Copilot+ PC - 16" WUXGA LCD Touchscreen Laptop - Intel Core Ultra 5 Processor - 16GB Memory - 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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$1,125.99 - $1,125.99
$1,125.99
$1,125.99 - $1,125.99
$1,125.99
Lenovo - LOQ 15.6" Full HD Gaming Laptop - AMD Ryzen 5 7235HS - 12GB Memory - NVIDIA GeForce RTX 4050 - 512GB SSD - Luna Grey
$901.99 - $901.99
$901.99
$901.99 - $901.99
$901.99

Lenovo - LOQ 15.6" Full HD Gaming Laptop - AMD Ryzen 5 7235HS - 12GB 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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$901.99 - $901.99
$901.99
$901.99 - $901.99
$901.99
Lenovo - Yoga 7 2-in-1 16" 2K Touchscreen Laptop - AMD Ryzen 7 8840HS with 16GB Memory - 1TB SSD - Artic Grey
$1,018.99 - $1,018.99
$1,018.99
$1,018.99 - $1,018.99
$1,018.99

Lenovo - Yoga 7 2-in-1 16" 2K Touchscreen Laptop - AMD Ryzen 7 8840HS with 16GB Memory - 1TB SSD - Artic Grey

Lenovo

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

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$1,018.99 - $1,018.99
$1,018.99
$1,018.99 - $1,018.99
$1,018.99
Lenovo ThinkBook 16 G7 ARP - 16" - AMD Ryzen 5 - 7535HS - 8 GB RAM - 256 GB SSD - US
$740.99 - $740.99
$740.99
$740.99 - $740.99
$740.99

Lenovo ThinkBook 16 G7 ARP - 16" - AMD Ryzen 5 - 7535HS - 8 GB RAM - 256 GB SSD - US

Lenovo

Windows 11 ProWindows 11 is designed for hybrid work. Windows 11 Pro delivers a powerful streamlined user experience that helps you stay focused an...

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$740.99 - $740.99
$740.99
$740.99 - $740.99
$740.99
Lenovo - IdeaPad 5x - Copilot+ PC - 2-in-1 14" (WUXGA) Touchscreen Laptops- Snapdragon X Plus - 16GB - 512GB SSD - Luna Grey
$965.99 - $965.99
$965.99
$965.99 - $965.99
$965.99

Lenovo - IdeaPad 5x - Copilot+ PC - 2-in-1 14" (WUXGA) Touchscreen Laptops- Snapdragon X Plus - 16GB - 512GB SSD - Luna Grey

Lenovo

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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$965.99 - $965.99
$965.99
$965.99 - $965.99
$965.99
Lenovo - Yoga Slim 7x - Copilot+ PC - 14.5" 3K OLED Touch-Screen Laptop - Snapdragon X Elite - 32GB Memory - 1TB SSD - Cosmic Blue
$1,513.99 - $1,513.99
$1,513.99
$1,513.99 - $1,513.99
$1,513.99

Lenovo - Yoga Slim 7x - Copilot+ PC - 14.5" 3K OLED Touch-Screen Laptop - Snapdragon X Elite - 32GB Memory - 1TB SSD - Cosmic Blue

Lenovo

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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$1,513.99 - $1,513.99
$1,513.99
$1,513.99 - $1,513.99
$1,513.99
Lenovo ThinkBook 14 G7 ARP - 14" - AMD Ryzen 5 - 7535HS - 16 GB RAM - 512 GB SSD - US
$824.99 - $824.99
$824.99
$824.99 - $824.99
$824.99

Lenovo ThinkBook 14 G7 ARP - 14" - AMD Ryzen 5 - 7535HS - 16 GB RAM - 512 GB SSD - US

Lenovo

Windows 11 ProWindows 11 is designed for hybrid work. Windows 11 Pro delivers a powerful streamlined user experience that helps you stay focused an...

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$824.99 - $824.99
$824.99
$824.99 - $824.99
$824.99

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.