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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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Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touch-Screen - Snapdragon X Elite 12 Core - 16GB Memory - 512GB SSD (7th Edition) - Black
$1,534.99 - $1,534.99
$1,534.99
$1,534.99 - $1,534.99
$1,534.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touch-Screen - Snapdragon X Elite 12 Core - 16GB Memory - 512GB SSD (7th Edition) - 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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$1,534.99 - $1,534.99
$1,534.99
$1,534.99 - $1,534.99
$1,534.99
Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touch-Screen - Snapdragon X Elite 12 Core - 32GB Memory - 1TB SSD (7th Edition) - Black
$2,185.99 - $2,185.99
$2,185.99
$2,185.99 - $2,185.99
$2,185.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touch-Screen - Snapdragon X Elite 12 Core - 32GB Memory - 1TB SSD (7th Edition) - 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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$2,185.99 - $2,185.99
$2,185.99
$2,185.99 - $2,185.99
$2,185.99
Microsoft - Surface Laptop - Copilot+ PC - 15" Touch-Screen - Snapdragon X Elite 12 Core - 32GB Memory - 1TB SSD (7th Edition) - Black
$2,294.99 - $2,294.99
$2,294.99
$2,294.99 - $2,294.99
$2,294.99

Microsoft - Surface Laptop - Copilot+ PC - 15" Touch-Screen - Snapdragon X Elite 12 Core - 32GB Memory - 1TB SSD (7th Edition) - 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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$2,294.99 - $2,294.99
$2,294.99
$2,294.99 - $2,294.99
$2,294.99
Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touch-Screen - Snapdragon X Plus 10 Core - 16GB Memory - 512GB SSD (7th Edition) - Sapphire
$1,339.99 - $1,339.99
$1,339.99
$1,339.99 - $1,339.99
$1,339.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touch-Screen - Snapdragon X Plus 10 Core - 16GB Memory - 512GB SSD (7th Edition) - 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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$1,339.99 - $1,339.99
$1,339.99
$1,339.99 - $1,339.99
$1,339.99
Microsoft - Surface Pro - Copilot+ PC - 13 OLED - Snapdragon X Elite 12 Core - 16GB Memory - 512GB SSD - Device Only (11th Edition) - Dune
$1,642.99 - $1,642.99
$1,642.99
$1,642.99 - $1,642.99
$1,642.99

Microsoft - Surface Pro - Copilot+ PC - 13 OLED - Snapdragon X Elite 12 Core - 16GB Memory - 512GB SSD - Device Only (11th Edition) - Dune

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
$1,642.99 - $1,642.99
$1,642.99
$1,642.99 - $1,642.99
$1,642.99
Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touch-Screen - Snapdragon X Plus 10 Core - 16GB Memory - 512GB SSD (7th Edition) - Black
$1,339.99 - $1,339.99
$1,339.99
$1,339.99 - $1,339.99
$1,339.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touch-Screen - Snapdragon X Plus 10 Core - 16GB Memory - 512GB SSD (7th Edition) - 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...

View full details
$1,339.99 - $1,339.99
$1,339.99
$1,339.99 - $1,339.99
$1,339.99
Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touch-Screen - Snapdragon X Plus 10 Core - 16GB Memory - 512GB SSD (7th Edition) - Dune
$1,339.99 - $1,339.99
$1,339.99
$1,339.99 - $1,339.99
$1,339.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touch-Screen - Snapdragon X Plus 10 Core - 16GB Memory - 512GB SSD (7th Edition) - Dune

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
$1,339.99 - $1,339.99
$1,339.99
$1,339.99 - $1,339.99
$1,339.99
Microsoft - Surface Laptop - Copilot+ PC - 15" Touch-Screen - Snapdragon X Elite 12 Core - 16GB Memory - 256GB SSD (7th Edition) - Platinum
$1,449.99 - $1,449.99
$1,449.99
$1,449.99 - $1,449.99
$1,449.99

Microsoft - Surface Laptop - Copilot+ PC - 15" Touch-Screen - Snapdragon X Elite 12 Core - 16GB Memory - 256GB SSD (7th Edition) - 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
$1,449.99 - $1,449.99
$1,449.99
$1,449.99 - $1,449.99
$1,449.99
Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touch-Screen - Snapdragon X Plus 10 Core - 16GB Memory - 256GB SSD (7th Edition) - Platinum
$1,127.99 - $1,127.99
$1,127.99
$1,127.99 - $1,127.99
$1,127.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touch-Screen - Snapdragon X Plus 10 Core - 16GB Memory - 256GB SSD (7th Edition) - 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
$1,127.99 - $1,127.99
$1,127.99
$1,127.99 - $1,127.99
$1,127.99
Microsoft - Surface Laptop - Copilot+ PC - 15" Touch-Screen - Snapdragon X Elite - 12 Core - 16GB Memory - 512GB SSD (7th Edition) - Black
$1,642.99 - $1,642.99
$1,642.99
$1,642.99 - $1,642.99
$1,642.99

Microsoft - Surface Laptop - Copilot+ PC - 15" Touch-Screen - Snapdragon X Elite - 12 Core - 16GB Memory - 512GB SSD (7th Edition) - 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...

View full details
$1,642.99 - $1,642.99
$1,642.99
$1,642.99 - $1,642.99
$1,642.99
Microsoft - Surface Pro - Copilot+ PC - 13 OLED - Snapdragon X Elite 12 Core - 16GB Memory - 512GB SSD - Device Only (11th Edition) - Platinum
$1,642.99 - $1,642.99
$1,642.99
$1,642.99 - $1,642.99
$1,642.99

Microsoft - Surface Pro - Copilot+ PC - 13 OLED - Snapdragon X Elite 12 Core - 16GB Memory - 512GB SSD - Device Only (11th Edition) - 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
$1,642.99 - $1,642.99
$1,642.99
$1,642.99 - $1,642.99
$1,642.99
Microsoft - Surface Pro - Copilot+ PC - 13 - Snapdragon X Plus 10 Core - 16GB Memory - 512GB SSD - Device Only (11th Edition) - Dune
$1,339.99 - $1,339.99
$1,339.99
$1,339.99 - $1,339.99
$1,339.99

Microsoft - Surface Pro - Copilot+ PC - 13 - Snapdragon X Plus 10 Core - 16GB Memory - 512GB SSD - Device Only (11th Edition) - Dune

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
$1,339.99 - $1,339.99
$1,339.99
$1,339.99 - $1,339.99
$1,339.99
Microsoft - Surface Pro - Copilot+ PC - 13 OLED - Snapdragon X Elite 12 Core - 16GB Memory - 512GB SSD - Device Only (11th Edition) - Black
$1,642.99 - $1,642.99
$1,642.99
$1,642.99 - $1,642.99
$1,642.99

Microsoft - Surface Pro - Copilot+ PC - 13 OLED - Snapdragon X Elite 12 Core - 16GB Memory - 512GB SSD - Device Only (11th Edition) - 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...

View full details
$1,642.99 - $1,642.99
$1,642.99
$1,642.99 - $1,642.99
$1,642.99
Microsoft - Surface Pro - Copilot+ PC - 13 - Snapdragon X Plus 10 Core - 16GB Memory - 512GB SSD - Device Only (11th Edition) - Sapphire
$1,339.99 - $1,339.99
$1,339.99
$1,339.99 - $1,339.99
$1,339.99

Microsoft - Surface Pro - Copilot+ PC - 13 - Snapdragon X Plus 10 Core - 16GB Memory - 512GB SSD - Device Only (11th Edition) - 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...

View full details
$1,339.99 - $1,339.99
$1,339.99
$1,339.99 - $1,339.99
$1,339.99
Microsoft - Surface Pro - Copilot+ PC - 13 - Snapdragon X Plus 10 Core - 16GB Memory - 512GB SSD - Device Only (11th Edition) - Black
$1,339.99 - $1,339.99
$1,339.99
$1,339.99 - $1,339.99
$1,339.99

Microsoft - Surface Pro - Copilot+ PC - 13 - Snapdragon X Plus 10 Core - 16GB Memory - 512GB SSD - Device Only (11th Edition) - 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...

View full details
$1,339.99 - $1,339.99
$1,339.99
$1,339.99 - $1,339.99
$1,339.99
Microsoft - Surface Pro - Copilot+ PC - 13 OLED - Snapdragon X Elite 12 Core - 16GB Memory - 512GB SSD - Device Only (11th Edition) - Sapphire
$1,528.99 - $1,528.99
$1,528.99
$1,528.99 - $1,528.99
$1,528.99

Microsoft - Surface Pro - Copilot+ PC - 13 OLED - Snapdragon X Elite 12 Core - 16GB Memory - 512GB SSD - Device Only (11th Edition) - 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...

View full details
$1,528.99 - $1,528.99
$1,528.99
$1,528.99 - $1,528.99
$1,528.99
Microsoft - Surface Pro - Copilot+ PC - 13 - Snapdragon X Plus 10 Core - 16GB Memory - 256GB SSD - Device Only (11th Edition) - Platinum
$1,127.99 - $1,127.99
$1,127.99
$1,127.99 - $1,127.99
$1,127.99

Microsoft - Surface Pro - Copilot+ PC - 13 - Snapdragon X Plus 10 Core - 16GB Memory - 256GB SSD - Device Only (11th Edition) - 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
$1,127.99 - $1,127.99
$1,127.99
$1,127.99 - $1,127.99
$1,127.99
Microsoft - Surface Laptop Go 3 - 12.4" Touch-Screen - Intel Core i5 with 8GB Memory - 256GB SSD (Latest Model) - Ice Blue
Microsoft - Surface Laptop Go 3 - 12.4" Touch-Screen - Intel Core i5 with 8GB Memory - 256GB SSD (Latest Model) - Ice Blue
$886.99 - $886.99
$886.99
$886.99 - $886.99
$886.99

Microsoft - Surface Laptop Go 3 - 12.4" Touch-Screen - Intel Core i5 with 8GB Memory - 256GB SSD (Latest Model) - Ice Blue

Microsoft

Accomplish anything with easeHandle whatever the day throws at you wherever you are with faster performance all-day battery life and Windows 11.Vib...

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$886.99 - $886.99
$886.99
$886.99 - $886.99
$886.99
Microsoft - Surface Laptop Studio 2 - 14.4" Touch-Screen - Intel Core i7 with 16GB Memory -GeForce RTX 4050-512GB SSD (Latest Model) - Platinum
$2,619.99 - $2,619.99
$2,619.99
$2,619.99 - $2,619.99
$2,619.99

Microsoft - Surface Laptop Studio 2 - 14.4" Touch-Screen - Intel Core i7 with 16GB Memory -GeForce RTX 4050-512GB SSD (Latest Model) - Platinum

Microsoft

Be more productive in Windows 11Windows 11 is optimized for touch on Surface Laptop Studio 2. Tap drag swipe and pinch like you do on your smartpho...

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$2,619.99 - $2,619.99
$2,619.99
$2,619.99 - $2,619.99
$2,619.99
Microsoft - Surface Laptop Go 3 - 12.4" Touch-Screen - Intel Core i5 with 8GB Memory - 256GB SSD (Latest Model) - Sage
$886.99 - $886.99
$886.99
$886.99 - $886.99
$886.99

Microsoft - Surface Laptop Go 3 - 12.4" Touch-Screen - Intel Core i5 with 8GB Memory - 256GB SSD (Latest Model) - Sage

Microsoft

Accomplish anything with easeHandle whatever the day throws at you wherever you are with faster performance all-day battery life and Windows 11.Vib...

View full details
$886.99 - $886.99
$886.99
$886.99 - $886.99
$886.99
Microsoft - Surface Laptop Go 3 - 12.4" Touch-Screen - Intel Core i5 with 8GB Memory - 256GB SSD (Latest Model) - Sandstone
Microsoft - Surface Laptop Go 3 - 12.4" Touch-Screen - Intel Core i5 with 8GB Memory - 256GB SSD (Latest Model) - Sandstone
$886.99 - $886.99
$886.99
$886.99 - $886.99
$886.99

Microsoft - Surface Laptop Go 3 - 12.4" Touch-Screen - Intel Core i5 with 8GB Memory - 256GB SSD (Latest Model) - Sandstone

Microsoft

Accomplish anything with easeHandle whatever the day throws at you wherever you are with faster performance all-day battery life and Windows 11.Vib...

View full details
$886.99 - $886.99
$886.99
$886.99 - $886.99
$886.99

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.