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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. Get a MacBook Pro for work, a powerful gaming laptop, from ASUS, or an AI laptop for school. With a network of lenders, we've got a path to ownership for you. Explore the newest laptops from Apple, Acer, ASUS, Lenovo, and more. Enjoy premium features such as touchscreens, AI features, OLED screens, and the newest NVIDIA graphics cards—all with flexible monthly payments and free shipping. Our rent to own laptop options make it simple to get the laptop you need today while staying within your budget.

Check out our laptop buying guide here or read more about rent to own MacBooks here. 

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Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Elite 2024 - 16GB Memory - 512GB Storage (7th Ed) - Dune
$1,221.99 - $1,221.99
$1,221.99
$1,221.99 - $1,221.99
$1,221.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Elite 2024 - 16GB Memory - 512GB Storage (7th Ed) - 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...

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$1,221.99 - $1,221.99
$1,221.99
$1,221.99 - $1,221.99
$1,221.99
Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Plus 2024 - 16GB Memory - 512GB Storage (7th Ed) - Sapphire
$1,135.99 - $1,135.99
$1,135.99
$1,135.99 - $1,135.99
$1,135.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Plus 2024 - 16GB Memory - 512GB Storage (7th Ed) - 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
$1,135.99 - $1,135.99
$1,135.99
$1,135.99 - $1,135.99
$1,135.99
Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Elite 2024 - 16GB Memory - 1TB Storage (7th Ed) - Sapphire
$1,394.99 - $1,394.99
$1,394.99
$1,394.99 - $1,394.99
$1,394.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Elite 2024 - 16GB Memory - 1TB Storage (7th Ed) - 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
$1,394.99 - $1,394.99
$1,394.99
$1,394.99 - $1,394.99
$1,394.99
Microsoft - Surface Laptop - Copilot+ PC - 15" Touchscreen - Snapdragon X Elite 2024 - 16GB Memory - 512GB Storage (7th Ed) - Black
$1,366.99 - $1,366.99
$1,366.99
$1,366.99 - $1,366.99
$1,366.99

Microsoft - Surface Laptop - Copilot+ PC - 15" Touchscreen - Snapdragon X Elite 2024 - 16GB Memory - 512GB Storage (7th Ed) - 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
$1,366.99 - $1,366.99
$1,366.99
$1,366.99 - $1,366.99
$1,366.99
Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Plus 2024 - 16GB Memory - 512GB Storage (7th Ed) - Dune
$1,135.99 - $1,135.99
$1,135.99
$1,135.99 - $1,135.99
$1,135.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Plus 2024 - 16GB Memory - 512GB Storage (7th Ed) - 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
$1,135.99 - $1,135.99
$1,135.99
$1,135.99 - $1,135.99
$1,135.99
Microsoft - Surface Pro - Copilot+ PC - 13 OLED Touchscreen - Snapdragon X Elite - 32GB Memory - 1TB SSD - Device Only (11th Ed) - Platinum
$1,811.99 - $1,811.99
$1,811.99
$1,811.99 - $1,811.99
$1,811.99

Microsoft - Surface Pro - Copilot+ PC - 13 OLED Touchscreen - Snapdragon X Elite - 32GB Memory - 1TB SSD - Device Only (11th Ed) - 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
$1,811.99 - $1,811.99
$1,811.99
$1,811.99 - $1,811.99
$1,811.99
Microsoft - Surface Pro - Copilot+ PC - 12" Touchscreen - Snapdragon X Plus - 16GB Memory - 256GB UFS - Device Only - Platinum
$790.99 - $790.99
$790.99
$790.99 - $790.99
$790.99

Microsoft - Surface Pro - Copilot+ PC - 12" Touchscreen - Snapdragon X Plus - 16GB Memory - 256GB UFS - Device Only - Platinum

Microsoft

Copilot+ PC. A new AI era beginsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you ne...

View full details
$790.99 - $790.99
$790.99
$790.99 - $790.99
$790.99
Microsoft - Surface Pro - Copilot+ PC - 12" Touchscreen - Snapdragon X Plus - 16GB Memory - 512GB UFS - Device Only - Platinum
$847.99 - $847.99
$847.99
$847.99 - $847.99
$847.99

Microsoft - Surface Pro - Copilot+ PC - 12" Touchscreen - Snapdragon X Plus - 16GB Memory - 512GB UFS - Device Only - Platinum

Microsoft

Copilot+ PC. A new AI era beginsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you ne...

View full details
$847.99 - $847.99
$847.99
$847.99 - $847.99
$847.99
Microsoft - Surface Pro - Copilot+ PC - 12" Touchscreen - Snapdragon X Plus - 16GB Memory - 512GB UFS - Device Only - Ocean
$847.99 - $847.99
$847.99
$847.99 - $847.99
$847.99

Microsoft - Surface Pro - Copilot+ PC - 12" Touchscreen - Snapdragon X Plus - 16GB Memory - 512GB UFS - Device Only - Ocean

Microsoft

Copilot+ PC. A new AI era beginsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you ne...

View full details
$847.99 - $847.99
$847.99
$847.99 - $847.99
$847.99
Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Elite 2024 - 16GB Memory - 512GB Storage (7th Ed) - Black
$1,221.99 - $1,221.99
$1,221.99
$1,221.99 - $1,221.99
$1,221.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Elite 2024 - 16GB Memory - 512GB Storage (7th Ed) - 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
$1,221.99 - $1,221.99
$1,221.99
$1,221.99 - $1,221.99
$1,221.99
Microsoft - Surface Pro - Copilot+ PC - 13 OLED Touchscreen - Snapdragon X Elite - 16GB Memory - 1TB SSD - Device Only (11th Ed) - Black
$1,526.99 - $1,526.99
$1,526.99
$1,526.99 - $1,526.99
$1,526.99

Microsoft - Surface Pro - Copilot+ PC - 13 OLED Touchscreen - Snapdragon X Elite - 16GB Memory - 1TB SSD - Device Only (11th Ed) - 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
$1,526.99 - $1,526.99
$1,526.99
$1,526.99 - $1,526.99
$1,526.99
Microsoft - Surface Pro - Copilot+ PC - 13 Touchscreen - Snapdragon X Plus - 16GB Memory - 512GB SSD - Device Only (11th Ed) - Dune
$1,135.99 - $1,135.99
$1,135.99
$1,135.99 - $1,135.99
$1,135.99

Microsoft - Surface Pro - Copilot+ PC - 13 Touchscreen - Snapdragon X Plus - 16GB Memory - 512GB SSD - Device Only (11th Ed) - 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
$1,135.99 - $1,135.99
$1,135.99
$1,135.99 - $1,135.99
$1,135.99
Microsoft - Surface Pro - Copilot+ PC - 13 OLED Touchscreen - Snapdragon X Elite - 16GB Memory - 512GB SSD - Device Only (11th Ed) - Dune
$1,322.99 - $1,322.99
$1,322.99
$1,322.99 - $1,322.99
$1,322.99

Microsoft - Surface Pro - Copilot+ PC - 13 OLED Touchscreen - Snapdragon X Elite - 16GB Memory - 512GB SSD - Device Only (11th Ed) - 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
$1,322.99 - $1,322.99
$1,322.99
$1,322.99 - $1,322.99
$1,322.99
Microsoft - Surface Laptop - Copilot+ PC - 15" Touch-Screen - Snapdragon X Elite - 16GB Memory - 256GB SSD (7th Ed) Latest Model - 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 - 16GB Memory - 256GB SSD (7th Ed) Latest Model - 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" Touchscreen - Snapdragon X Elite 2024 - 32GB Memory - 1TB Storage (7th Ed) - Black
$1,710.99 - $1,710.99
$1,710.99
$1,710.99 - $1,710.99
$1,710.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Elite 2024 - 32GB Memory - 1TB Storage (7th Ed) - 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
$1,710.99 - $1,710.99
$1,710.99
$1,710.99 - $1,710.99
$1,710.99
Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Plus 2024 - 16GB Memory - 512GB Storage (7th Ed) - Black
$1,135.99 - $1,135.99
$1,135.99
$1,135.99 - $1,135.99
$1,135.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Plus 2024 - 16GB Memory - 512GB Storage (7th Ed) - 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
$1,135.99 - $1,135.99
$1,135.99
$1,135.99 - $1,135.99
$1,135.99
Microsoft - Surface Pro - Copilot+ PC - 13 OLED Touchscreen - Snapdragon X Elite - 16GB Memory - 512GB SSD - Device Only (11th Ed) - Black
$1,322.99 - $1,322.99
$1,322.99
$1,322.99 - $1,322.99
$1,322.99

Microsoft - Surface Pro - Copilot+ PC - 13 OLED Touchscreen - Snapdragon X Elite - 16GB Memory - 512GB SSD - Device Only (11th Ed) - 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
$1,322.99 - $1,322.99
$1,322.99
$1,322.99 - $1,322.99
$1,322.99
Microsoft - Surface Pro - Copilot+ PC - 13 Touchscreen - Snapdragon X Plus - 16GB Memory - 512GB SSD - Device Only (11th Ed) - Sapphire
$1,135.99 - $1,135.99
$1,135.99
$1,135.99 - $1,135.99
$1,135.99

Microsoft - Surface Pro - Copilot+ PC - 13 Touchscreen - Snapdragon X Plus - 16GB Memory - 512GB SSD - Device Only (11th Ed) - 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
$1,135.99 - $1,135.99
$1,135.99
$1,135.99 - $1,135.99
$1,135.99
Microsoft - Surface Pro - Copilot+ PC - 13 Touchscreen - Snapdragon X Plus - 16GB Memory - 512GB SSD - Device Only (11th Ed) - Black
$1,135.99 - $1,135.99
$1,135.99
$1,135.99 - $1,135.99
$1,135.99

Microsoft - Surface Pro - Copilot+ PC - 13 Touchscreen - Snapdragon X Plus - 16GB Memory - 512GB SSD - Device Only (11th Ed) - 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
$1,135.99 - $1,135.99
$1,135.99
$1,135.99 - $1,135.99
$1,135.99
Microsoft - Surface Pro - Copilot+ PC - 13 OLED Touchscreen - Snapdragon X Elite - 16GB Memory - 512GB SSD - Device Only (11th Ed) - Sapphire
$1,322.99 - $1,322.99
$1,322.99
$1,322.99 - $1,322.99
$1,322.99

Microsoft - Surface Pro - Copilot+ PC - 13 OLED Touchscreen - Snapdragon X Elite - 16GB Memory - 512GB SSD - Device Only (11th Ed) - 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
$1,322.99 - $1,322.99
$1,322.99
$1,322.99 - $1,322.99
$1,322.99
Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Elite 2024 - 16GB Memory - 512GB Storage (7th Ed) - Sapphire
$1,221.99 - $1,221.99
$1,221.99
$1,221.99 - $1,221.99
$1,221.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Elite 2024 - 16GB Memory - 512GB Storage (7th Ed) - 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
$1,221.99 - $1,221.99
$1,221.99
$1,221.99 - $1,221.99
$1,221.99
Microsoft - Surface Pro - Copilot+ PC - 12" -16GB Memory - 256GB UFS - Platinum
$878.99 - $878.99
$878.99
$878.99 - $878.99
$878.99

Microsoft - Surface Pro - Copilot+ PC - 12" -16GB Memory - 256GB UFS - Platinum

Microsoft

Copilot+ PC. A new AI era beginsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you ne...

View full details
$878.99 - $878.99
$878.99
$878.99 - $878.99
$878.99
Microsoft - Surface Pro - Copilot+ PC - 12" Touchscreen - Snapdragon X Plus - 16GB Memory - 512GB UFS - Device Only - Violet
$847.99 - $847.99
$847.99
$847.99 - $847.99
$847.99

Microsoft - Surface Pro - Copilot+ PC - 12" Touchscreen - Snapdragon X Plus - 16GB Memory - 512GB UFS - Device Only - Violet

Microsoft

Copilot+ PC. A new AI era beginsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you ne...

View full details
$847.99 - $847.99
$847.99
$847.99 - $847.99
$847.99
Microsoft - Surface Laptop - Copilot+ PC - 13" Touchscreen - Snapdragon X Plus 2025 - 16GB - 512GB Storage - Ocean
$953.99 - $953.99
$953.99
$953.99 - $953.99
$953.99

Microsoft - Surface Laptop - Copilot+ PC - 13" Touchscreen - Snapdragon X Plus 2025 - 16GB - 512GB Storage - Ocean

Microsoft

Copilot+ PC. A new AI era beginsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you ne...

View full details
$953.99 - $953.99
$953.99
$953.99 - $953.99
$953.99
Microsoft - Surface Laptop - Copilot+ PC - 13" Touchscreen - Snapdragon X Plus 2025 - 16GB - 512GB Storage - Platinum
$953.99 - $953.99
$953.99
$953.99 - $953.99
$953.99

Microsoft - Surface Laptop - Copilot+ PC - 13" Touchscreen - Snapdragon X Plus 2025 - 16GB - 512GB Storage - Platinum

Microsoft

Copilot+ PC. A new AI era beginsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you ne...

View full details
$953.99 - $953.99
$953.99
$953.99 - $953.99
$953.99
Microsoft - Surface Laptop - Copilot+ PC - 13" Touchscreen - Snapdragon X Plus 2025 - 16GB - 512GB Storage - Violet
$953.99 - $953.99
$953.99
$953.99 - $953.99
$953.99

Microsoft - Surface Laptop - Copilot+ PC - 13" Touchscreen - Snapdragon X Plus 2025 - 16GB - 512GB Storage - Violet

Microsoft

Copilot+ PC. A new AI era beginsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you ne...

View full details
$953.99 - $953.99
$953.99
$953.99 - $953.99
$953.99
Microsoft - Surface Laptop - Copilot+ PC - 13" Touchscreen - Snapdragon X Plus 2025 - 16GB - 256B Storage - Platinum
$898.99 - $898.99
$898.99
$898.99 - $898.99
$898.99

Microsoft - Surface Laptop - Copilot+ PC - 13" Touchscreen - Snapdragon X Plus 2025 - 16GB - 256B Storage - Platinum

Microsoft

Copilot+ PC. A new AI era beginsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you ne...

View full details
$898.99 - $898.99
$898.99
$898.99 - $898.99
$898.99
Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Elite 2024 - 16GB Memory - 1TB Storage (7th Ed) - Platinum
$1,394.99 - $1,394.99
$1,394.99
$1,394.99 - $1,394.99
$1,394.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Elite 2024 - 16GB Memory - 1TB Storage (7th Ed) - 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
$1,394.99 - $1,394.99
$1,394.99
$1,394.99 - $1,394.99
$1,394.99
Microsoft - Surface Pro - Copilot+ PC - 12 - Snapdragon X Plus 8 Core - 16GB RAM - 256GB UFS - Device + Keyboard Bundle - Platinum
$808.99 - $808.99
$808.99
$808.99 - $808.99
$808.99

Microsoft - Surface Pro - Copilot+ PC - 12 - Snapdragon X Plus 8 Core - 16GB RAM - 256GB UFS - Device + Keyboard Bundle - Platinum

Microsoft

Copilot+ PC. A new AI era beginsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you ne...

View full details
$808.99 - $808.99
$808.99
$808.99 - $808.99
$808.99
Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Plus 2024 - 32GB Memory - 1TB Storage (7th Ed) - Black
$1,348.99 - $1,348.99
$1,348.99
$1,348.99 - $1,348.99
$1,348.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Plus 2024 - 32GB Memory - 1TB Storage (7th Ed) - 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
$1,348.99 - $1,348.99
$1,348.99
$1,348.99 - $1,348.99
$1,348.99

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 to play games, or a lightweight notebook for portable computing, we've got top brands like Apple, Dell, 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. Get pre approved today for rent to own services at Finance My Cart and get the perfect laptop for your lifestyle TODAY.

How Terrace Finance Works for Your Laptop Needs

Terrace Finance helps our customers connect to payment solution providers, so you can get the benefits of rent to own for the laptops and computers you need. Many applicants receive easy approval (with no credit needed offers available!)

Apply through any link on our site, and our agents will help finalize your contract for the laptop you choose. Powerful computing and the latest technology is just a few steps away.

Why Choose a Rent-to-Own Laptop Computer?

Get the perfect laptop now without applying for a credit card or waiting and saving. Renting to own or leasing to own gives you another way to pay for the laptop you need without having to wait and save.

Spread payments over time with flexible monthly payment plans that work within your budget.

Is There a Credit Check?

No! We specialize in providing rent-to-own services with no credit needed offers and easy approval processes. We have laptop and computer financing programs for customers across the lending spectrum.

Applying won't hurt your score, our lenders utilize a soft credit check. Applying only takes a few minutes and you could be approved for up to $5000 in purchasing power for a new laptop computer.

Can I Pay Off My Laptop Early to Save Money?

Yes! We offer early buyout options and same-as-cash periods that allow you to affordably purchase your laptop before the agreement term is complete, potentially saving you money. Getting a new computer has never been easier - Finance My Cart is here to help you access the things you need with the payment services