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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.

Original price $2,273.99 - Original price $2,273.99
Original price
$2,273.99
$2,273.99 - $2,273.99
Current price $2,273.99

Apple - MacBook Pro 14-inch Apple M4 Pro chip Built for Apple Intelligence - 24GB Memory - 512GB SSD - Space Black

Apple

SUPERCHARGED BY M4 PRO OR M4 MAX—The M4 Pro chip blazes through demanding tasks like compiling millions of lines of code. M4 Max can handle the mos...

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Original price $2,273.99 - Original price $2,273.99
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$2,273.99
$2,273.99 - $2,273.99
Current price $2,273.99
Original price $2,838.99 - Original price $2,838.99
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$2,838.99
$2,838.99 - $2,838.99
Current price $2,838.99

Apple - MacBook Pro 16-inch Apple M4 Pro chip Built for Apple Intelligence - 24GB Memory - 512GB SSD - Space Black

Apple

SUPERCHARGED BY M4 PRO OR M4 MAX—The M4 Pro chip blazes through demanding tasks like compiling millions of lines of code. M4 Max can handle the mos...

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Original price $2,838.99 - Original price $2,838.99
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$2,838.99
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Current price $2,838.99
Original price $1,821.99 - Original price $1,821.99
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$1,821.99
$1,821.99 - $1,821.99
Current price $1,821.99

Apple - MacBook Pro 14-inch Apple M4 chip Built for Apple Intelligence - 16GB Memory - 512GB SSD - Space Black

Apple

SUPERCHARGED BY M4—The M4 chip brings spectacular speed and capability to blaze through everyday activities and multitask across multiple productiv...

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Original price $1,821.99 - Original price $1,821.99
Original price
$1,821.99
$1,821.99 - $1,821.99
Current price $1,821.99
Original price $2,128.99 - Original price $2,128.99
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$2,128.99
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Current price $2,128.99

Apple - MacBook Pro 14" Laptop - M3 Pro chip Built for Apple Intelligence -

Apple

SUPERCHARGED BY M3 PRO OR M3 MAX—The Apple M3 Pro chip with an up to 12-core CPU and up to 18-core GPU using hardware-accelerated ray tracing deliv...

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Original price $2,128.99 - Original price $2,128.99
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$2,128.99
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Current price $2,128.99
Original price $2,555.99 - Original price $2,555.99
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$2,555.99
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Current price $2,555.99

ASUS - ROG Zephyrus G16 16" OLED QHD 240Hz Gaming Laptop - Copilot+ PC - AMD Ryzen AI 9 HX - 32GB RAM - NVIDIA RTX 4070 - 2TB - Platinum White

ASUS

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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Original price $2,555.99 - Original price $2,555.99
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$2,555.99
$2,555.99 - $2,555.99
Current price $2,555.99
Original price $583.99 - Original price $583.99
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$583.99
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Current price $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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Original price $583.99 - Original price $583.99
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$583.99
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Current price $583.99
Original price $365.99 - Original price $365.99
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$365.99
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Current price $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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Original price $365.99 - Original price $365.99
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$365.99
$365.99 - $365.99
Current price $365.99
Original price $930.99 - Original price $930.99
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$930.99
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Current price $930.99

Samsung - Galaxy Book4 15.6" FHD Laptop - Intel Core 7- 16GB Memory - 512GB SSD - Silver

Samsung

Power to elevate your everydayMake the most of every moment with Galaxy Book4 and the latest Intel processor. From daily tasks to downloads to chil...

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Original price $930.99 - Original price $930.99
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$930.99
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Current price $930.99
Original price $253.99 - Original price $253.99
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$253.99
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Current price $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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Original price $253.99 - Original price $253.99
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$253.99
$253.99 - $253.99
Current price $253.99
Original price $2,725.99 - Original price $2,725.99
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$2,725.99
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Current price $2,725.99

Apple - MacBook Pro 14-inch Apple M4 Pro chip Built for Apple Intelligence - 24GB Memory - 1TB SSD - Space Black

Apple

SUPERCHARGED BY M4 PRO OR M4 MAX—The M4 Pro chip blazes through demanding tasks like compiling millions of lines of code. M4 Max can handle the mos...

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Original price $2,725.99 - Original price $2,725.99
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$2,725.99
$2,725.99 - $2,725.99
Current price $2,725.99
Original price $2,863.99 - Original price $2,863.99
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$2,863.99
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Current price $2,863.99

ASUS - ROG Strix 18" QHD 240Hz Gaming Laptop - Intel 14th Gen Core i9 with 32GB Memory - NVIDIA GeForce RTX 4080 - 2TB SSD - Eclipse Gray

ASUS

Windows 11 Operating SystemFamily friends passions music creations games Windows 11 is the one place for it all. With a fresh new feel and tools t...

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Original price $2,863.99 - Original price $2,863.99
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$2,863.99
$2,863.99 - $2,863.99
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Original price $2,109.99 - Original price $2,109.99
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$2,109.99
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Current price $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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Original price $2,109.99 - Original price $2,109.99
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$2,109.99
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Original price $1,031.99 - Original price $1,031.99
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$1,031.99
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Current price $1,031.99

Dell - G15 15.6" 120Hz Gaming Laptop FHD - Intel 13th Gen Core i7 with 16GB Memory - NVIDIA GeForce RTX 4060 - 1TB SSD - Dark Shadow Gray

Dell

Windows 11 HomeWindows 11 has all the power and security of Windows 10 with a redesigned and refreshed look. It also comes with new tools sounds an...

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Original price $1,031.99 - Original price $1,031.99
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Current price $1,031.99
Original price $1,557.99 - Original price $1,557.99
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Current price $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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Original price $1,557.99 - Original price $1,557.99
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$1,557.99
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Current price $1,557.99
Original price $250.99 - Original price $250.99
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$250.99
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Current price $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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Original price $250.99 - Original price $250.99
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$250.99
$250.99 - $250.99
Current price $250.99
Original price $665.99 - Original price $665.99
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Dell - Inspiron 15 15.6" IPS LED FHD Touch Screen Laptop - Intel Core i7 with 16GB Memory - 1TB SSD - Carbon Black

Dell

Looking GoodA thoughtful design that’s finished in a beautiful color.Feeling GoodBuilt-in HD webcam lets you connect with your community anywhere a...

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Original price $665.99 - Original price $665.99
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$665.99
$665.99 - $665.99
Current price $665.99
Original price $1,221.99 - Original price $1,221.99
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Current price $1,221.99

ASUS - TUF Gaming A16 16" 165Hz Gaming Laptop FHD-AMD Ryzen 7 7735HS with 16GB DDR5 Memory- Radeon RX7700S 512GB PCIe SSD - Off Black

ASUS

Windows 11 Operating SystemFamily friends passions music creations games Windows 11 is the one place for it all. With a fresh new feel and tools t...

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Original price $1,221.99 - Original price $1,221.99
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$1,221.99
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Current price $1,221.99
Original price $246.99 - Original price $246.99
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$246.99
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Current price $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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Original price $246.99 - Original price $246.99
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$246.99
$246.99 - $246.99
Current price $246.99
Original price $922.99 - Original price $922.99
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$922.99
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Current price $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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Original price $922.99 - Original price $922.99
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$922.99
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Current price $922.99
Original price $2,047.99 - Original price $2,047.99
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$2,047.99
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Current price $2,047.99

Apple - MacBook Pro 14-inch Apple M4 chip Built for Apple Intelligence - 16GB Memory - 1TB SSD - Silver

Apple

SUPERCHARGED BY M4—The M4 chip brings spectacular speed and capability to blaze through everyday activities and multitask across multiple productiv...

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Original price $2,047.99 - Original price $2,047.99
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$2,047.99
$2,047.99 - $2,047.99
Current price $2,047.99
Original price $412.99 - Original price $412.99
Original price
$412.99
$412.99 - $412.99
Current price $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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Original price $412.99 - Original price $412.99
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$412.99
$412.99 - $412.99
Current price $412.99
Original price $1,484.99 - Original price $1,484.99
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$1,484.99
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Current price $1,484.99

Acer - Predator Helios Neo 16 WUXGA IPS Gaming Laptop- Intel Core i9-14900HX- NVIDIA GeForce RTX 4060-16GB DDR5-1TB SSD - Abyssal Black

Acer

Windows 11 HomeDo more quicker than ever across multiple applications with the centralized generative AI assistance of Copilot in Windows (in previ...

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Original price $1,484.99 - Original price $1,484.99
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$1,484.99
$1,484.99 - $1,484.99
Current price $1,484.99
Original price $327.99 - Original price $327.99
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$327.99
$327.99 - $327.99
Current price $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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Original price $327.99 - Original price $327.99
Original price
$327.99
$327.99 - $327.99
Current price $327.99
Original price $2,273.99 - Original price $2,273.99
Original price
$2,273.99
$2,273.99 - $2,273.99
Current price $2,273.99

Apple - MacBook Pro 14-inch Apple M4 chip Built for Apple Intelligence - 24GB Memory - 1TB SSD - Space Black

Apple

SUPERCHARGED BY M4—The M4 chip brings spectacular speed and capability to blaze through everyday activities and multitask across multiple productiv...

View full details
Original price $2,273.99 - Original price $2,273.99
Original price
$2,273.99
$2,273.99 - $2,273.99
Current price $2,273.99

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.