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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 - 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 ...

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$1,753.99 - $1,753.99
$1,753.99
$1,753.99 - $1,753.99
$1,753.99
ASUS - ProArt PX13 13 3K Touch Screen Laptop - Copilot+ PC - AMD Ryzen AI 9 HX 370 - 32GB Memory - RTX 4050 - 1TB SSD - Nano Black
ASUS - ProArt PX13 13 3K Touch Screen Laptop - Copilot+ PC - AMD Ryzen AI 9 HX 370 - 32GB Memory - RTX 4050 - 1TB SSD - Nano Black
$1,892.99 - $1,892.99
$1,892.99
$1,892.99 - $1,892.99
$1,892.99

ASUS - ProArt PX13 13 3K Touch Screen Laptop - Copilot+ PC - AMD Ryzen AI 9 HX 370 - 32GB Memory - RTX 4050 - 1TB SSD - Nano Black

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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$1,892.99 - $1,892.99
$1,892.99
$1,892.99 - $1,892.99
$1,892.99
ASUS - ProArt P16 16" 4K Touch Screen Laptop - Copilot+ PC - AMD Ryzen AI 9 HX 370 - 32GB Memory - RTX 4060 - 1TB SSD - Nano Black
ASUS - ProArt P16 16" 4K Touch Screen Laptop - Copilot+ PC - AMD Ryzen AI 9 HX 370 - 32GB Memory - RTX 4060 - 1TB SSD - Nano Black
$2,117.99 - $2,117.99
$2,117.99
$2,117.99 - $2,117.99
$2,117.99

ASUS - ProArt P16 16" 4K Touch Screen Laptop - Copilot+ PC - AMD Ryzen AI 9 HX 370 - 32GB Memory - RTX 4060 - 1TB SSD - Nano Black

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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$2,117.99 - $2,117.99
$2,117.99
$2,117.99 - $2,117.99
$2,117.99
ASUS - Zenbook S 16 16 3K OLED Touch Screen Laptop - Copilot+ PC - AMD Ryzen AI 9 365 - 24GB Memory - 1TB SSD - Scandinavian White
ASUS - Zenbook S 16 16 3K OLED Touch Screen Laptop - Copilot+ PC - AMD Ryzen AI 9 365 - 24GB Memory - 1TB SSD - Scandinavian White
$1,554.99 - $1,554.99
$1,554.99
$1,554.99 - $1,554.99
$1,554.99

ASUS - Zenbook S 16 16 3K OLED Touch Screen Laptop - Copilot+ PC - AMD Ryzen AI 9 365 - 24GB Memory - 1TB SSD - Scandinavian 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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$1,554.99 - $1,554.99
$1,554.99
$1,554.99 - $1,554.99
$1,554.99
Lenovo - Yoga 9i 2-in-1 14" 4K OLED Touchscreen Laptop with Pen - Intel Core Ultra 7 155H with 32GB Memory - 1TB SSD - Cosmic Blue
$1,835.99 - $1,835.99
$1,835.99
$1,835.99 - $1,835.99
$1,835.99

Lenovo - Yoga 9i 2-in-1 14" 4K OLED Touchscreen Laptop with Pen - Intel Core Ultra 7 155H with 32GB Memory - 1TB SSD - Cosmic 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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$1,835.99 - $1,835.99
$1,835.99
$1,835.99 - $1,835.99
$1,835.99
Lenovo - Yoga 7 2-in-1 14" 2K Touchscreen Laptop - AMD Ryzen 7 8840HS with 16GB Memory - 1 TB SSD - Artic Grey
$1,015.99 - $1,015.99
$1,015.99
$1,015.99 - $1,015.99
$1,015.99

Lenovo - Yoga 7 2-in-1 14" 2K Touchscreen Laptop - AMD Ryzen 7 8840HS with 16GB Memory - 1 TB 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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$1,015.99 - $1,015.99
$1,015.99
$1,015.99 - $1,015.99
$1,015.99
Lenovo - Legion Pro 5i 16" Gaming Laptop WQXGA - Intel 14th Gen Core i9 with 16GB Memory - NVIDIA GeForce RTX 4060 8GB - 1TB SSD - Onyx Grey
$1,684.99 - $1,684.99
$1,684.99
$1,684.99 - $1,684.99
$1,684.99

Lenovo - Legion Pro 5i 16" Gaming Laptop WQXGA - Intel 14th Gen Core i9 with 16GB Memory - NVIDIA GeForce RTX 4060 8GB - 1TB SSD - Onyx 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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$1,684.99 - $1,684.99
$1,684.99
$1,684.99 - $1,684.99
$1,684.99
Lenovo - Legion Pro 5i 16" Gaming Laptop WQXGA - Intel 14th Gen Core i9 with 32GB Memory - NVIDIA GeForce RTX 4070 8GB - 2TB SSD - Onyx Grey
$2,112.99 - $2,112.99
$2,112.99
$2,112.99 - $2,112.99
$2,112.99

Lenovo - Legion Pro 5i 16" Gaming Laptop WQXGA - Intel 14th Gen Core i9 with 32GB Memory - NVIDIA GeForce RTX 4070 8GB - 2TB SSD - Onyx 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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$2,112.99 - $2,112.99
$2,112.99
$2,112.99 - $2,112.99
$2,112.99
MSI - Stealth 16 AI 16" 165Hz FHD+ Ultra Thin Gaming Laptop-Intel Core Ultra9-185H with 32GB Memory-RTX 4070-1TB SSD - Star Blue
MSI - Stealth 16 AI 16" 165Hz FHD+ Ultra Thin Gaming Laptop-Intel Core Ultra9-185H with 32GB Memory-RTX 4070-1TB SSD - Star Blue
$2,217.99 - $2,217.99
$2,217.99
$2,217.99 - $2,217.99
$2,217.99

MSI - Stealth 16 AI 16" 165Hz FHD+ Ultra Thin Gaming Laptop-Intel Core Ultra9-185H with 32GB Memory-RTX 4070-1TB SSD - Star Blue

MSI

SLIMSHARPSTYLISH. Stealth 16 AI Studio is the full evolution for coming era. Born for AI design and performance. A mighty combination for gaming bu...

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$2,217.99 - $2,217.99
$2,217.99
$2,217.99 - $2,217.99
$2,217.99
Lenovo - Yoga Slim 7x - Copilot+ PC - 14.5" 3K OLED Touch-Screen Laptop - Snapdragon X Elite - 16GB Memory - 512GB SSD - Cosmic Blue
$1,352.99 - $1,352.99
$1,352.99
$1,352.99 - $1,352.99
$1,352.99

Lenovo - Yoga Slim 7x - Copilot+ PC - 14.5" 3K OLED Touch-Screen Laptop - Snapdragon X Elite - 16GB Memory - 512GB 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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$1,352.99 - $1,352.99
$1,352.99
$1,352.99 - $1,352.99
$1,352.99
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
Lenovo - Yoga Pro 9i 16" 3.2K Mini LED Touchscreen Laptop - Intel Core Ultra 9 - 32GB Memory - NVIDIA GeForce RTX 4060 - 1TB SSD - Luna Grey
$2,116.99 - $2,116.99
$2,116.99
$2,116.99 - $2,116.99
$2,116.99

Lenovo - Yoga Pro 9i 16" 3.2K Mini LED Touchscreen Laptop - Intel Core Ultra 9 - 32GB Memory - NVIDIA GeForce RTX 4060 - 1TB 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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$2,116.99 - $2,116.99
$2,116.99
$2,116.99 - $2,116.99
$2,116.99
Acer - Predator Helios Neo 16 WQXGA IPS Gaming Laptop- Intel Core i9-14900HX- NVIDIA GeForce RTX 4070-16GB DDR5-1TB SSD - Abyssal Black
Acer - Predator Helios Neo 16 WQXGA IPS Gaming Laptop- Intel Core i9-14900HX- NVIDIA GeForce RTX 4070-16GB DDR5-1TB SSD - Abyssal Black
$1,900.99 - $1,900.99
$1,900.99
$1,900.99 - $1,900.99
$1,900.99

Acer - Predator Helios Neo 16 WQXGA IPS Gaming Laptop- Intel Core i9-14900HX- NVIDIA GeForce RTX 4070-16GB DDR5-1TB SSD - Abyssal Black

Acer

Windows 11 HomeCopilot in Windows (in preview) complements your capabilities and creativity with intelligent assistance and relevant answers.Immers...

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$1,900.99 - $1,900.99
$1,900.99
$1,900.99 - $1,900.99
$1,900.99
Lenovo - Yoga 7i 2-in-1 16" 2K Touchscreen Laptop - Intel Core Ultra 7 155U with 16GB Memory - 1TB SSD - Storm Grey
$1,176.99 - $1,176.99
$1,176.99
$1,176.99 - $1,176.99
$1,176.99

Lenovo - Yoga 7i 2-in-1 16" 2K Touchscreen Laptop - Intel Core Ultra 7 155U with 16GB Memory - 1TB SSD - Storm 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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$1,176.99 - $1,176.99
$1,176.99
$1,176.99 - $1,176.99
$1,176.99
Lenovo - Yoga 7 2-in-1 14" 2K Touchscreen Laptop - AMD Ryzen 5 8640HS with 8GB Memory - 512GB SSD - Artic Grey
$828.99 - $828.99
$828.99
$828.99 - $828.99
$828.99

Lenovo - Yoga 7 2-in-1 14" 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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$828.99 - $828.99
$828.99
$828.99 - $828.99
$828.99
Lenovo - Yoga 7i 2-in-1 14" 2K Touchscreen Laptop - Intel Core Ultra 7 155U with 16GB Memory - 1TB SSD - Storm Grey
$1,174.99 - $1,174.99
$1,174.99
$1,174.99 - $1,174.99
$1,174.99

Lenovo - Yoga 7i 2-in-1 14" 2K Touchscreen Laptop - Intel Core Ultra 7 155U with 16GB Memory - 1TB SSD - Storm 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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$1,174.99 - $1,174.99
$1,174.99
$1,174.99 - $1,174.99
$1,174.99
Lenovo - Yoga 9i 2-in-1 14" 2.8K OLED Touchscreen Laptop with Pen - Intel Core Ultra 7 155H with 16GB Memory - 1TB SSD - Cosmic Blue
$1,234.99 - $1,234.99
$1,234.99
$1,234.99 - $1,234.99
$1,234.99

Lenovo - Yoga 9i 2-in-1 14" 2.8K OLED Touchscreen Laptop with Pen - Intel Core Ultra 7 155H with 16GB Memory - 1TB SSD - Cosmic 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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$1,234.99 - $1,234.99
$1,234.99
$1,234.99 - $1,234.99
$1,234.99
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 ...

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$1,286.99 - $1,286.99
$1,286.99
$1,286.99 - $1,286.99
$1,286.99
MSI - Stealth 14 AI 14" 165Hz FHD+ Ultra Thin Gaming Laptop-Intel Core Ultra7-155H with 16GB Memory-RTX 4060-1TB SSD - Star Blue
MSI - Stealth 14 AI 14" 165Hz FHD+ Ultra Thin Gaming Laptop-Intel Core Ultra7-155H with 16GB Memory-RTX 4060-1TB SSD - Star Blue
$1,692.99 - $1,692.99
$1,692.99
$1,692.99 - $1,692.99
$1,692.99

MSI - Stealth 14 AI 14" 165Hz FHD+ Ultra Thin Gaming Laptop-Intel Core Ultra7-155H with 16GB Memory-RTX 4060-1TB SSD - Star Blue

MSI

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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$1,692.99 - $1,692.99
$1,692.99
$1,692.99 - $1,692.99
$1,692.99
Acer - Chromebook Plus Spin 714 Laptop with Google AI 14" WUXGA Touch - Intel Core Ultra 5 115U 8GB LPDDR5 256GB SSD - Steel Gray
$800.99 - $800.99
$800.99
$800.99 - $800.99
$800.99

Acer - Chromebook Plus Spin 714 Laptop with Google AI 14" WUXGA Touch - Intel Core Ultra 5 115U 8GB LPDDR5 256GB SSD - Steel Gray

Acer

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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$800.99 - $800.99
$800.99
$800.99 - $800.99
$800.99
ASUS - Vivobook Pro 15 OLED Laptop - Intel Core Ultra 9 with 24GB Memory - NVIDIA GeForce RTX 3050 - 2TB SSD - Earl Gray
$1,678.99 - $1,678.99
$1,678.99
$1,678.99 - $1,678.99
$1,678.99

ASUS - Vivobook Pro 15 OLED Laptop - Intel Core Ultra 9 with 24GB Memory - NVIDIA GeForce RTX 3050 - 2TB SSD - Earl Gray

ASUS

The versatile and powerful ASUS Vivobook Pro OLED is designed for those who want to do more ignite creativity or game. The Intel Core Ultra 9 proce...

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$1,678.99 - $1,678.99
$1,678.99
$1,678.99 - $1,678.99
$1,678.99
ASUS - ROG Zephyrus G14 14" OLED 3K 120Hz Gaming Laptop - AMD Ryzen 9 8945HS - 16GB LPDDR5X - NVIDIA GeForce RTX 4060 - 1TB SSD - Platinum White
$1,774.99 - $1,774.99
$1,774.99
$1,774.99 - $1,774.99
$1,774.99

ASUS - ROG Zephyrus G14 14" OLED 3K 120Hz Gaming Laptop - AMD Ryzen 9 8945HS - 16GB LPDDR5X - NVIDIA GeForce RTX 4060 - 1TB SSD - Platinum White

ASUS

Make everyday use easier with Windows 11 Operating SystemGame create and maximize your productivity—Windows 11 is the one place for it all. With a ...

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$1,774.99 - $1,774.99
$1,774.99
$1,774.99 - $1,774.99
$1,774.99
Acer - Chromebook Plus 516 GE Cloud Gaming Laptop with Google AI- 16" 2560x1600 120Hz - Intel Core 5 120U - 8GB RAM - 256GB SSD - Obsidian Black
Acer - Chromebook Plus 516 GE Cloud Gaming Laptop with Google AI- 16" 2560x1600 120Hz - Intel Core 5 120U - 8GB RAM - 256GB SSD - Obsidian Black
$636.99 - $636.99
$636.99
$636.99 - $636.99
$636.99

Acer - Chromebook Plus 516 GE Cloud Gaming Laptop with Google AI- 16" 2560x1600 120Hz - Intel Core 5 120U - 8GB RAM - 256GB SSD - Obsidian Black

Acer

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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$636.99 - $636.99
$636.99
$636.99 - $636.99
$636.99
ASUS - ROG Zephyrus G14 14" OLED 3K 120Hz Gaming Laptop - AMD Ryzen 9 8945HS - 32GB LPDDR5X - NVIDIA GeForce RTX 4070 - 1TB SSD - Platinum White
$2,206.99 - $2,206.99
$2,206.99
$2,206.99 - $2,206.99
$2,206.99

ASUS - ROG Zephyrus G14 14" OLED 3K 120Hz Gaming Laptop - AMD Ryzen 9 8945HS - 32GB LPDDR5X - NVIDIA GeForce RTX 4070 - 1TB SSD - Platinum White

ASUS

Make everyday use easier with the Windows 11 Operating SystemGame create and maximize your productivity—Windows 11 is the one place for it all. Wit...

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$2,206.99 - $2,206.99
$2,206.99
$2,206.99 - $2,206.99
$2,206.99

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.