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Rent-to-own Laptops

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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Dell - Plus - 14" 2K 2-in-1 Touchscreen Laptop - Intel Core Ultra 7 256V 2024 - 16GB Memory - 1TB Storage - Copilot+ PC - Ice Blue

Dell
Original price $1,268.99 - Original price $1,268.99
Original price
$1,268.99
$1,268.99 - $1,268.99
Current price $1,268.99

Stunning function in every modeExperience seamless productivity in any mode with the DB04250 design that maximises performance and portability ensu...

View full details
Original price $1,268.99 - Original price $1,268.99
Original price
$1,268.99
$1,268.99 - $1,268.99
Current price $1,268.99

Acer - Swift 16 AI - Copilot+ PC - 16" 3K OLED Touchscreen Laptop - Intel Core Ultra X7 358H - 16GB Memory - 1TB Storage - Basalt Gray

Acer
Original price $1,727.99 - Original price $1,727.99
Original price
$1,727.99
$1,727.99 - $1,727.99
Current price $1,727.99

Windows 11 Operating SystemWith intuitive navigation faster performance and stronger security Windows 11 is designed to elevate how you work and cr...

View full details
Original price $1,727.99 - Original price $1,727.99
Original price
$1,727.99
$1,727.99 - $1,727.99
Current price $1,727.99

Acer - Swift Go 16 AI - Copilot+ PC - 16" WUXGA Touchscreen Laptop - AMD Ryzen AI 7 445 - 16GB Memory 1TB Storage - Obsidian Black

Acer
Original price $1,295.99 - Original price $1,295.99
Original price
$1,295.99
$1,295.99 - $1,295.99
Current price $1,295.99

Windows 11 Operating SystemWith intuitive navigation faster performance and stronger security Windows 11 is designed to elevate how you work and cr...

View full details
Original price $1,295.99 - Original price $1,295.99
Original price
$1,295.99
$1,295.99 - $1,295.99
Current price $1,295.99

HP - OmniBook X Flip 2-in-1 - Copilot+ - 16" 3K OLED Touchscreen Laptop - Intel Core Ultra 9 (2026) - 32GB Memory - 1TB SSD - Eclipse Gray

HP
Original price $2,487.99 - Original price $2,487.99
Original price
$2,487.99
$2,487.99 - $2,487.99
Current price $2,487.99

16-in 3K OLED touchscreen with up to 120 HzWith technology that lights each pixel separately this OLED display brings deeper blacks for richer cont...

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Original price $2,487.99 - Original price $2,487.99
Original price
$2,487.99
$2,487.99 - $2,487.99
Current price $2,487.99

HP - OmniBook X Flip 2-in-1 - Copilot+ - 16" 2K OLED Touchscreen Laptop - AMD Ryzen AI 5 430 (2026) - 16GB Memory - 512GB SSD - Meteor Silver

HP
Original price $1,454.99 - Original price $1,454.99
Original price
$1,454.99
$1,454.99 - $1,454.99
Current price $1,454.99

16" 2K touchscreen with IPSIntuitive touchscreen technology lets you control your PC right from the screen. And transform your content with 1920 x ...

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Original price $1,454.99 - Original price $1,454.99
Original price
$1,454.99
$1,454.99 - $1,454.99
Current price $1,454.99

HP - OmniBook X Flip 2-in-1 - Copilot+ - 16" 2K OLED Touchscreen Laptop - Intel Core Ultra 7 (2026) - 16GB Memory - 1TB SSD - Eclipse Gray

HP
Original price $1,673.99 - Original price $1,673.99
Original price
$1,673.99
$1,673.99 - $1,673.99
Current price $1,673.99

16" 2K OLED touchscreenExperience rich colors and crisp visuals for your everyday productivity with an OLED touch display 1920 x 1200 resolution an...

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Original price $1,673.99 - Original price $1,673.99
Original price
$1,673.99
$1,673.99 - $1,673.99
Current price $1,673.99

HP - OmniBook X - 16" 2K OLED Touchscreen Laptop - Snapdragon X Plus (2025) - 16GB Memory - 512GB SSD - Copilot+ PC - Deep Espresso

HP
Original price $1,310.99 - Original price $1,310.99
Original price
$1,310.99
$1,310.99 - $1,310.99
Current price $1,310.99

16" 2K OLED touchscreenExperience rich colors and crisp visuals for your everyday productivity with an OLED touch display 1920x1200 resolution and ...

View full details
Original price $1,310.99 - Original price $1,310.99
Original price
$1,310.99
$1,310.99 - $1,310.99
Current price $1,310.99

HP - OmniBook X Flip 2-in-1 - 16" 2K OLED Touchscreen Laptop - Intel Core Ultra 5 (2026) - 16GB Memory - 512GB SSD - Copilot+ - Eclipse Gray

HP
Original price $1,250.99 - Original price $1,250.99
Original price
$1,250.99
$1,250.99 - $1,250.99
Current price $1,250.99

16" 2K OLED touchscreenExperience rich colors and crisp visuals for your everyday productivity with an OLED touch display 1920 x 1200 resolution an...

View full details
Original price $1,250.99 - Original price $1,250.99
Original price
$1,250.99
$1,250.99 - $1,250.99
Current price $1,250.99

Acer - Chromebook 315 15.6" FHD Laptop - MediaTek Kompanio 540 4GB Memory 128GB eMMC Wi-Fi 6E - Protective Sleeve - Silver

Acer
Original price $404.99 - Original price $404.99
Original price
$404.99
$404.99 - $404.99
Current price $404.99

The Best of Google in a LaptopThe fast secure operating system from Google with built-in Google apps like Gmail Gemini Docs Photos YouTube and more...

View full details
Original price $404.99 - Original price $404.99
Original price
$404.99
$404.99 - $404.99
Current price $404.99

Dell - 15.6" 2K Touchscreen Laptop - Intel Core i7 1355U 2023 - 16GB Memory - 512 GB Storage - Carbon Black

Dell
Original price $796.99 - Original price $796.99
Original price
$796.99
$796.99 - $796.99
Current price $796.99

Effortlessly chicAlways efficient. Finish your to-do list in no time with the Dell 15 built for everyday computing with Intel processors.Designed f...

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Original price $796.99 - Original price $796.99
Original price
$796.99
$796.99 - $796.99
Current price $796.99

13-inch MacBook Neo Apple A18 Pro chip with 6-core CPU and 5-core GPU - 8GB Memory - 256GB SSD - Citrus

Apple
Original price $792.99 - Original price $792.99
Original price
$792.99
$792.99 - $792.99
Current price $792.99

THE MOST COLORFUL MACBOOK LINEUP EVER—Choose from Silver Blush Citrus or Indigo—each with a color-coordinated keyboard to complete the look. And wi...

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Original price $792.99 - Original price $792.99
Original price
$792.99
$792.99 - $792.99
Current price $792.99

13-inch MacBook Neo Apple A18 Pro chip with 6-core CPU and 5-core GPU - 8GB Memory - 256GB SSD - Silver

Apple
Original price $792.99 - Original price $792.99
Original price
$792.99
$792.99 - $792.99
Current price $792.99

THE MOST COLORFUL MACBOOK LINEUP EVER—Choose from Silver Blush Citrus or Indigo—each with a color-coordinated keyboard to complete the look. And wi...

View full details
Original price $792.99 - Original price $792.99
Original price
$792.99
$792.99 - $792.99
Current price $792.99

Acer - Swift Go 16 AI - Copilot+ PC - 16" WUXGA Touchscreen Laptop - AMD Ryzen AI 9 465 - 32GB Memory 1TB Storage - Obsidian Black

Acer
Original price $1,684.99 - Original price $1,684.99
Original price
$1,684.99
$1,684.99 - $1,684.99
Current price $1,684.99

Windows 11 Operating SystemWith intuitive navigation faster performance and stronger security Windows 11 is designed to elevate how you work and cr...

View full details
Original price $1,684.99 - Original price $1,684.99
Original price
$1,684.99
$1,684.99 - $1,684.99
Current price $1,684.99

HP - OmniBook X Flip 2-in-1 - 14" 2K OLED Touchscreen Laptop - AMD Ryzen AI 5 (2026) - 16GB Memory - 512GB SSD - Copilot+ PC - Deep Espresso

HP
Original price $1,456.99 - Original price $1,456.99
Original price
$1,456.99
$1,456.99 - $1,456.99
Current price $1,456.99

14-in 2K OLED touchscreen1920 x 1200 resolution delivers incredible detail wide-viewing angles and lifelike color reproduction. And with touch you ...

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Original price $1,456.99 - Original price $1,456.99
Original price
$1,456.99
$1,456.99 - $1,456.99
Current price $1,456.99

HP - OmniBook X Flip 2-in-1 - Copilot+ - 14" 2K OLED Touchscreen Laptop - AMD Ryzen AI 7 (2026) - 24GB Memory - 1TB SSD - Deep Espresso

HP
Original price $1,688.99 - Original price $1,688.99
Original price
$1,688.99
$1,688.99 - $1,688.99
Current price $1,688.99

14-in 2K OLED touchscreen1920 x 1200 resolution delivers incredible detail wide-viewing angles and lifelike color reproduction. And with touch you ...

View full details
Original price $1,688.99 - Original price $1,688.99
Original price
$1,688.99
$1,688.99 - $1,688.99
Current price $1,688.99

Samsung - Galaxy Book6 Pro - Copilot+ PC - 16" 3K AMOLED Touch Screen Laptop - Intel Core Ultra 7 - 16GB Memory -1TB SSD - Gray

Samsung
Original price $2,345.99 - Original price $2,345.99
Original price
$2,345.99
$2,345.99 - $2,345.99
Current price $2,345.99

Peak performance for top tier achieversGalaxy Book6 Pro is built to handle your most demanding tasks without slowing down. It's equipped with Intel...

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Original price $2,345.99 - Original price $2,345.99
Original price
$2,345.99
$2,345.99 - $2,345.99
Current price $2,345.99

13-inch MacBook Air - Apple M5 chip with 10-core CPU and 10-core GPU - 16GB Memory - 1TB SSD - Silver

Apple
Original price $1,722.99 - Original price $1,722.99
Original price
$1,722.99
$1,722.99 - $1,722.99
Current price $1,722.99

SUPERCHARGED BY M5-With its faster CPU and unified memory M5 delivers even more performance and fluidity across apps making multitasking and creati...

View full details
Original price $1,722.99 - Original price $1,722.99
Original price
$1,722.99
$1,722.99 - $1,722.99
Current price $1,722.99

15-inch MacBook Air - Apple M5 chip with 10-core CPU and 10-core GPU - 16GB Memory - 1TB SSD - Starlight

Apple
Original price $2,057.99 - Original price $2,057.99
Original price
$2,057.99
$2,057.99 - $2,057.99
Current price $2,057.99

SUPERCHARGED BY M5-With its faster CPU and unified memory M5 delivers even more performance and fluidity across apps making multitasking and creati...

View full details
Original price $2,057.99 - Original price $2,057.99
Original price
$2,057.99
$2,057.99 - $2,057.99
Current price $2,057.99

HP - 14" 2K Touchscreen 2-in-1 Chromebook - Intel Core N150 - 8GB Memory - 64GB eMMC - Sky Blue

HP
Original price $557.99 - Original price $557.99
Original price
$557.99
$557.99 - $557.99
Current price $557.99

Intel N150 processorImproved graphics and performance for your everyday. Connect learn and play anywhere.14" 2K touchscreen with IPS1920 x 1200 res...

View full details
Original price $557.99 - Original price $557.99
Original price
$557.99
$557.99 - $557.99
Current price $557.99

15-inch MacBook Air - Apple M5 chip with 10-core CPU and 10-core GPU - 16GB Memory - 1TB SSD - Sky Blue

Apple
Original price $2,057.99 - Original price $2,057.99
Original price
$2,057.99
$2,057.99 - $2,057.99
Current price $2,057.99

SUPERCHARGED BY M5-With its faster CPU and unified memory M5 delivers even more performance and fluidity across apps making multitasking and creati...

View full details
Original price $2,057.99 - Original price $2,057.99
Original price
$2,057.99
$2,057.99 - $2,057.99
Current price $2,057.99

15-inch MacBook Air - Apple M5 chip with 10-core CPU and 10-core GPU - 16GB Memory - 512GB SSD - Starlight

Apple
Original price $1,716.99 - Original price $1,716.99
Original price
$1,716.99
$1,716.99 - $1,716.99
Current price $1,716.99

SUPERCHARGED BY M5-With its faster CPU and unified memory M5 delivers even more performance and fluidity across apps making multitasking and creati...

View full details
Original price $1,716.99 - Original price $1,716.99
Original price
$1,716.99
$1,716.99 - $1,716.99
Current price $1,716.99

Dell - 15.6" 2K Touchscreen Laptop - Intel Core i7 1355U 2023 - 16GB Memory - 512GB Storage - Carbon Black

Dell
Original price $968.99 - Original price $968.99
Original price
$968.99
$968.99 - $968.99
Current price $968.99

Effortlessly chicAlways efficient. Finish your to-do list in no time with the Dell 15 built for everyday computing with Intel processors.Designed f...

View full details
Original price $968.99 - Original price $968.99
Original price
$968.99
$968.99 - $968.99
Current price $968.99

15-inch MacBook Air - Apple M5 chip with 10-core CPU and 10-core GPU - 16GB Memory - 1TB SSD - Midnight

Apple
Original price $2,057.99 - Original price $2,057.99
Original price
$2,057.99
$2,057.99 - $2,057.99
Current price $2,057.99

SUPERCHARGED BY M5-With its faster CPU and unified memory M5 delivers even more performance and fluidity across apps making multitasking and creati...

View full details
Original price $2,057.99 - Original price $2,057.99
Original price
$2,057.99
$2,057.99 - $2,057.99
Current price $2,057.99

13-inch MacBook Air - Apple M5 chip with 10-core CPU and 10-core GPU - 16GB Memory - 1TB SSD - Sky Blue

Apple
Original price $1,722.99 - Original price $1,722.99
Original price
$1,722.99
$1,722.99 - $1,722.99
Current price $1,722.99

SUPERCHARGED BY M5-With its faster CPU and unified memory M5 delivers even more performance and fluidity across apps making multitasking and creati...

View full details
Original price $1,722.99 - Original price $1,722.99
Original price
$1,722.99
$1,722.99 - $1,722.99
Current price $1,722.99

Lenovo - Legion Pro 5 16" 2.5K Gaming Laptop - AMD Ryzen 9 8945HX 2023 - NVIDIA GeForce RTX 5060 - 16GB Memory - 1TB SSD - Eclipse Black

Lenovo
Original price $2,393.99 - Original price $2,393.99
Original price
$2,393.99
$2,393.99 - $2,393.99
Current price $2,393.99

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...

View full details
Original price $2,393.99 - Original price $2,393.99
Original price
$2,393.99
$2,393.99 - $2,393.99
Current price $2,393.99

Lenovo - Chromebook Plus 2-in-1 14" Full HD Touchscreen Laptop - Intel Core 3 Processor N355 2025 - 8GB Memory - 128GB UFS - Cosmic Blue

Lenovo
Original price $732.99 - Original price $732.99
Original price
$732.99
$732.99 - $732.99
Current price $732.99

Runs ChromeOS+The fast secure operating system from Google with built-in Google apps like Gmail Gemini Docs Photos YouTube and more so you can go f...

View full details
Original price $732.99 - Original price $732.99
Original price
$732.99
$732.99 - $732.99
Current price $732.99

Dell - Plus - Copilot+ PC - 14" 2K 2-in-1 Touchscreen Laptop - Intel Core Ultra 7 256V 2024 - 16GB Memory - 1TB Storage - Ice Blue

Dell
Original price $1,125.99 - Original price $1,125.99
Original price
$1,125.99
$1,125.99 - $1,125.99
Current price $1,125.99

Stunning function in every modeExperience seamless productivity in any mode with the DB04250 design that maximises performance and portability ensu...

View full details
Original price $1,125.99 - Original price $1,125.99
Original price
$1,125.99
$1,125.99 - $1,125.99
Current price $1,125.99

ASUS - ROG Zephyrus G14 14" OLED 3K 120Hz Gaming Laptop - AMD Ryzen 9 270 - 16GB LPDDR5X - GeForce RTX 5060 - 1TB SSD - Platinum White

ASUS
Original price $2,499.99 - Original price $2,499.99
Original price
$2,499.99
$2,499.99 - $2,499.99
Current price $2,499.99

Make Gaming and Creating Easier with Windows 11 HomeGame create and maximize your productivity—Windows 11 Home is the one place for it all. With ad...

View full details
Original price $2,499.99 - Original price $2,499.99
Original price
$2,499.99
$2,499.99 - $2,499.99
Current price $2,499.99

Dell - Plus - Copilot+ PC - 14" 2K 2-in-1 Touchscreen Laptop - AMD Ryzen AI 7 350 2025 - 16GB Memory - 1TB Storage - Midnight Blue

Dell
Original price $1,219.99 - Original price $1,219.99
Original price
$1,219.99
$1,219.99 - $1,219.99
Current price $1,219.99

Impress In Every ModeExperience seamless productivity in any mode with a design that maximizes performance and portability ensuring you stay effici...

View full details
Original price $1,219.99 - Original price $1,219.99
Original price
$1,219.99
$1,219.99 - $1,219.99
Current price $1,219.99

Acer - Chromebook Plus 516 Laptop with Google AI 16" WUXGA Display - Intel i3-1315U 8GB LPDDR5 128GB UFS Wi-Fi 6E - Steel Gray

Acer
Original price $701.99 - Original price $701.99
Original price
$701.99
$701.99 - $701.99
Current price $701.99

The Best of Google in a LaptopChromebooks run ChromeOS the fast secure operating system from Google with built-in Google apps like Gmail Gemini Doc...

View full details
Original price $701.99 - Original price $701.99
Original price
$701.99
$701.99 - $701.99
Current price $701.99

ASUS - ROG Strix G18 18" 2.5K 240Hz Gaming Laptop - Intel Core Ultra 9 HX - 32GB RAM - NVIDIA GeForce RTX 5080 - 2TB SSD - Eclipse Gray

ASUS
Original price $3,614.99 - Original price $3,614.99
Original price
$3,614.99
$3,614.99 - $3,614.99
Current price $3,614.99

Intuitive Windows 11 HomeGame create and connect with family and friends - Windows 11 Home is the place for it all. With a fresh new feel and tool...

View full details
Original price $3,614.99 - Original price $3,614.99
Original price
$3,614.99
$3,614.99 - $3,614.99
Current price $3,614.99

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