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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. 

Original price $790.99 - Original price $790.99
Original price
$790.99
$790.99 - $790.99
Current price $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...

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Original price $790.99 - Original price $790.99
Original price
$790.99
$790.99 - $790.99
Current price $790.99
Original price $1,255.99 - Original price $1,255.99
Original price
$1,255.99
$1,255.99 - $1,255.99
Current price $1,255.99

HP OMEN - 16" 2K 144Hz Gaming Laptop - Intel Core Ultra 7 255H w/ AI Boost 2025 - 16GB Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Shadow Black

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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Original price $1,255.99 - Original price $1,255.99
Original price
$1,255.99
$1,255.99 - $1,255.99
Current price $1,255.99
Original price $1,215.99 - Original price $1,215.99
Original price
$1,215.99
$1,215.99 - $1,215.99
Current price $1,215.99

Lenovo - LOQ 15.6" Full HD Gaming Laptop - Intel Core i5-13450HX 2023 - 16GB Memory - NVIDIA GeForce RTX 5050 - 512GB 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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Original price $1,215.99 - Original price $1,215.99
Original price
$1,215.99
$1,215.99 - $1,215.99
Current price $1,215.99
Original price $777.99 - Original price $777.99
Original price
$777.99
$777.99 - $777.99
Current price $777.99

HP - 15.6" Full HD Touch-Screen Laptop - Intel Core i7 1355U 2023 - 16GB Memory - 512GB SSD - Natural Silver

HP

Windows 11 Home operating systemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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Original price $777.99 - Original price $777.99
Original price
$777.99
$777.99 - $777.99
Current price $777.99
Original price $326.99 - Original price $326.99
Original price
$326.99
$326.99 - $326.99
Current price $326.99

Acer - Chromebook 315 - 15.6" Full HD Laptop - Intel Celeron N4500 - 4GB LPDDR4X - 64GB eMMC - Protective Sleeve Silver - Sparkly Silver

Acer

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...

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Original price $326.99 - Original price $326.99
Original price
$326.99
$326.99 - $326.99
Current price $326.99
Original price $847.99 - Original price $847.99
Original price
$847.99
$847.99 - $847.99
Current price $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...

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Original price $847.99 - Original price $847.99
Original price
$847.99
$847.99 - $847.99
Current price $847.99
Original price $476.99 - Original price $476.99
Original price
$476.99
$476.99 - $476.99
Current price $476.99

HP - 15.6" Chromebook Laptop - Intel Processor N200 2023 - 8GB Memory - 64GB eMMC - Natural Silver

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 $476.99 - Original price $476.99
Original price
$476.99
$476.99 - $476.99
Current price $476.99
Original price $1,094.99 - Original price $1,094.99
Original price
$1,094.99
$1,094.99 - $1,094.99
Current price $1,094.99

Lenovo ThinkPad E14 Gen 6 - 14" - AMD Ryzen 7 - 7735HS - 16 GB RAM - 512 GB SSD - English

Lenovo

Windows 11 ProWindows 11 is designed for hybrid work. Upgrade to Windows 11 Pro for all the features of Windows 11 Home plus tools for business use...

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Original price $1,094.99 - Original price $1,094.99
Original price
$1,094.99
$1,094.99 - $1,094.99
Current price $1,094.99
Original price $847.99 - Original price $847.99
Original price
$847.99
$847.99 - $847.99
Current price $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
Original price $847.99 - Original price $847.99
Original price
$847.99
$847.99 - $847.99
Current price $847.99
Original price $699.99 - Original price $699.99
Original price
$699.99
$699.99 - $699.99
Current price $699.99

HP - Victus 15.6" 144Hz Full HD Gaming Laptop - Intel Core i5 - 8GB Memory - NVIDIA GeForce RTX 3050 - 512GB SSD - Mica Silver

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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Original price $699.99 - Original price $699.99
Original price
$699.99
$699.99 - $699.99
Current price $699.99
Original price $249.99 - Original price $249.99
Original price
$249.99
$249.99 - $249.99
Current price $249.99

HP - 15.6" Laptop - Intel N100 2023 - 4GB Memory - 128GB UFS - Natural Silver

HP

15.6-in HD displayWatch videos and create colorful presentations in excellent high-definition quality rendered with 1 million pixels. The anti-glar...

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Original price $249.99 - Original price $249.99
Original price
$249.99
$249.99 - $249.99
Current price $249.99
Original price $372.99 - Original price $372.99
Original price
$372.99
$372.99 - $372.99
Current price $372.99

HP - 15.6" Laptop - Intel Core i3 N305 2023 - 8GB Memory - 128GB UFS - Natural Silver

HP

15.6-in HD displayWatch videos and create colorful presentations in excellent high-definition quality rendered with 1 million pixels. The anti-glar...

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Original price $372.99 - Original price $372.99
Original price
$372.99
$372.99 - $372.99
Current price $372.99
Original price $614.99 - Original price $614.99
Original price
$614.99
$614.99 - $614.99
Current price $614.99

HP - 15.6" Full HD Touch-Screen Laptop - AMD Ryzen 5 7520U 2023 - 8GB Memory - 512GB SSD - Natural Silver

HP

15.6-in FHD touchscreen display with IPSAlways see your content at its best—displayed in stunning Full HD resolution with 178-degree wide-viewing a...

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Original price $614.99 - Original price $614.99
Original price
$614.99
$614.99 - $614.99
Current price $614.99
Original price $785.99 - Original price $785.99
Original price
$785.99
$785.99 - $785.99
Current price $785.99

HP - OmniBook 5 - Copilot+ PC - 14" 2K OLED Touch-Screen Laptop - Snapdragon X Plus 2025 - 16GB Memory - 512GB SSD - Glacier Silver

HP

Up to 34 hours battery life Feel free to leave your charger at home. The incredible 34-hour battery life lasts as long as your weekend trip so you...

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Original price $785.99 - Original price $785.99
Original price
$785.99
$785.99 - $785.99
Current price $785.99
Original price $621.99 - Original price $621.99
Original price
$621.99
$621.99 - $621.99
Current price $621.99

HP - 15.6" Full HD Laptop - AMD Ryzen 7 5825U 2022 - 16GB Memory - 1TB SSD - Natural Silver

HP

15.6-in FHD DisplayAlways see your content at its best—displayed in stunning Full HD resolution with 178-degree wide-viewing angles. AMD FreeSync T...

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Original price $621.99 - Original price $621.99
Original price
$621.99
$621.99 - $621.99
Current price $621.99
Original price $703.99 - Original price $703.99
Original price
$703.99
$703.99 - $703.99
Current price $703.99

HP - 17.3" Full HD Laptop - Intel Core i7 1355U 2023 - 16GB Memory - 1TB SSD - Natural Silver

HP

17.3-in FHD display with IPSSee the details of every frame when you're enjoying the vibrant Full HD resolution and 178-degree wide-viewing angles o...

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Original price $703.99 - Original price $703.99
Original price
$703.99
$703.99 - $703.99
Current price $703.99
Original price $2,078.99 - Original price $2,078.99
Original price
$2,078.99
$2,078.99 - $2,078.99
Current price $2,078.99

Apple - MacBook Pro 14-inch Laptop - 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...

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Original price $2,078.99 - Original price $2,078.99
Original price
$2,078.99
$2,078.99 - $2,078.99
Current price $2,078.99
Original price $1,185.99 - Original price $1,185.99
Original price
$1,185.99
$1,185.99 - $1,185.99
Current price $1,185.99

HP - OmniBook X Flip 2-in-1 - Copilot+ PC - 14" 2K Touch-Screen Laptop - Intel Core Ultra 7 256V 2024 - 16GB Memory - 1TB SSD - Atmospheric Blue

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

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Original price $1,185.99 - Original price $1,185.99
Original price
$1,185.99
$1,185.99 - $1,185.99
Current price $1,185.99
Original price $2,887.99 - Original price $2,887.99
Original price
$2,887.99
$2,887.99 - $2,887.99
Current price $2,887.99

HP OMEN - MAX 16" 240Hz Gaming Laptop - Intel Core Ultra 9 275HX 2025 - 32GB Memory - NVIDIA GeForce RTX 5080 - 1TB SSD - Shadow Black

HP

Windows 11 Home Operating SystemAll the best elements of Windows 10 with added features to make it easier to log in to start working gaming or crea...

View full details
Original price $2,887.99 - Original price $2,887.99
Original price
$2,887.99
$2,887.99 - $2,887.99
Current price $2,887.99
Original price $1,230.99 - Original price $1,230.99
Original price
$1,230.99
$1,230.99 - $1,230.99
Current price $1,230.99

Lenovo - Yoga 7i 2-in-1 - Copilot+ PC - 16" 2K Touchscreen Laptop - Intel Core Ultra 7 Processor - 16GB Memory - 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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Original price $1,230.99 - Original price $1,230.99
Original price
$1,230.99
$1,230.99 - $1,230.99
Current price $1,230.99
Original price $1,066.99 - Original price $1,066.99
Original price
$1,066.99
$1,066.99 - $1,066.99
Current price $1,066.99

Lenovo - Yoga 7i 2-in-1 - Copilot+ PC - 14" 2K OLED Touchscreen Laptop - Intel Core Ultra 5 226V 2024 - 16GB Memory - 512GB SSD - Luna Grey

Lenovo

Copilot+ PCs. A new AI era begins.New AI superpowers. Discover the power of Recall (preview) improved Windows search and Click to Do (preview) on C...

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Original price $1,066.99 - Original price $1,066.99
Original price
$1,066.99
$1,066.99 - $1,066.99
Current price $1,066.99
Original price $1,738.99 - Original price $1,738.99
Original price
$1,738.99
$1,738.99 - $1,738.99
Current price $1,738.99

Lenovo - Yoga 9i 2-in-1 Aura Edition - Copilot+ PC - 14" 3K 120Hz OLED Touchscreen Laptop - Intel Core Ultra 7 258V - 32GB - 1TB - Cosmic Blue

Lenovo

Copilot+ PC The Fastest Smartest Windows PCs EverCreate connect and crush your tasks with Copilot+ PCs - the smartest Windows PCs ever. Windows Stu...

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Original price $1,738.99 - Original price $1,738.99
Original price
$1,738.99
$1,738.99 - $1,738.99
Current price $1,738.99
Original price $245.99 - Original price $245.99
Original price
$245.99
$245.99 - $245.99
Current price $245.99

HP - 14" Laptop - Intel Processor N150 - 4GB Memory - 128GB UFS - Pale Rose Gold

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 $245.99 - Original price $245.99
Original price
$245.99
$245.99 - $245.99
Current price $245.99
Original price $1,205.99 - Original price $1,205.99
Original price
$1,205.99
$1,205.99 - $1,205.99
Current price $1,205.99

Apple - MacBook Air 13-inch Laptop - Apple M4 chip Built for Apple Intelligence - 16GB Memory - 512GB SSD - Midnight

Apple

SUPERCHARGED BY M4—The Apple M4 chip brings even more speed and fluidity to everything you do like working across multiple apps editing videos or p...

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Original price $1,205.99 - Original price $1,205.99
Original price
$1,205.99
$1,205.99 - $1,205.99
Current price $1,205.99
Original price $1,205.99 - Original price $1,205.99
Original price
$1,205.99
$1,205.99 - $1,205.99
Current price $1,205.99

Apple - MacBook Air 13-inch Laptop - Apple M4 chip Built for Apple Intelligence - 16GB Memory - 512GB SSD - Silver

Apple

SUPERCHARGED BY M4—The Apple M4 chip brings even more speed and fluidity to everything you do like working across multiple apps editing videos or p...

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Original price $1,205.99 - Original price $1,205.99
Original price
$1,205.99
$1,205.99 - $1,205.99
Current price $1,205.99
Original price $1,423.99 - Original price $1,423.99
Original price
$1,423.99
$1,423.99 - $1,423.99
Current price $1,423.99

Apple - MacBook Air 13-inch Laptop - Apple M4 chip Built for Apple Intelligence - 24GB Memory - 512GB SSD - Sky Blue

Apple

SUPERCHARGED BY M4—The Apple M4 chip brings even more speed and fluidity to everything you do like working across multiple apps editing videos or p...

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Original price $1,423.99 - Original price $1,423.99
Original price
$1,423.99
$1,423.99 - $1,423.99
Current price $1,423.99
Original price $1,423.99 - Original price $1,423.99
Original price
$1,423.99
$1,423.99 - $1,423.99
Current price $1,423.99

Apple - MacBook Air 13-inch Laptop - Apple M4 chip Built for Apple Intelligence - 24GB Memory - 512GB SSD - Silver

Apple

SUPERCHARGED BY M4—The Apple M4 chip brings even more speed and fluidity to everything you do like working across multiple apps editing videos or p...

View full details
Original price $1,423.99 - Original price $1,423.99
Original price
$1,423.99
$1,423.99 - $1,423.99
Current price $1,423.99
Original price $1,423.99 - Original price $1,423.99
Original price
$1,423.99
$1,423.99 - $1,423.99
Current price $1,423.99

Apple - MacBook Air 13-inch Laptop - Apple M4 chip Built for Apple Intelligence - 24GB Memory - 512GB SSD - Starlight

Apple

SUPERCHARGED BY M4—The Apple M4 chip brings even more speed and fluidity to everything you do like working across multiple apps editing videos or p...

View full details
Original price $1,423.99 - Original price $1,423.99
Original price
$1,423.99
$1,423.99 - $1,423.99
Current price $1,423.99
Original price $1,205.99 - Original price $1,205.99
Original price
$1,205.99
$1,205.99 - $1,205.99
Current price $1,205.99

Apple - MacBook Air 15-inch Laptop - Apple M4 chip Built for Apple Intelligence - 16GB Memory - 256GB SSD - Midnight

Apple

SUPERCHARGED BY M4—The Apple M4 chip brings even more speed and fluidity to everything you do like working across multiple apps editing videos or p...

View full details
Original price $1,205.99 - Original price $1,205.99
Original price
$1,205.99
$1,205.99 - $1,205.99
Current price $1,205.99
Original price $1,642.99 - Original price $1,642.99
Original price
$1,642.99
$1,642.99 - $1,642.99
Current price $1,642.99

Apple - MacBook Air 15-inch Laptop - Apple M4 chip Built for Apple Intelligence - 24GB Memory - 512GB SSD - Starlight

Apple

SUPERCHARGED BY M4—The Apple M4 chip brings even more speed and fluidity to everything you do like working across multiple apps editing videos or p...

View full details
Original price $1,642.99 - Original price $1,642.99
Original price
$1,642.99
$1,642.99 - $1,642.99
Current price $1,642.99
Original price $1,233.99 - Original price $1,233.99
Original price
$1,233.99
$1,233.99 - $1,233.99
Current price $1,233.99

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

Dell

Stunning function in every modeExperience seamless productivity in any mode with a design that maximises performance and portability ensuring you s...

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Original price $1,233.99 - Original price $1,233.99
Original price
$1,233.99
$1,233.99 - $1,233.99
Current price $1,233.99
Original price $2,419.99 - Original price $2,419.99
Original price
$2,419.99
$2,419.99 - $2,419.99
Current price $2,419.99

Lenovo - Legion 7i 16" 2.5k OLED Gaming Laptop - Intel Core Ultra 9 275HX 2025 - 32GB RAM - NVIDIA GeForce RTX 5070 - 1TB SSD - Glacier White

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...

View full details
Original price $2,419.99 - Original price $2,419.99
Original price
$2,419.99
$2,419.99 - $2,419.99
Current price $2,419.99
Original price $525.99 - Original price $525.99
Original price
$525.99
$525.99 - $525.99
Current price $525.99

HP - 17.3" Full HD Laptop - AMD Ryzen 5 - 8GB Memory - 512GB SSD - Natural 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 $525.99 - Original price $525.99
Original price
$525.99
$525.99 - $525.99
Current price $525.99
Original price $618.99 - Original price $618.99
Original price
$618.99
$618.99 - $618.99
Current price $618.99

Lenovo - Ideapad 1i 15.6" Full HD Touchscreen Laptop - Intel Core i5-1334U 2023 - 16GB Memory - 512GB SSD - Abyss 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...

View full details
Original price $618.99 - Original price $618.99
Original price
$618.99
$618.99 - $618.99
Current price $618.99
Original price $1,114.99 - Original price $1,114.99
Original price
$1,114.99
$1,114.99 - $1,114.99
Current price $1,114.99

ASUS - Zenbook 14 14" FHD+ OLED Touch Screen Laptop - Intel Core Ultra 7 - 16GB RAM - 512GB SSD - Jasper Gray

ASUS

Intuitive Windows 11 Operating SystemPersonalize features faster performance and enhanced security. Windows 11 empowers productivity and creativity...

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Original price $1,114.99 - Original price $1,114.99
Original price
$1,114.99
$1,114.99 - $1,114.99
Current price $1,114.99
Original price $1,450.99 - Original price $1,450.99
Original price
$1,450.99
$1,450.99 - $1,450.99
Current price $1,450.99

ASUS - Zenbook 14 14" FHD+ OLED Touch Screen Laptop - Intel Core Ultra 9 - 32GB RAM - 1TB SSD - Jasper Gray

ASUS

Intuitive Windows 11 Operating SystemPersonalize features faster performance and enhanced security. Windows 11 empowers productivity and creativity...

View full details
Original price $1,450.99 - Original price $1,450.99
Original price
$1,450.99
$1,450.99 - $1,450.99
Current price $1,450.99

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