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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 $1,018.99 - Original price $1,018.99
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Apple - MacBook Air 13-inch Apple M2 chip Built for Apple Intelligence - 16GB Memory - 256GB SSD - Starlight

Apple

M2 chip for incredible performance8-core CPU and up to 10-core GPU to power through complex tasksBUILT FOR APPLE INTELLIGENCE Apple Intelligence he...

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Original price $1,018.99 - Original price $1,018.99
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Original price $456.99 - Original price $456.99
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Lenovo - IdeaPad Duet 5 Chromebook 2-in1 Laptop - 13.3" FHD Touchscreen - Snapdragon 7cG2 - 8GB - 128GB eMMC - with Keyboard - 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 $456.99 - Original price $456.99
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Original price $431.99 - Original price $431.99
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HP - 15.6" Touch-Screen Laptop - AMD Ryzen 5 - 8GB Memory - 512GB SSD - Natural Silver

HP

Windows 11 Home in S modeExperience the most secure Windows ever built with fast boot times increased responsiveness and added protection against p...

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Original price $431.99 - Original price $431.99
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Original price $1,116.99 - Original price $1,116.99
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Lenovo - LOQ 15.6" Gaming Laptop FHD - AMD Ryzen 7 7435HS with 16GB Memory - NVIDIA GeForce RTX 4060 8GB - 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 $1,116.99 - Original price $1,116.99
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Original price $905.99 - Original price $905.99
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Lenovo - Yoga 7 2-in-1 16" 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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Original price $570.99 - Original price $570.99
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ASUS Chromebook Plus CX3402 14" Laptop with Google AI - Intel Core i5 1335U - 8GB Memory - 128GB SSD - Pearl White

ASUS

Runs ChromeOS with Google AIThe fast secure operating system built by Google comes with AI tools to make hard work feel easy. Write like a pro des...

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Original price $570.99 - Original price $570.99
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Original price $1,529.99 - Original price $1,529.99
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Samsung - Galaxy Book4 360 2-in-1 15.6" FHD AMOLED Touch Screen Laptop - Intel Core 7 - 16GB Memory -512GB SSD - Gray

Samsung

Power to exploreSpark your curiosity with the powerful processor of Galaxy Book4 360. The latest Intel chipset packs plenty of power to help you di...

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Original price $1,529.99 - Original price $1,529.99
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Samsung - Galaxy Book4 Pro 360 2-in1 16" AMOLED Touch Screen Laptop - Intel Core Ultra 7 - 16GB Memory - 1TB SSD - Moonstone Gray

Samsung

Powerful enough for whatever you doBlaze new paths with a powerful Intel processor designed for visionaries. Tap into lightning fast speed and perf...

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Original price $1,738.99 - Original price $1,738.99
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Samsung Galaxy Book5 Pro 360 - 16" - Intel Core Ultra 7 - 256V - Evo - 16 GB RAM - 1 TB SSD

Samsung

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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Original price $3,354.99 - Original price $3,354.99
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Samsung - Galaxy Book4 Ultra 16" AMOLED Touch Screen Laptop - Intel Core Ultra 9 - 32GB Memory - NVIDIA GeForce RTX 4070 - 1TB SSD - Moonstone Gray

Samsung

Ultimate power for your most ambitious ideasUnleash ultimate power for your biggest ideas.Galaxy Book4 Ultra is packed with our mightiest Intel pro...

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Original price $3,354.99 - Original price $3,354.99
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Original price $1,663.99 - Original price $1,663.99
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Samsung - Galaxy Book4 Edge - Copilot+ PC - 16" AMOLED Touch-Screen Laptop - Snapdragon X Elite 3.8Ghz- 16GB Memory- 1TB Storage - Sapphire Blue

Samsung

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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Original price $1,663.99 - Original price $1,663.99
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Original price $1,817.99 - Original price $1,817.99
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MSI - Stealth 16 AI Studio A1V 16" 165 Hz Gaming Laptop 1920 x 1200 (Full HD Plus) - Intel Core Ultra 9 185H with 32GB Memory - Star Blue Blue

MSI

Windows 11 Home operating systemWindows 11 Home OS smartly manages your hardware and runs routine applications efficientlyAI at Your Fingertips The...

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Original price $1,817.99 - Original price $1,817.99
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Original price $1,534.99 - Original price $1,534.99
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Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touch-Screen - Snapdragon X Elite 12 Core - 16GB Memory - 512GB SSD (7th Edition) - 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...

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Original price $1,534.99 - Original price $1,534.99
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Original price $2,185.99 - Original price $2,185.99
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Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touch-Screen - Snapdragon X Elite 12 Core - 32GB Memory - 1TB SSD (7th Edition) - 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...

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Original price $2,185.99 - Original price $2,185.99
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Microsoft - Surface Laptop - Copilot+ PC - 15" Touch-Screen - Snapdragon X Elite 12 Core - 32GB Memory - 1TB SSD (7th Edition) - 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...

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Original price $2,129.99 - Original price $2,129.99
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LG - gram 17" Touch Screen Laptop - Copilot+ PC - Intel Core Ultra9 with 32GB Memory - 1TB SSD - Obsidian Black

LG

AI Performance AnywhereLG gram delivers powerhouse AI performance in an ultra-thin ultra-light design. Weighing just 3.2 lbs. the sleek 17 anti-gla...

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Original price $2,129.99 - Original price $2,129.99
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Original price $1,795.99 - Original price $1,795.99
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LG gram 17" Touch Screen Laptop - Copilot+ PC - Intel Core Ultra 7 Series 2 with 32GB Memory - 1TB SSD - Obsidian Black

LG

AI Performance AnywhereLG gram delivers powerhouse AI performance in an ultra-thin ultra-light design. Weighing just 3.2 lbs. the sleek 17 anti-gla...

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Original price $1,795.99 - Original price $1,795.99
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Original price $1,248.99 - Original price $1,248.99
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Lenovo Slim 7 14IMH9 - AI Ready - 14" - Intel Core Ultra 7 - 155H - Evo - 32 GB RAM - 1 TB SSD - US English

Lenovo

Lenovo Slim 7 14IMH9 83D8 - Intel Core Ultra 7 - 155H / up to 4.8 GHz - Evo - Win 11 Pro - Intel Arc Graphics - 32 GB RAM - 1 TB SSD NVMe - 14" OLE...

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Original price $1,248.99 - Original price $1,248.99
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Original price $2,164.99 - Original price $2,164.99
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Lenovo - Yoga Slim 9i - Copilot+ PC - 14" 4K WQUXGA OLED Touchscreen Laptop-Intel Core Ultra 7 Processor - 32GB Memory - 1TB SSD - Tidal Teal

Lenovo

Windows 11 Home OSYour time is valuable. So don’t waste it doing things the hard way. Windows 11 brings a fresh experience with new ways to get thi...

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Original price $2,164.99 - Original price $2,164.99
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Original price $1,185.99 - Original price $1,185.99
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Lenovo - Yoga 7i 2-in-1 14" - Copilot+ PC - OLED Touchscreen Laptop - Intel Core Ultra 5 Processor - 16GB Memory - 512GB SSD - Luna Grey

Lenovo

Smarter Performance Creative Power with Copilot+ PCsCreate and connect with Copilot+ PCs. Studio Effects enhance video calls Cocreator turns text i...

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Original price $1,185.99 - Original price $1,185.99
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Original price $3,432.99 - Original price $3,432.99
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Lenovo - Legion Pro 7i 16" (WQXGA) Gaming Laptop - Intel Core Ultra 9 275HX - 32GB Memory - NVIDIA GeForce RTX 5080 - 1TB SSD - Eclipse Black

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 $3,432.99 - Original price $3,432.99
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Original price $1,957.99 - Original price $1,957.99
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Lenovo - Yoga 9i 2-in-1 Aura Edition-Copilot+ PC-14" 2.8K OLED Touchscreen Laptop - Intel Core Ultra 7 Processor - 32GB RAM - 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 $1,957.99 - Original price $1,957.99
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Original price $924.99 - Original price $924.99
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Lenovo - ThinkPad E16 Gen 2 16" Laptop - AMD Ryzen 7 with 16GB Memory - 512GB SSD - Black

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 $924.99 - Original price $924.99
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Original price $705.99 - Original price $705.99
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Lenovo - Ideapad 1i 15.6" Full HD Touchscreen Laptop - Intel Core i5-1334U - 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...

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Original price $705.99 - Original price $705.99
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$705.99
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Current price $705.99

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.