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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. 

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

Apple
Original price $1,264.99 - Original price $1,264.99
Original price
$1,264.99
$1,264.99 - $1,264.99
Current price $1,264.99

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 $1,264.99 - Original price $1,264.99
Original price
$1,264.99
$1,264.99 - $1,264.99
Current price $1,264.99

ASUS - TUF Gaming A16 16" FHD+ 165Hz Gaming Laptop - AMD Ryzen 9 - 32GB RAM - NVIDIA GeForce RTX 5070 - 1TB SSD - Jaegar Gray

ASUS
Original price $1,884.99 - Original price $1,884.99
Original price
$1,884.99
$1,884.99 - $1,884.99
Current price $1,884.99

Windows 11 Home operating systemGame create and maximize your productivity—Windows 11 Home is the one place for it all. With a fresh new feel and t...

View full details
Original price $1,884.99 - Original price $1,884.99
Original price
$1,884.99
$1,884.99 - $1,884.99
Current price $1,884.99

Lenovo - Yoga 7 2-in-1 - Copilot+ PC - 16" 2K LCD Touchscreen Laptop - AMD Ryzen AI 5 340 - 16GB Memory - 512GB SSD - Seashell

Lenovo
Original price $1,012.99 - Original price $1,012.99
Original price
$1,012.99
$1,012.99 - $1,012.99
Current price $1,012.99

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 $1,012.99 - Original price $1,012.99
Original price
$1,012.99
$1,012.99 - $1,012.99
Current price $1,012.99

Lenovo - Yoga 7i 2-in-1 - Copilot+ PC - 14" 2K OLED Touchscreen Laptop - Intel Core Ultra 7 256V 2024 - 16GB Memory - 1TB SSD - Luna Grey

Lenovo
Original price $1,238.99 - Original price $1,238.99
Original price
$1,238.99
$1,238.99 - $1,238.99
Current price $1,238.99

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...

View full details
Original price $1,238.99 - Original price $1,238.99
Original price
$1,238.99
$1,238.99 - $1,238.99
Current price $1,238.99

MSI - Vector 16 HX AI 16" 144Hz FHD+ Gaming Laptop - Intel Ultra 7-255HX - GeForce RTX 5070Ti - 16GB Memory - 1TBSSD - Cosmo Gray

MSI
Original price $2,012.99 - Original price $2,012.99
Original price
$2,012.99
$2,012.99 - $2,012.99
Current price $2,012.99

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...

View full details
Original price $2,012.99 - Original price $2,012.99
Original price
$2,012.99
$2,012.99 - $2,012.99
Current price $2,012.99

ASUS - TUF Gaming F16 16" FHD+ 165Hz Gaming Laptop - Intel Core i7-14650HX - 32GB RAM - NVIDIA GeForce RTX 5060 - 1TB SSD - Jaeger Gray

ASUS
Original price $1,699.99 - Original price $1,699.99
Original price
$1,699.99
$1,699.99 - $1,699.99
Current price $1,699.99

Windows 11 Home Operating SystemGame create and maximize your productivity—Windows 11 Home is the one place for it all. With a fresh new feel and t...

View full details
Original price $1,699.99 - Original price $1,699.99
Original price
$1,699.99
$1,699.99 - $1,699.99
Current price $1,699.99

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 $1,604.99 - Original price $1,604.99
Original price
$1,604.99
$1,604.99 - $1,604.99
Current price $1,604.99

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 $1,604.99 - Original price $1,604.99
Original price
$1,604.99
$1,604.99 - $1,604.99
Current price $1,604.99

Dell - Plus - Copilot+ PC - 16" 2.5K 2-in-1 Touchscreen Laptop - Intel Core Ultra 9 288V 2024 - 32GB Memory - 1TB Storage - Midnight Blue

Dell
Original price $1,784.99 - Original price $1,784.99
Original price
$1,784.99
$1,784.99 - $1,784.99
Current price $1,784.99

A stunning display in any modeCreate and edit on a versatile 16-inch screen with space for all your tool bars with the DB06250.Built from the groun...

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Original price $1,784.99 - Original price $1,784.99
Original price
$1,784.99
$1,784.99 - $1,784.99
Current price $1,784.99

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

Apple
Original price $1,322.99 - Original price $1,322.99
Original price
$1,322.99
$1,322.99 - $1,322.99
Current price $1,322.99

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 $1,322.99 - Original price $1,322.99
Original price
$1,322.99
$1,322.99 - $1,322.99
Current price $1,322.99

ASUS- ExpertBook CX54 14" Chromebook Laptop with Intel Core Ultra 5-16GB Memory-256GB SSD

ASUS
Original price $883.99 - Original price $883.99
Original price
$883.99
$883.99 - $883.99
Current price $883.99

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...

View full details
Original price $883.99 - Original price $883.99
Original price
$883.99
$883.99 - $883.99
Current price $883.99

ASUS - CX14 14" FHD Chromebook Laptop - Intel Celeron - 4GB Memory - 64GB eMMC - Misty Grey

ASUS
Original price $302.99 - Original price $302.99
Original price
$302.99
$302.99 - $302.99
Current price $302.99

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...

View full details
Original price $302.99 - Original price $302.99
Original price
$302.99
$302.99 - $302.99
Current price $302.99

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

Apple
Original price $1,700.99 - Original price $1,700.99
Original price
$1,700.99
$1,700.99 - $1,700.99
Current price $1,700.99

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 $1,700.99 - Original price $1,700.99
Original price
$1,700.99
$1,700.99 - $1,700.99
Current price $1,700.99

MSI - Vector 16 HX AI 400 16" 240Hz QHD+ Gaming Laptop - Intel Ultra 9-275HX - GeForce RTX 5080 - 16GB Memory - 1TBSSD - Cosmo Gray

MSI
Original price $2,645.99 - Original price $2,645.99
Original price
$2,645.99
$2,645.99 - $2,645.99
Current price $2,645.99

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...

View full details
Original price $2,645.99 - Original price $2,645.99
Original price
$2,645.99
$2,645.99 - $2,645.99
Current price $2,645.99

ASUS - CX34 14" FHD Chromebook Plus Laptop with Google AI - Intel Core i5 - 8GB Memory - 128GB SSD - Rock Grey

ASUS
Original price $653.99 - Original price $653.99
Original price
$653.99
$653.99 - $653.99
Current price $653.99

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...

View full details
Original price $653.99 - Original price $653.99
Original price
$653.99
$653.99 - $653.99
Current price $653.99

Lenovo - IdeaPad Slim 3 Chromebook 14" Full HD Laptop - MediaTek Kompanio 520 2022 - 4GB Memory - 64GB eMMC - Abyss Blue

Lenovo
Original price $310.99 - Original price $310.99
Original price
$310.99
$310.99 - $310.99
Current price $310.99

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...

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

Dell - Plus 2-In-1 14" FHD+ Touch Screen Laptop - Intel Core Ultra 9 Copilot+ PC with 32GB Memory - 1TB SSD - Ice

Dell
Original price $1,333.99 - Original price $1,333.99
Original price
$1,333.99
$1,333.99 - $1,333.99
Current price $1,333.99

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

View full details
Original price $1,333.99 - Original price $1,333.99
Original price
$1,333.99
$1,333.99 - $1,333.99
Current price $1,333.99

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

Lenovo
Original price $1,012.99 - Original price $1,012.99
Original price
$1,012.99
$1,012.99 - $1,012.99
Current price $1,012.99

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...

View full details
Original price $1,012.99 - Original price $1,012.99
Original price
$1,012.99
$1,012.99 - $1,012.99
Current price $1,012.99

Lenovo - Yoga 7 2-in-1 - Copilot+ PC - 14" 2K OLED Touchscreen Laptop - AMD Ryzen AI 7 350 - 16GB Memory - 1TB SSD - Seashell

Lenovo
Original price $916.99 - Original price $916.99
Original price
$916.99
$916.99 - $916.99
Current price $916.99

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 $916.99 - Original price $916.99
Original price
$916.99
$916.99 - $916.99
Current price $916.99

HP OMEN - League of Legends Limited Edition 16" 2K Gaming Laptop - Intel Core i7 - 32GB Memory - NVIDIA GeForce RTX 5060 - 1TB SSD - Shadow Black

HP
Original price $1,556.99 - Original price $1,556.99
Original price
$1,556.99
$1,556.99 - $1,556.99
Current price $1,556.99

2K IPS displayEnjoy better color accuracy and wider viewing angles with the 2K display and a high resolution of 1920 x 1200.Game changerPowered by ...

View full details
Original price $1,556.99 - Original price $1,556.99
Original price
$1,556.99
$1,556.99 - $1,556.99
Current price $1,556.99

HP - 14" Laptop - Intel Celeron - 4GB Memory - 64GB eMMC - Snowflake White

HP
Original price $235.99 - Original price $235.99
Original price
$235.99
$235.99 - $235.99
Current price $235.99

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

View full details
Original price $235.99 - Original price $235.99
Original price
$235.99
$235.99 - $235.99
Current price $235.99

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

LG
Original price $1,367.99 - Original price $1,367.99
Original price
$1,367.99
$1,367.99 - $1,367.99
Current price $1,367.99

2025 PC Mag Readers' Choice Top Laptop BrandLG gram earns the Top Laptop Brand accolade thanks to incredibly high scores in almost every category i...

View full details
Original price $1,367.99 - Original price $1,367.99
Original price
$1,367.99
$1,367.99 - $1,367.99
Current price $1,367.99

Dell - Plus 2-In-1 16" FHD+ Laptop - Intel Core Ultra 5 Copilot+ PC with 16GB Memory - 512GB SSD - Ice

Dell
Original price $1,065.99 - Original price $1,065.99
Original price
$1,065.99
$1,065.99 - $1,065.99
Current price $1,065.99

A stunning display in any modeCreate and edit on a versatile 16-inch screen with space for all your tool bars.Built from the groundUp with Intel’s ...

View full details
Original price $1,065.99 - Original price $1,065.99
Original price
$1,065.99
$1,065.99 - $1,065.99
Current price $1,065.99

HP - OmniBook X Flip 2-in-1

HP
Original price $807.99 - Original price $807.99
Original price
$807.99
$807.99 - $807.99
Current price $807.99

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 $807.99 - Original price $807.99
Original price
$807.99
$807.99 - $807.99
Current price $807.99

ASUS - ProArt P16 16" 3K 120Hz OLED Touch Screen Laptop - Copilot+ PC - AMD Ryzen AI 9 HX 370 - 32GB RAM - RTX 5070 - 2TB SSD - Nano Black

ASUS
Original price $2,666.99 - Original price $2,666.99
Original price
$2,666.99
$2,666.99 - $2,666.99
Current price $2,666.99

Copilot+ PCs. A New AI Era BeginsNew AI superpowers. Discover the power of Recall (preview) improved Windows search and Click to Do (preview) on Co...

View full details
Original price $2,666.99 - Original price $2,666.99
Original price
$2,666.99
$2,666.99 - $2,666.99
Current price $2,666.99

Lenovo - Yoga 7 2-in-1 16" 2K Touchscreen Laptop - AMD Ryzen 7 8840HS 2023 - 16GB Memory - 512GB SSD - Artic Grey

Lenovo
Original price $1,065.99 - Original price $1,065.99
Original price
$1,065.99
$1,065.99 - $1,065.99
Current price $1,065.99

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...

View full details
Original price $1,065.99 - Original price $1,065.99
Original price
$1,065.99
$1,065.99 - $1,065.99
Current price $1,065.99

Dell - Inspiron 14 2-in-1 14" Touch Screen Laptop - Intel Core 5 with 8GB Memory - 512GB SSD - Ice Blue

Dell
Original price $713.99 - Original price $713.99
Original price
$713.99
$713.99 - $713.99
Current price $713.99

Powerful PerformanceWherever your day takes you the latest Intel Core processors and up to DDR5 memory brings power to your activities while the sl...

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Original price $713.99 - Original price $713.99
Original price
$713.99
$713.99 - $713.99
Current price $713.99

Lenovo - Chromebook Plus 2-in-1 14" Full HD

Lenovo
Original price $574.99 - Original price $574.99
Original price
$574.99
$574.99 - $574.99
Current price $574.99

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 $574.99 - Original price $574.99
Original price
$574.99
$574.99 - $574.99
Current price $574.99

14-inch MacBook Pro - Apple M5 chip with 10-core CPU and 10-core GPU - 16GB Memory - 512GB SSD - Space Black

Apple
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

SUPERCHARGED BY M5—Along with its faster CPU and unified memory M5 features a more powerful GPU with a Neural Accelerator built into each core deli...

View full details
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

MSI - Prestige 13AI+ - Ukiyoe Edition 13.3"OLED Laptop- Intel Core Ultra 7-258V Intel ARC Graphics with 32GB Memory 1TB SSD - Stellar Gray

MSI
Original price $2,053.99 - Original price $2,053.99
Original price
$2,053.99
$2,053.99 - $2,053.99
Current price $2,053.99

Copilot+ PCsTurn your ideas from text prompts into generated artwork. With Recall search across time to find the content you need. Understand new l...

View full details
Original price $2,053.99 - Original price $2,053.99
Original price
$2,053.99
$2,053.99 - $2,053.99
Current price $2,053.99

14-inch MacBook Pro - Apple M5 chip with 10-core CPU and 10-core GPU - 16GB Memory - 1TB SSD - Space Black

Apple
Original price $1,977.99 - Original price $1,977.99
Original price
$1,977.99
$1,977.99 - $1,977.99
Current price $1,977.99

SUPERCHARGED BY M5—Along with its faster CPU and unified memory M5 features a more powerful GPU with a Neural Accelerator built into each core deli...

View full details
Original price $1,977.99 - Original price $1,977.99
Original price
$1,977.99
$1,977.99 - $1,977.99
Current price $1,977.99

Dell - 15.6" 2K Touchscreen Laptop - Intel Core i5 1334U 2023 - 8GB Memory - 512GB Storage - Carbon Black

Dell
Original price $492.99 - Original price $492.99
Original price
$492.99
$492.99 - $492.99
Current price $492.99

Effortlessly chicAlways efficient. Finish your to-do list in no time with the Dell 15 DC15250 built for everyday computing with Intel processors.De...

View full details
Original price $492.99 - Original price $492.99
Original price
$492.99
$492.99 - $492.99
Current price $492.99

ASUS - ProArt PZ13 13" OLED 3K Detachable Laptop - Copilot+ PC - Qualcomm Snapdragon X Plus - 16GB Memory - 1TB SSD - Nano Black

ASUS
Original price $1,398.99 - Original price $1,398.99
Original price
$1,398.99
$1,398.99 - $1,398.99
Current price $1,398.99

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

View full details
Original price $1,398.99 - Original price $1,398.99
Original price
$1,398.99
$1,398.99 - $1,398.99
Current price $1,398.99

Microsoft - Surface Laptop - Copilot+ PC - 13.8" Touchscreen - Snapdragon X Elite 2024 - 16GB Memory - 512GB Storage (7th Ed) - Black

Microsoft
Original price $1,534.99 - Original price $1,534.99
Original price
$1,534.99
$1,534.99 - $1,534.99
Current price $1,534.99

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...

View full details
Original price $1,534.99 - Original price $1,534.99
Original price
$1,534.99
$1,534.99 - $1,534.99
Current price $1,534.99

Lenovo - Yoga Slim 7x - Copilot+ PC - 14.5" 3K 90Hz OLED Touch-Screen Laptop - Snapdragon X Elite X1E-78-100 2024 - 16GB - 512GB - Cosmic Blue

Lenovo
Original price $1,015.99 - Original price $1,015.99
Original price
$1,015.99
$1,015.99 - $1,015.99
Current price $1,015.99

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...

View full details
Original price $1,015.99 - Original price $1,015.99
Original price
$1,015.99
$1,015.99 - $1,015.99
Current price $1,015.99

Samsung - Galaxy Book4 Edge - Copilot+ PC - 16" AMOLED Touch-Screen Laptop - Snapdragon X Elite 3.4Ghz- 16GB Memory- 512GB Storage - Sapphire Blue

Samsung
Original price $1,641.99 - Original price $1,641.99
Original price
$1,641.99
$1,641.99 - $1,641.99
Current price $1,641.99

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 ...

View full details
Original price $1,641.99 - Original price $1,641.99
Original price
$1,641.99
$1,641.99 - $1,641.99
Current price $1,641.99

Microsoft - Surface Pro - Copilot+ PC - 13 OLED Touchscreen - Snapdragon X Elite - 16GB Memory - 1TB SSD - Device Only (11th Ed) - Black

Microsoft
Original price $1,860.99 - Original price $1,860.99
Original price
$1,860.99
$1,860.99 - $1,860.99
Current price $1,860.99

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...

View full details
Original price $1,860.99 - Original price $1,860.99
Original price
$1,860.99
$1,860.99 - $1,860.99
Current price $1,860.99

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