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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 $878.99 - Original price $878.99
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$878.99
$878.99 - $878.99
Current price $878.99

Microsoft - Surface Pro - Copilot+ PC - 12" -16GB Memory - 256GB UFS - 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 $878.99 - Original price $878.99
Original price
$878.99
$878.99 - $878.99
Current price $878.99
Original price $2,001.99 - Original price $2,001.99
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$2,001.99
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Current price $2,001.99

Alienware - 16X Aurora - 16" 2.5K Gaming Laptop - Intel Core Ultra 9 275HX - 32GB Memory - NVIDIA GeForce RTX 5060 - 1TB Storage - Interstellar Indigo

Alienware

Brilliant displayGo deeper into games with a 16 WQXGA 240Hz display with 500 nits brightness on the AC16251.Intelligent processingIntel Core Ultra ...

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Original price $2,001.99 - Original price $2,001.99
Original price
$2,001.99
$2,001.99 - $2,001.99
Current price $2,001.99
Original price $718.99 - Original price $718.99
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$718.99
$718.99 - $718.99
Current price $718.99

Dell - Plus 2-in-1 14" FHD+ Touch Screen Laptop - AMD Ryzen AI 5 340 Copilot+ PC with 16GB Memory - 512GB SSD - Midnight Blue

Dell

Impress in every modeExperience seamless productivity in any mode with a design that maximizes performance and portability ensuring you stay effici...

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Original price $718.99 - Original price $718.99
Original price
$718.99
$718.99 - $718.99
Current price $718.99
Original price $1,118.99 - Original price $1,118.99
Original price
$1,118.99
$1,118.99 - $1,118.99
Current price $1,118.99

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

Dell

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

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Original price $1,118.99 - Original price $1,118.99
Original price
$1,118.99
$1,118.99 - $1,118.99
Current price $1,118.99
Original price $1,290.99 - Original price $1,290.99
Original price
$1,290.99
$1,290.99 - $1,290.99
Current price $1,290.99

HP - OmniBook X Flip - Copilot+ PC - 16" 3K OLED Touch-Screen Laptop - Intel Core Ultra 9 - 32GB Memory - 2TB SSD - Eclipse Gray

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 $1,290.99 - Original price $1,290.99
Original price
$1,290.99
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Current price $1,290.99
Original price $2,078.99 - Original price $2,078.99
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$2,078.99
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Current price $2,078.99

Lenovo - Yoga Book 9i 2-in-1 14" 2.8K Dual Screen OLED Touchscreen Laptop - Intel Core Ultra 7 Processor - 16GB RAM - 1TB SSD - Tidal Teal

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 $2,078.99 - Original price $2,078.99
Original price
$2,078.99
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Current price $2,078.99
Original price $1,424.99 - Original price $1,424.99
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$1,424.99
$1,424.99 - $1,424.99
Current price $1,424.99

Acer - Predator Helios Neo 16S AI Gaming Laptop - 16" OLED 240Hz - Intel Core Ultra 9 - NVIDIA GeForce RTX 5060 16GB 1TB - Obsidian Black

Acer

Windows 11 HomeWindows 11 was designed with you at the center - to make life easier more creative secure connected and fun It's also faster with ne...

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Original price $1,424.99 - Original price $1,424.99
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$1,424.99
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Current price $1,424.99
Original price $965.99 - Original price $965.99
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$965.99
$965.99 - $965.99
Current price $965.99

Dell - Plus - Copilot+ PC - 16" 2K Touchscreen Laptop - AMD Ryzen AI 7 350 2025 - 32GB Memory - 1TB Storage - Ice Blue

Dell

Intuitive working capabilitiesCreate and edit on an expansive 1610 screen as you tackle complex data sheets or work with multiple windows side by ...

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Original price $965.99 - Original price $965.99
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$965.99
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Current price $965.99
Original price $632.99 - Original price $632.99
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$632.99
$632.99 - $632.99
Current price $632.99

Lenovo - IdeaPad Slim 3x - Copilot+ PC - 15.3" 2k Touchscreen Laptop - Snapdragon X X1-26-100 2025 - 16GB Memory - 256GB SSD - Luna Grey

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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Original price $632.99 - Original price $632.99
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$632.99
$632.99 - $632.99
Current price $632.99
Original price $847.99 - Original price $847.99
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$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 - Violet

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

Lenovo - Yoga 7 2-in-1 - Copilot+ PC - 14" 2K OLED Touchscreen Laptop - AMD Ryzen AI 5 340 2025 - 16GB Memory - 512GB SSD - Seashell

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 $1,065.99 - Original price $1,065.99
Original price
$1,065.99
$1,065.99 - $1,065.99
Current price $1,065.99
Original price $2,766.99 - Original price $2,766.99
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$2,766.99
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Current price $2,766.99

Alienware - Area-51 18" 300Hz QHD+ - Intel Core Ultra 9 275HX with 32GB Memory

Alienware

Unapologetic powerArea-51 was intentionally designed to reach new performance horizons by enabling higher graphics and processor power limits.Game ...

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Original price $2,766.99 - Original price $2,766.99
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$2,766.99
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Current price $2,766.99
Original price $2,178.99 - Original price $2,178.99
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$2,178.99
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Current price $2,178.99

Lenovo - Yoga Pro 9i 16" 2.8K OLED Touchscreen Laptop - Intel Core Ultra 9 2025 - NVIDIA GeForce RTX 5050 - 32GB RAM - 1TB - 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 $2,178.99 - Original price $2,178.99
Original price
$2,178.99
$2,178.99 - $2,178.99
Current price $2,178.99
Original price $2,440.99 - Original price $2,440.99
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$2,440.99
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Current price $2,440.99

Lenovo - Yoga Pro 9i Aura Edition 16" 3.2K OLED Laptop - Intel Core Ultra 9 285H 2025 - NVIDIA GeForce RTX 5060 - 32GB RAM - 1TB - 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 $2,440.99 - Original price $2,440.99
Original price
$2,440.99
$2,440.99 - $2,440.99
Current price $2,440.99
Original price $1,485.99 - Original price $1,485.99
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$1,485.99
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Current price $1,485.99

Lenovo - Legion Pro 5 16" 2.5K OLED Gaming Laptop - AMD Ryzen 7 8745HX 2025 - 32GB RAM - NVIDIA GeForce RTX 5060 - 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 $1,485.99 - Original price $1,485.99
Original price
$1,485.99
$1,485.99 - $1,485.99
Current price $1,485.99
Original price $953.99 - Original price $953.99
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$953.99
$953.99 - $953.99
Current price $953.99

Microsoft - Surface Laptop - Copilot+ PC - 13" Touchscreen - Snapdragon X Plus 2025 - 16GB - 512GB Storage - 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...

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Original price $953.99 - Original price $953.99
Original price
$953.99
$953.99 - $953.99
Current price $953.99
Original price $953.99 - Original price $953.99
Original price
$953.99
$953.99 - $953.99
Current price $953.99

Microsoft - Surface Laptop - Copilot+ PC - 13" Touchscreen - Snapdragon X Plus 2025 - 16GB - 512GB Storage - 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 $953.99 - Original price $953.99
Original price
$953.99
$953.99 - $953.99
Current price $953.99
Original price $1,031.99 - Original price $1,031.99
Original price
$1,031.99
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Current price $1,031.99

Lenovo - LOQ 15.6" Full HD Gaming Laptop - Intel Core i7-13650HX 2023 - 16GB Memory - NVIDIA GeForce RTX 5060 - 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...

View full details
Original price $1,031.99 - Original price $1,031.99
Original price
$1,031.99
$1,031.99 - $1,031.99
Current price $1,031.99
Original price $1,841.99 - Original price $1,841.99
Original price
$1,841.99
$1,841.99 - $1,841.99
Current price $1,841.99

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

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 $1,841.99 - Original price $1,841.99
Original price
$1,841.99
$1,841.99 - $1,841.99
Current price $1,841.99
Original price $953.99 - Original price $953.99
Original price
$953.99
$953.99 - $953.99
Current price $953.99

Microsoft - Surface Laptop - Copilot+ PC - 13" Touchscreen - Snapdragon X Plus 2025 - 16GB - 512GB Storage - Violet

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 $953.99 - Original price $953.99
Original price
$953.99
$953.99 - $953.99
Current price $953.99
Original price $2,230.99 - Original price $2,230.99
Original price
$2,230.99
$2,230.99 - $2,230.99
Current price $2,230.99

Lenovo - Yoga Slim 9i - Copilot+ PC - 14" 4K 120Hz OLED Touchscreen Laptop - Intel Core Ultra 7 258V 2024 - 32GB RAM - 1TB SSD - Tidal Teal

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 $2,230.99 - Original price $2,230.99
Original price
$2,230.99
$2,230.99 - $2,230.99
Current price $2,230.99
Original price $898.99 - Original price $898.99
Original price
$898.99
$898.99 - $898.99
Current price $898.99

Microsoft - Surface Laptop - Copilot+ PC - 13" Touchscreen - Snapdragon X Plus 2025 - 16GB - 256B Storage - 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 $898.99 - Original price $898.99
Original price
$898.99
$898.99 - $898.99
Current price $898.99
Original price $662.99 - Original price $662.99
Original price
$662.99
$662.99 - $662.99
Current price $662.99

LG - gram Book 15" Laptop - Intel Core i5-1334U with 8GB Memory - 512GB SSD - Titan Silver

LG

Heavy on specs. Light on weight.Slim and light the LG gram Book laptop slips into your bag without weighing you down—perfect for commutes coffee sh...

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Original price $662.99 - Original price $662.99
Original price
$662.99
$662.99 - $662.99
Current price $662.99
Original price $1,607.99 - Original price $1,607.99
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$1,607.99
$1,607.99 - $1,607.99
Current price $1,607.99

HP OMEN - 16" 2K 144Hz Gaming Laptop - Intel Core Ultra 7 255H with AI Boost - 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 $1,607.99 - Original price $1,607.99
Original price
$1,607.99
$1,607.99 - $1,607.99
Current price $1,607.99
Original price $1,726.99 - Original price $1,726.99
Original price
$1,726.99
$1,726.99 - $1,726.99
Current price $1,726.99

Lenovo - Legion 5i 15.1" OLED 2K Gaming Laptop - Intel Core i7 14700HX - NVIDIA GeForce RTX 5050 - 16GB Memory - 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 $1,726.99 - Original price $1,726.99
Original price
$1,726.99
$1,726.99 - $1,726.99
Current price $1,726.99
Original price $307.99 - Original price $307.99
Original price
$307.99
$307.99 - $307.99
Current price $307.99

Samsung - Galaxy Chromebook Go - 14" LED Laptop - Intel Celeron- 4GB Memory - 128GB Storage - Silver

Samsung

Slim. Lightweight. Ready to go.Backpack meet your new best friend. With its all-new slim design Galaxy Chromebook Go is our lightest Chromebook yet...

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Original price $307.99 - Original price $307.99
Original price
$307.99
$307.99 - $307.99
Current price $307.99
Original price $1,403.99 - Original price $1,403.99
Original price
$1,403.99
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Current price $1,403.99

GIGABYTE - AERO X16 - Copilot+ PC - 16" 2560×1600 WQXGA AMD Ryzen Al 7 350 - 1TB SSD - 32GB DDR5 RAM GeForce RTX 5060 - Space Gray

GIGABYTE

GIGABYTE GiMATE as Your Smart AI MateIntroducing GiMATE your smart AI Mate that transforms how you interact with technology. GiMATE creates an inte...

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Original price $1,403.99 - Original price $1,403.99
Original price
$1,403.99
$1,403.99 - $1,403.99
Current price $1,403.99
Original price $2,577.99 - Original price $2,577.99
Original price
$2,577.99
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Current price $2,577.99

HP OMEN - MAX 16" WQXGA 240Hz Gaming Laptop - AMD Ryzen AI 9 HX 375 - 32GB Memory - NVIDIA GeForce RTX 5070 Ti - 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 $2,577.99 - Original price $2,577.99
Original price
$2,577.99
$2,577.99 - $2,577.99
Current price $2,577.99
Original price $617.99 - Original price $617.99
Original price
$617.99
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Current price $617.99

HP - 15.6" Full HD Chromebook Plus Laptop with Google AI - Intel Core i3 - 8GB Memory - 128GB UFS - Mineral 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 $617.99 - Original price $617.99
Original price
$617.99
$617.99 - $617.99
Current price $617.99
Original price $461.99 - Original price $461.99
Original price
$461.99
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Current price $461.99

ASUS - CX14 14" FHD Chromebook Plus Laptop with Google AI - Intel Core 3 - 8GB Memory - 128GB eMMC - Misty Grey

ASUS

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 $461.99 - Original price $461.99
Original price
$461.99
$461.99 - $461.99
Current price $461.99
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 - 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 ...

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

HP - 15.6" Full HD Touch-Screen Laptop - Intel Core i7 - 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...

View full details
Original price $777.99 - Original price $777.99
Original price
$777.99
$777.99 - $777.99
Current price $777.99
Original price $1,529.99 - Original price $1,529.99
Original price
$1,529.99
$1,529.99 - $1,529.99
Current price $1,529.99

Samsung - Galaxy Book5 Pro - Copilot+ PC - 14" 3K AMOLED Touch-Screen Laptop - Intel Core Ultra 7 - 16GB Memory - 512GB SSD - Gray

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 $1,529.99 - Original price $1,529.99
Original price
$1,529.99
$1,529.99 - $1,529.99
Current price $1,529.99
Original price $1,866.99 - Original price $1,866.99
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$1,866.99
$1,866.99 - $1,866.99
Current price $1,866.99

Samsung - Galaxy Book5 Pro - Copilot+ PC - 16" 3K AMOLED Touch-Screen Laptop - Intel Core Ultra 7 - 16GB Memory - 1TB SSD - Gray

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 ...

View full details
Original price $1,866.99 - Original price $1,866.99
Original price
$1,866.99
$1,866.99 - $1,866.99
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Original price $1,978.99 - Original price $1,978.99
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$1,978.99
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Current price $1,978.99

Samsung - Galaxy Book5 Pro - Copilot+ PC - 16" 3K AMOLED Touch-Screen Laptop - Intel Core Ultra 7 - 32GB Memory - 1TB SSD - Gray

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 $1,978.99 - Original price $1,978.99
Original price
$1,978.99
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Current price $1,978.99
Original price $363.99 - Original price $363.99
Original price
$363.99
$363.99 - $363.99
Current price $363.99

HP - 14" Chromebook - Intel Celeron - 4GB Memory - 64GB eMMC - Modern Grey

HP

Chrome OSThis easy-to-use operating system was designed to be fast in every possible way while keeping you safe and more secure on the web.Serious ...

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Original price $363.99 - Original price $363.99
Original price
$363.99
$363.99 - $363.99
Current price $363.99

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