Rent-to-own repayment calculator

Rent-to-own is generally open to Australian businesses with an active ABN, including newer operators. Because the machine itself is the security and the takings help service the rental, lenders lean less on trading history than they do for a standard equipment loan. Most still want to see an ABN, GST registration where applicable, ID, a quote or invoice for the machine, and a realistic plan for where it will be placed. Approval is always subject to the lender's own credit criteria.

Most rent-to-own vending agreements run between 24 and 48 months, with 36 months the most common choice. Shorter terms mean a higher weekly payment but a lower total cost; longer terms lower the weekly payment and raise the total. The calculator lets you model anything from 12 to 60 months so you can see the trade-off in dollars.

Five things move the number: the machine price, any deposit you put in, the term length, the rate used to price the rental, and whether the machine is new or used. Your trading history, credit profile and the strength of the site also change what a lender will quote. Small amounts and short terms carry proportionally higher costs because the lender's fixed setup costs are spread over less money.

That is the intent of a rent-to-own structure, but the final ownership step is set out in your individual agreement — sometimes as a nominal final payment, sometimes as a residual. Always read the ownership clause in the contract before you sign, and ask the lender to confirm in writing what happens at the end of the term.

Often no deposit is required, which is a large part of why operators choose rent-to-own. Putting a deposit in reduces the amount financed, so it lowers both the weekly payment and the total cost of finance. You can model that directly with the deposit slider.

It is indicative only. Rent-to-own is quoted as a weekly rental rather than an interest rate, so the calculator converts a rate you choose into a weekly figure to help you compare structures. The 14% p.a. default reflects the mid-point of the low-doc rent-to-own band as reviewed in August 2026. It is not a quote, an offer, or credit advice.

The calculator works this out from your average profit per sale: it divides the weekly payment by seven, then by your margin per sale. A typical snack or drink sale nets somewhere around $1.00 to $2.00 profit, so a machine on a busy site usually needs a modest number of daily sales to cover a payment. If a site cannot clear that comfortably, the site is the problem rather than the finance.