The process
How Vending Finance works
Getting finance for your vending machines is straightforward. Here's the process from application to approval.
1. Apply online
Complete our short online application form. It takes about five minutes and there's no obligation. Tell us about your vending business and what finance you need.
2. We assess & match you with a lender
Our finance specialists review your application and match you with the right lender for your situation — whether you're a new start operator or an established vending business.
3. Approval & finance arranged
Once approved, your finance is structured and arranged so you can purchase your vending machines. We handle the paperwork so you can focus on getting vending.
Quick repayment estimator
Pick a machine type, set your budget and term for an indicative weekly repayment range.
Typical for this type: $3,500 – $25,000
Terms available: 24 – 84 months.
Indicative weekly repayment
$59 – $70
- Amount financed
- $12,000
- Term
- 60 months
- Rate band used
- 10.0% – 18.0% p.a.
- Mid-band monthly
- $279
- Mid-band total of payments
- $16,753
Assumptions
- Principal and interest over the full term, paid monthly and shown weekly (÷ 52).
- No balloon or residual, no deposit and no trade-in applied.
- Rate band 10.0% – 18.0% p.a., reviewed August 2026.
- Excludes establishment and account-keeping fees, insurance, GST treatment, freight, installation, stock and early payout costs.
Estimates only — not a quote, offer or credit assistance, and not tax or financial advice. VendingFinance.com.au is a referral marketplace, not a lender or broker: rates, fees, terms and approval are decided by the lender after assessment. Figures may change without notice; confirm all costs in the lender’s written contract before committing.
Want this figure confirmed?
Send your estimate through and we’ll come back with an indicative quote for your setup — takes about 20 seconds.
Understanding your weekly estimate
What does the weekly repayment range actually mean?
It's an indicative range, not a quote. We take the amount you enter, the term you choose and the current lender rate band we see in the market, then show the low and high end of the weekly repayment that band produces. Your actual repayment is set by the lender once they assess your application.
Why is it a range instead of one number?
Rate offers vary with ABN and GST age, trading history, credit file, deposit or trade-in, whether the equipment is new or used, and the security offered. Until a lender assesses you, only a band is honest.
What is included and excluded in the estimate?
The estimate covers principal and interest over the term you select, with no balloon or residual. It excludes establishment and account-keeping fees, insurance, GST treatment, freight, installation, stock and any early payout costs. Add those separately when you budget.
How accurate is it for used or already-sited machines?
Used, refurbished and sited machines are usually priced on shorter terms and firmer rates than brand-new equipment, so treat the higher end of the range as the realistic figure until a lender confirms.
What are the next steps after using the estimator?
Send your details through the estimator or the application form and we'll match you to lenders on our panel who fund vending equipment. There's no obligation and nothing goes to a lender until you ask us to.
Does using the estimator affect my credit score?
No. The estimator is a calculator only — no credit check, no enquiry recorded, and nothing shared with a lender.
What you'll need to apply
To keep things fast, it helps to have a few details ready before you start your application:
- Your contact details (name, email, phone)
- Your business name and how long you've been operating
- The type of vending machines you want to finance
- How much you'd like to borrow
- What the finance is for (new machines, expanding a route, etc.)
How long does approval take?
Many applications are assessed and approved within 24 hours. The exact timeframe depends on the lender, the amount, and how quickly we can get any additional information we need. New start operators are welcome — in many cases no financials are required.
What can I finance?
You can finance:
- New and used vending machines
- A single machine or a fleet of machines
- Vending route expansion and stock
- Refurbishment or upgrades to existing machines
Talk to a specialist
Not sure where to start? Our team understands the vending industry and can talk you through your options with no obligation. Call us on 0412 025 552 during business hours (Mon – Fri 8.30am – 5.00pm AEST).
Ready to get started?
Apply online now — it only takes a few minutes and there's no obligation.
Get my quote
Secure yourRent to Own
Get vending machines on the road now and own them at the end of the term. New and established operators, Australia-wide — no financials required in many cases.
0% down options
Instant approval for qualified fleets