Rent-to-own repayment calculator

What rate should I put in?

Rent-to-own is quoted as a weekly payment rather than a headline interest rate, so the rate slider is there to model the cost. As a guide for mid-2026:

• Prime, asset-backed equipment finance for established Australian SMEs has generally been quoted in the high single digits to around 11% p.a. through 2026.
• Rent-to-own and low-doc rental for newer operators — a new ABN, limited trading history or no financials — usually sits well above that, commonly in the low-to-high teens once the rental is expressed as an effective rate.
• Used machines, very short terms and small amounts push the effective cost higher again, because the lender's fixed costs are spread over less money.

Start at around 13–15% p.a. if you're a newer operator, and drop it towards 9–11% if you've been trading a couple of years with clean numbers. Rates move, so treat every result here as indicative — not a quote or credit advice.

Reading the result

• Weekly payment — what comes out of the takings each week during the term.
• Total cost incl. deposit — everything you pay across the term, which is the number worth comparing between structures.
• Sales a day to cover it — the practical test. If the site can't clear that comfortably, the site is the problem, not the finance.

Where to next

• Rent-to-own your first machine
• Lease, rental and rent-to-own compared
• Standard repayment calculator
• Finance-readiness checklist