RENT TO OWN
Rent-to-own is the simple way to get into a car when traditional finance won't have you — or when you don't want it to. Choose your car, pay weekly, and at the end of the term it's yours. No credit checks, no mark-ups, no nasty surprises.
AT A GLANCE
The honest version. Bank finance wins when you qualify cheaply. Rent-to-own wins on speed, simplicity, and access.
| Cash | Bank loan | Rent-to-own | |
|---|---|---|---|
| Credit check | Yes (hard pull) | ||
| Documents needed | Just a licence | Payslips, ID, bank statements, employment proof | Licence + proof of income |
| Time to drive away | Same day | 2–14 days | Same day |
| Cost on top of sticker | Nothing | ~5–7% per year over term | Monthly fee — rate set per showroom |
| Ownership transfers | Day 1 | Day 1 (lender holds lien) | End of term |
| If you change your mind | Stuck with it | Refinance or sell | Hand it back* |
* Conditions apply — see Your responsibilities.
HOW IT WORKS
Anything on the lot. We mark RTO-eligible vehicles with a small badge; most stock under $30k qualifies.
A 5-minute chat covers your employment, income range, and what you're after. No credit check, no paperwork yet.
Set your deposit (from $500), term (1–5 years), and weekly payment using the calculator below. Exact numbers in writing before you commit.
Sign the rental agreement, pay the deposit, and the keys are yours the same day. The car is registered in your name from day one.
Direct debit on the schedule that suits you. Keep them up and the car is yours to drive — interstate, on weekends, for work.
Final payment lands and ownership transfers fully to you. No balloon, no buyout fee, no "one last payment."
THE HONEST ANSWER
We'd rather lose your business than put you in a car you can't afford. If RTO isn't right, we'll tell you.
THE NUMBERS
Pick your showroom, then move the sliders. The monthly fee depends on the location — each showroom sets its own rate. We'll send you exact figures in writing before you sign anything.
1. Choose your showroom
2. Set the numbers
The monthly fee depends on which showroom you're buying from.
YOUR RESPONSIBILITIES
Comprehensive cover is mandatory for the full term. We can suggest insurers we work with, or use your own — your call.
Service the car at recommended intervals. Keep receipts — we may ask. Tyres, brakes, and rego are on you.
Make every payment. Talk to us before you miss one — almost every problem can be worked out. Miss two without telling us and we have the right to repossess.
FREQUENTLY ASKED
Legally, it's a consumer rental agreement that converts to a sale at the end of the term. You're renting the car with a contract to buy it for a peppercorn at the end. That's why there's no credit check and no NCCP-licensed lender involved.
Rent-to-own carries a monthly fee set by each showroom — punch your numbers into the calculator above to see the rate at your chosen location. Over the full term, RTO usually costs more than a bank loan you'd qualify for. The trade-off is no credit check, no hard documents, and same-day approval. If you can get cheap bank finance, take it. If you can't, RTO is the option that exists.
Yes, minimum $500. A larger deposit means lower weekly payments. We'll help work out what makes sense for your budget.
Yes. Settle the remaining balance any time. You'll stop the monthly fees from accruing on the remaining term, but any fees already added to the balance stand.
Call us straight away. We can usually pause payments for a few weeks, restructure the term, or — worst case — take the car back with no further obligation. The earlier you tell us, the more options exist.
Yes, from day one. Rego, fines, tolls — all in your name. The agreement establishes that we own the purchase right until the final payment.
Absolutely. Bring it in for a free valuation. If it's worth more than your deposit, the balance comes off your weekly payments.
No. We check your ID, your address, and that you have a regular income. We don't pull a credit file and the agreement doesn't appear on your credit report.
Licensed motor dealer in Queensland (DL-4734245) and Victoria (LMCT-0012877). The rent-to-own agreement is a standard consumer rental contract under each state's fair-trading legislation.
The fastest way is a 10-minute chat in the showroom or on the phone. Bring your licence and one recent payslip. We'll work out exact terms for the car you want.
