The full picture
How rent to own works for your work car. All of it. Including the parts others hide.
This page is the whole deal: the four steps, how we verify that the car is genuinely for your work, the agreement in plain English, every fee we charge, and exactly what happens when your last payment goes through. Read it all before you commit to anything, with us or anyone else. You've done your homework on the tools you buy, do it on us too.
- ✓ No credit scores, ever
- ✓ Full costs shown before you sign
- ✓ Cancel the application any time, free
Simple on purpose
From "no" to new keys in four steps
Check you qualify (60 seconds)
A few easy questions about the work your vehicle will do and your weekly budget. No credit check, no documents needed for this first step, and you'll see an answer on screen straight away.
We verify your work, then find your car
Real checks, done with respect: your ABN and business activity, proof the car earns for you, and bank statements to confirm the payment fits. Then we match you with a late model car that fits the job. You see the exact car and the exact total cost before you sign.
One weekly payment
Insurance, rego, servicing for the whole term and roadside all included. The same amount every week, so you can actually plan around your work.
The car becomes yours
Make your payments and at the end of the term, ownership transfers to you. It's written into your agreement in plain English, not hidden in fine print.
The agreement, in plain English
What you're actually signing
A rent to own agreement means you rent the car week by week for your work, and every payment counts toward owning it. It's not a bank product, and it's not just hiring a car for the weekend. You pay the same amount each week for a fixed term, usually 2 to 4 years, and when the payments are done the car is yours. That's the whole idea. Because this product is for genuine business use, we verify your work before you sign: a current ABN with real activity behind it, evidence the car earns for you, things like NDIS worker screening and service agreements, invoices or client contracts, and income from bank statements. That verification is why we can say yes without ever looking at a credit score.
Your weekly payment
One fixed amount, the same every week, from your first payment to your last. It covers the car, comprehensive insurance, rego, CTP, scheduled servicing for the whole term, not just the first year, and roadside assist. It never goes up during your term, and there's nothing to add on top. The total you'll pay over the whole agreement is printed on the front page before you sign.
What happens if you miss a payment
Talk to us. That's the whole first step. Quiet weeks happen in every trade, and one missed payment doesn't put your car at risk. Your first late payment fee is $0, and after that it's $15, not the $40 or $50 some companies charge.
If money gets tight for longer, we have a published hardship policy: we can pause or reduce payments while you get back on your feet. And here's something to check with any rent to own company: some fit devices that let them switch your car off remotely if you fall behind. We never do that. No remote disabling, no surprise repossession. A missed payment gets a phone call from a person, because a car that won't start doesn't just strand you, it stops you earning your way back.
Km allowances, explained honestly
Your agreement includes a km allowance. Why does it exist at all? Because we insure and service the car, and one doing 60,000 km a year costs more to keep safe and reliable than one doing 15,000. Working cars do real kilometres, so we set the allowance around your actual work, not a suburban average.
Tell us up front what your week looks like, back to back client visits, a run of appointments across South East Queensland, and we'll quote a price that covers it. That's cheaper and fairer than a surprise charge later. We check the odometer at scheduled services, and if you're trending over we'll talk to you about it early rather than bill you at the end.
The part that matters most
What happens at the end
When your final payment goes through, ownership of the car transfers to you. Not "you may be eligible to purchase". Not "at the company's discretion". Transfers. To you. It's written into your agreement on page one, and the transfer fee is $0.
This is the single most important thing to check with any rent to own company, because some agreements in this market never actually hand over the car, and legally never can. Ask to see where ownership transfer is written in their contract. If they can't show you, walk away. Ours is right there, and we'll happily walk you through it before you apply.
Ready to see where you stand?60 second check, no credit impact, answer on screen straight away.
See if I qualifyPublished, in full
Every fee we charge
This is the complete list. If a fee isn't in this table, we can't charge it. No establishment fees, no admin fees, no "documentation" fees invented at signing.
| Fee | Amount |
|---|---|
Deposit (one off)what does this mean?The only upfront money you pay. It comes off what you owe overall, and a bigger deposit lowers your weekly payment. | from $1,000 |
Weekly paymentwhat does this mean?The same dollar figure every week for your whole term. It never goes up, and there's nothing to add on top. | as quoted, fixed for the term |
Late payment feewhat does this mean?What happens if a payment is late. Your first time is always free, so one tough week doesn't cost you anything extra. | $0 first time, then $15 |
Early exitwhat does this mean?If you need out, hand the car back. You'll pay at most 4 more weeks, no matter how much of your term is left. | return the car; remaining weeks capped at 4 |
Ownership transfer feewhat does this mean?The fee to make the car legally yours at the end. There isn't one. Finish your payments and it's yours, free. | $0 |
| Hidden fees | $0 |
Early exit in plain English: if the work dries up and you need out, you bring the car back and pay at most 4 more weeks, no matter how long is left on your agreement. That's it.
$0 hidden fees. Always.Get your own honest number in 60 seconds.
See if I qualifyA real worked example, down to the dollar
Here's our 2017 Kia Cerato Sport, straight off the work cars page, over its 3.5 year term. This is the entire cost of getting in, earning with it for 3.5 years, and owning it at the end.
And the honest comparison: the same car through a bank, with insurance, rego and servicing paid separately, would cost roughly $29,000 over the same 3.5 years, if a bank will approve you. Rent to own costs more because we take the risk the banks won't. If a bank will back you, take their deal. See the full honest comparison →
| Kia Cerato Sport, 3.5 years | Cost |
|---|---|
| Deposit (one off) | $1,000 |
| Weekly payment × 182 weeks | $195/wk |
| Insurance, rego, CTP, servicing, roadside | Included |
| Hidden fees | $0 |
Example based on guide pricing. Your quote shows your exact numbers before you sign anything.
Your work needs wheels. Why not sort it this week?
Find out in 60 seconds if you qualify. No credit scores, no documents for the first step, no obligation, and an answer on your screen straight away.
See if I qualifyChecking never affects your credit score. Prefer email? Write to us at admin@whynotownit.com.au.
