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FAQ

Rent To Own Finance FAQs

Here are the answers to some of our most often asked questions.

  • What is Rent to Own Finance?

    Rent to Own is a flexible finance solution where you rent an asset for a minimum term with the option to purchase, return, or upgrade later.

  • How does Rent to Own work in Australia?

  • Who can qualify for Rent to Own?

  • What can Rent to Own be used for?

Testimonials

Thousands of happy business owners, here’s what a few of them say

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Please select a loan amount and length of the loan term. For loans over $500,000 please call 1800 334 345.

Loan Amount

$10,000
$500,000

100000

Loan Term

Months
Months

60

Rates From 6.9% • Up To $1m NO Financials • Approved In As Little As 24 hr.

*subject to lenders credit criteria, repayments are estimates only with balloon.

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Why choose image

As a Rent To Own Finance expert, Chevron Finance empowers Australia’s transport, construction, and agriculture sectors with specialist asset finance solutions nationwide. Whether your business is launching a new venture or upgrading vital machinery, our experienced brokers deliver tailored finance for trucks, tractors, and heavy equipment, designed to help you grow efficiently and secure long-term value

Rent To Own Finance

Looking For A Great Deal On Rent To Own Finance?

As Australia’s Rent to Own experts, we provide the country’s best rates on asset finance, professional service, and lightning-fast approvals for the transport, construction, and agriculture sectors. Our low doc and flexible security options make financing for business equipment easier than ever—no more complicated paperwork, just a straightforward, fuss-free solution when you need it most.

To see what your repayments could look like, use our online Rent to Own calculator. This tool makes it easy to estimate repayments, compare options, and choose the best financial solution for your unique business goals. Skip the banks and apply online today to receive instant pre-approval on terms that truly suit your business.

Services

Rent To Own Finance Solutions

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Low Rates and Fees

Enjoy Low Rates And Fees On Leasing, Whether You’re Expanding Your Fleet Or Securing Used Business Assets For Your Next Business Venture.

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Approvals Within 24 Hours

Approvals Often Happen Within 24 Hours, With A Simple Online Application Designed To Make Rent To Own Applications Fast And Fuss-Free.

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No Financials Up To $1M

No Complicated Paperwork: Most Loans Up To $ 1 Million Require No Financials, Making Rent To Own Finance Easily Accessible For Growing Businesses.

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Wide Range Of Lenders

Get Access To An Extensive Panel Of Banks And Specialist Lenders, Ensuring The Best Deal For Both New Purchases And Used Asset Finance Options.

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Easy Application

No Complicated Forms And Unnecessary Paperwork. Simply Apply Online Or Call 1800-334-345.

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Professional Advice

Our Professional Finance Brokers Guide You Throughout The Process, So You’re Supported At Every Stage, From Initial Inquiry To Picking Up Your New Asset.

Why Us

Why Choose Chevron Finance For Rent To Own Finance?

  • Chevron Finance specialises in Rent to Own finance solutions in Australia, understanding the specific needs of diverse industries and the types of equipment and assets essential for business growth. This expertise allows us to deliver personalised solutions that help your operation thrive by matching the right Rent to Own funding product to your specific business model.
  • A broad network of industry connections enables us to finance asset purchases from dealers, auctions, and private sellers. Whether you need new or used assets, our commitment to service and flexibility ensures that every client receives the best options for Rent to Own solutions.
  • For businesses overlooked by major banks or less flexible lenders, Chevron Finance provides quick, obligation-free approvals. Our first answer is always “yes” to supporting your growth. Our experienced team delivers the highest level of client care and will guide you all the way, making the application easy, whether online or over the phone.
  • Choose Chevron Finance for straightforward, expert Rent to Own solutions and benefit from Australia-wide experience, competitive rates, and funding support exactly when your business needs it.

Application is easy – simply apply online or call us on 1800-334-345

Hire Purchase Finance

Eligible Assets for Rent To Own Finance

1. Transport & Logistics

  • Heavy Vehicles: Prime movers, semi-trailers, B-doubles, and rigid trucks.
  • Light Commercials: Delivery vans, refrigerated trucks, utes, and couriers’
  • Specialised Transport: Car carriers, tankers, tilt-trays, and tow trucks.
  • Passenger Transport: Charter buses, school buses, and fleet vehicles.

2. Construction & Earthmoving

  • Earthmoving Equipment: Excavators, mini-diggers, graders, and scrapers.
  • Lifting & Access: Mobile cranes, tower cranes, forklifts, and scissor lifts.
  • Roadwork Machinery: Pavers, rollers, and compactors.
  • Site Equipment: Generators, site sheds, and concrete pumps.

3. Agriculture & Forestry

  • Farming Machinery: Tractors, combine harvesters, seeders, and sprayers.
  • Processing Equipment: Silos, grain dryers, and milling machinery.
  • Livestock & Land: Feeding systems, irrigation pumps, and fencing equipment.
  • Timber: Log loaders, skidders, and wood chippers.

4. Manufacturing & Industrial

  • Workshop Tools: CNC machines, lathes, welding stations, and laser cutters.
  • Warehousing: Conveyor systems, pallet jacks, and automated racking.
  • Food & Beverage: Commercial ovens, bottling lines, and industrial refrigeration.

5. Business & Office Technology

  • IT Infrastructure: Servers, data storage systems, and networking hardware.
  • Office Assets: High-volume printers, copiers, and specialised phone systems.
  • Medical & Professional: Dental chairs, X-ray machines, and gym equipment.

Key Eligibility Requirements for Rent to Own Finance

To secure Rent to Own finance for your business assets, here are the four “must-haves” for a standard application:

  • Valid ABN: You must be a registered Australian business, such as a Sole Trader, Company, or Trust.
  • Primary Business Use: The asset being financed must be used for work purposes at least 50% of the time.
  • Eligible Asset: The equipment must serve as suitable collateral; lenders generally prefer assets with a clear serial number and strong resale value.
  • Flexible Trading History: While standard products often require 6–12 months of operation, Rent to Own is frequently more accessible for “New Ventures” or startups that have been trading for a shorter period

Not sure which finance product is right for you and your business needs?  Speak to one of our expert brokers who will guide you through the whole process, and recommend the right option that will meet your immediate and future business needs.

Loan Process

The Application Process for Rent To Own Finance

Chevron Finance streamlines the Rent To Own Finance process for rural businesses and farms:

  1. Complete the online pre-approval form to check your eligibility for Rent To Own Finance.

  2. Speak with an expert broker for answers to any farm-specific finance questions.

  3. Submit the necessary supporting documents for verification.

  4. Receive approval, typically within 24 hours, for most applications.

  5. Sign the loan or lease documents to finalise your funding.

  6. Collect and deploy your new Rent To Own with confidence, ready for the season ahead.

Finance

Rent To Own Finance Guide

New Start Farms and Agribusinesses

As an experienced Rent To Own Finance specialist, Chevron Finance arranges machinery funding for start-up operations and established producers. New businesses may need a deposit or collateral, but our Rent To Own Finance broker can often minimise upfront cash requirements by evaluating your farm’s background and plans.

Securing the Best Equipment Loan Rate

Interest rates for Rent To Own Finance depend on the age of the machinery, applicant history, and loan structure. The best rates are usually available for equipment less than five years old. Stable businesses with at least two years’ financials often qualify for lower rates, older used machinery is eligible, but may attract higher rates due to risk.

No & Low Doc Hire Purchase Finance

For loans up to $300,000, some applicants can qualify with no financial documents if they have been established for at least two years, own property (or provide a 20% deposit), and maintain a solid credit score. By submitting BAS statements and proof of good ATO conduct, lending can extend up to $1,000,000 with simplified paperwork.

Bad Credit History Options

While bad credit can make financing equipment more challenging, Chevron Finance works with lenders who consider minor credit issues. Rent-to-own arrangements provide a flexible pathway for those needing access to essential farm machinery despite limited or poor credit history.

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