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Equipment Operating Lease

An Operating Lease is simply a rental agreement. You avoid the risks associated with ownership and have no residual value liability.

At the end of your operating lease agreement you may simply return the equipment and you owe nothing further which means no liability in terms of residual values or FBT for the company following the end of the lease.

Only available through businesses, the benefits of an operating lease vs finance lease are that working capital is maintained, rentals will be fully tax deductible if the equipment is used to generate taxable income and there is no resale value risk as the financier will own the asset at the of the operating lease. Fully maintained operating leases can also include ongoing maintenance costs such as equipment servicing and fuel costs all in one regular monthly payment. This can greatly aid the business cash flow as precise equipment running costs are known well in advance.

For this reason, operating leases are generally the simplest path to equipment ownership for many businesses.


What are my repayments?

How much can I borrow?

At today's lowest equipment finance rate of 6.99%,

you will pay approximately ...

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At today's lowest equipment finance rate of 6.99%,

you can borrow approximately ...

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The information which you calculate from this Calculator is intended for use by you as a guide only. See more in our Disclaimer.

It is not an offer and has no legal effect on any contracts entered into by you ‘ the client’. This simulation and the resulting calculations do not constitute a loan application or offer. The figures and formulae used within this calculator may change at any time without notice.Should you apply for any Credit One product, we will make our own calculations and we will not necessarily take your calculations into account. All Interest rates are displayed ‘are guides ONLY’, repayments as a result of this simulation have no legal offering.Credit One accepts no responsibility for any losses arising from any use of or reliance upon any calculations or conclusions reached using the calculator.Information provided on this calculator does not constitute an offer of finance. Any loan request is subject to assessment against normal lending criteria. Fees and charges may apply. This calculation does not take into account any fees, charges or government taxes which may apply to either the calculation of the loan amount or the monthly repayments, such as GST or Luxury Car Tax (where applicable).

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